This plan reimburses your non-refundable race registration cost for listed unforeseen covered events that keep you from racing, including but not limited to:

• You or a family member's death, sickness or injury.
• Inclement weather that causes a delay, closure of public roadways by local government authorities, or cancellation by a common carrier for at least twenty-four (24) consecutive hours on a common carrier you are scheduled to travel on, which prevents you from reaching your scheduled destination or scheduled trip departure city. This does not include the race itself being cancelled, postponed, or altered by the event organizer due to weather, fire danger, poor air quality, or similar conditions.
• Your primary place of residence or scheduled destination accommodation is made uninhabitable due to a natural disaster, vandalism, or burglary.
• Your current employer requires you to transfer 250 miles or more, which requires your primary residence to be relocated.
• Revocation of your previously granted military leave or re-assignment. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required.
• You are involuntarily terminated or laid off from your employment. You must have been an active employee with the same employer for at least one (1) continuous year. This provision is not applicable to temporary or seasonal employment, independent contractors, freelancers, or self-employed persons.
  

*Additional terms and conditions apply to all covered reasons listed above. Covered reasons for Trip Cancellation and Trip Interruption are similar, but not identical. Please review your plan document for full details and covered reasons.

The cost of Spot Refund Insurance is calculated as a percentage of your race registration cost. If your registration cost is less than $100, your plan cost is a flat 9%.

Up to 100% of your non-refundable race registration cost.

• Coverage is available for registrants who opted into coverage at checkout on the UltraSignup platform and paid full premium.
• Coverage is not available for people 81 years or older at time of purchase.

Coverage begins at 12:01 a.m. the day after the date the required plan cost is received. This coverage automatically ends once your race begins or at the time you cancel your registration.

You must report your race registration cancellation to Spot within 20 days or as soon as reasonably possible after the qualifying event.

You may cancel your plan and receive a full refund of the cost paid by giving Spot written notice within 10 days from the purchase date of your plan, provided there has been no incurred loss, you have not filed a claim under the plan, and your race has not started. No refunds are available after the 10-day free look period.