Injury Insurance
Take injuries from a risk to a value add.
Embracing the risk of injury is part of your business, but on-site injuries not only diminish customer satisfaction—they also pose legal and financial liabilities.
Offer Spot Injury Insurance alongside your products and give your customers the confidence to pursue a more adventurous life.
Enhance your booking flow with smarter refunds.
Custom-fit programs
Flexible refund benefit design and dynamic pricing to complement your policies and booking flow.
Offer at checkout
Integrates directly into your point of sale, giving customers more choice at checkout.
Self-service refund portal
Customers manage cancellations and receive refunds through an easy and intuitive online experience.
BENEFITS FOR YOUR BUSINESS
What you get
New revenue stream
By offering a value-add product to your customers.
Reduced liability risk and mitigated GL costs
Through fewer injury claims against your business.
Team of experts
A team of experts to help you create a program that is easy for you to run and delights your customers.
BENEFITS FOR YOUR CUSTOMERS
What they get
Coverage for qualifying out-of-pocket medical costs
Including deductibles, copays and coinsurance.
Choice of medical provider
In- or out-of-network.
100% digital platform
That makes it easy to file a claim, upload paperwork and chat online with a customer service representative.
Flexible Refunds Without the Friction
Refund Guarantee isn’t traditional insurance—it’s a new way to offer flexible refunds that puts the customer in control of their booking without putting your revenue at risk.
| Refund Guarantee | Traditional Refund Insurance | Standard company refund policies | |
|---|---|---|---|
| Refunds paid by | Spot | Insurance company | You, directly from your own revenue |
| Revenue Impact | You keep the full booking value | You keep the full booking value | You lose the revenue from the canceled booking |
| Refund decision maker | Your customer—they can cancel for any reason | The insurer—based on policy restrictions | You—based on your internal policies |
| Refund Process | Automated based on time of request | Proof required subject to adjudication and policy restrictions | Depends on your systems and staffing |
| Refund Timeline | As quick as instantly | Several weeks | Depends on your systems and staffing |
Hear from happy customers
“I'm a firm believer that every outdoor athlete should have Spot. I’ve used Spot for a few injuries now over the years (broken ribs, torn labrum, some more ribs…), and it’s been both a financial lifesaver and such a breeze working with their team through each one. Knowing that Spot has my back if things go wrong allows me to keep pursuing what I love.”
“I already have amazing health insurance from my day job, but the thing I love about Spot is that they help cover my out-of-pocket costs like deductibles and out-of-network fees (which i still had coming out of this despite my amazing health insurance)”
“Spot had my back every step of the way, and I didn’t have to worry about every financial transaction I made related to my injury.”
For businesses that offer experiences that include risk of injury.
Sell it alongside
Access passes, season passes, memberships, event tickets and more.
Works great for
Skiing, snowboarding, mountain biking, marathons, contact sports, triathlons and many more.
And Experience Providers Across Industries
Hospitality
Events
Mountain Resorts & Ski
Recreation Venues
Sports Leagues
Transportation & Mobility
See Spot Injury Insurance in the wild
Ikon Pass
USA Cycling
