DRAG

Drop in — you’re covered.

Our injury insurance policy pays up to $25,000 of your covered medical bills with $0 deductible — so you can get back to shredding faster than ever.

PHOTO CREDITS:

Coverage Overview

$25,000

Accidental Medical Expense Coverage

$25,000

Accidental Death or Dismemberment

$25,000

Heart and Circulatory Benefit

$500

Deductible

Every Day. Every Run.

Where are you covered?
Anywhere in the world.
When are you covered?
Anytime you’re out adventuring.
What activities are covered?
Hiking, camping, skiing, (including backcountry), Snowboarding, Splitboarding, Rock Climbing (not free solo climbing) Bouldering (indoors and outdoors) Mountain Biking, Road and Gravel Cycling, Trail Running, Canyoneering, Alpine Rock, Snow or Glacier Climbing, Road Running, Fishing, Kayaking, Rafting and Snowmobiling.
Who is covered?
All enrolled premium members of Blister's voluntary annual program.
Where do I find more details?
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Compare your costs with Spot

Do you have primary health insurance?

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Compare your costs with Spot

For everyone, regardless of health insurance status
Medical Costs
With Spot
Spot covers up to $25,000

Covers any doctor prescribed treatment including physical therapy, surgery and hospital stays.
Without Spot
You pay up to 100%
For those with primary health insurance
Medical Costs
With Spot
Spot covers up to $25,000

Covers any doctor prescribed treatment including physical therapy, surgery and hospital stays
Without Spot
You pay up to 100%
Primary Health Insurance Deductibles
With Spot
Spot covers your primary health insurance deductible.
Without Spot
Coverage kicks in after you pay your deductible
Coinsurance
With Spot
Spot covers your out-of-pocket costs
Without Spot
You pay a percentage or fixed fee per service
Networks
With Spot
You choose your doctor or service provider
Without Spot
Choose a network provider, or pay full cost of service

FAQS

How do I file a claim?

To file a claim, please click the “File a Claim” link at the top of this page and fill out the form.

After you submit the form, we’ll send you an email within 2 business days with your account login details. Once logged in, you can complete your claim digitally and upload any supporting documents.

Is Spot health insurance?

No, Spot is not health insurance. Spot's plan provides coverage for reimbursement of medical bills incurred for injuries stemming from accidents. As much as we’d like to help you with your stomach flu (drink plenty of fluids!), that's just not our thing. General illness and sickness are not included in your policy coverage.

What is excluded in my policy?

General illness, pre-existing conditions, overuse injuries (wear and tear), and chronic sickness are not included in your policy coverage. Spot only covers accidental injuries that happen while you're participating in the covered activities.

What medical costs are covered under Spot?

Spot's plan covers costs from your doctor-recommended treatment plan up to $25,000 for any covered physical injury as long as it is carried out by a licensed medical professional. Your treatment plan could include diagnostic scans, hospital stays, ER visits, surgeries, and emergency transportation. Basically, anything your licensed medical professional recommends that you need to recover from your accident. Unfortunately, your spiritual healer’s plan is on you.