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

$5,000

Accidental Death or Dismemberment

$5,000

Heart and Circulatory Benefit

$0

Deductible

Every Day. Every Run.

Where are you covered?
at Red Hawk Ridge.
When are you covered?
While mountain biking at Red Hawk Ridge.
What activities are covered?
Mountain biking at Red Hawk Ridge.
Who is covered?
All pass holders at Red Hawk Ridge.
Where do I find more details?
Red Hawk Ridge Bike Park
Red Hawk Ridge Bike Park
Red Hawk Ridge Bike Park
Red Hawk Ridge Bike Park
Red Hawk Ridge Bike Park
Red Hawk Ridge Bike Park
Red Hawk Ridge Bike Park
Red Hawk Ridge Bike Park
Red Hawk Ridge Bike Park
Red Hawk Ridge Bike Park
Red Hawk Ridge Bike Park
Red Hawk Ridge Bike Park

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.

Is there anything I need to do to activate my coverage?

No, you do not need to activate Spot Injury Insurance separately—it is included with all Red Hawk pass purchases. You’ll be covered while your pass is active for use at Red Hawk Ridge.

If you are injured while mountain biking at Red Hawk Ridge, simply click the “File a Claim” link at the top of this page and complete the form. After you submit it, we’ll email your account login details within 2 business days. Once logged in, you can complete your claim digitally and upload any supporting documents.