500 West 2nd Street #1900 Austin, Texas 78701
E: SPOT@GETSPOT.COMNEED TO FILE A CLAIM?
NEED TO FILE A CLAIM?
Our injury insurance policy pays up to $10,000 of your covered medical bills with $0 deductible — giving you maximum confidence to put the power down.
Accidental Medical Expense Coverage
Accidental Death or Dismemberment
Heart and Circulatory Benefit
Deductible
All you have to do is log in to your account to report your accident at myaccount.getspot.com so we can verify your policy information. You can do this even if you haven't received treatment or bills yet. Then, once you get your first bill or Explanation of Benefits, you can file a claim.
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.
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.
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.
Annual $0 deductible coverage is no longer available for purchase. If you would like $0 deductible coverage through Spot for sanctioned USA BMX events, you must add Spot’s Weekend Warrior coverage during event registration for each event you'd like coverage for. The cost is $25 per race weekend.