Focus on the finish line, with Spot
Spot can pay your medical bills up to $25,000, with $0 deductible, anytime you’re hurt while participating in your race as well race sponsored group transportation. Spot’s policy costs $6.00 per race, works whether you have health insurance or not, and coordinates with any existing insurance plans you may have. Run fast, focus on the finish line, and shatter your personal record with confidence—Spot’s got your back!
Ready to race with peace of mind?
Get Spot race-day coverage for $6.00.
How It Works
Who is covered?
Exclusive to Kaiser Permanente San Francisco Half Marathon®, Big Sur Marathon, Napa Valley Half/Marathon, WineShine Half and Monterey Bay Half Marathon participants.
What is covered?
You’re covered for accidental injuries while participating in sponsored or supervised race activities. Spot does not cover medical conditions (such as illness), pre-existing conditions, or overuse injuries (wear and tear).
When are you covered?
Anytime you’re participating in sponsored or supervised race activities. You’re also covered while traveling to, during, or after such activities as a member of a group in transportation authorized or arranged by the race.
Where are you covered?
Within bounds of the race.
YOUR POLICY INCLUDES
Accident Medical Expense Coverage
Accidental Death or Dismemberment Coverage
If you get injured
GO TO THE DOCTOR AND GET TREATED
If you have an accident, focus on your injury first and get the treatment you need. Go to any licensed physician, hospital, ER, or urgent care clinic that is convenient to you. Spot doesn’t work like typical health insurance; you don't need to provide your Spot policy details when you're seeing a doctor as you might be used to. Make sure to explain to your doctor how the injury happened, so your medical records are accurate. Whatever your physician recommends as treatment should be covered, whether that’s diagnostic tests, scans, surgery, specialist visits, prescriptions, procedures, hospital stays, ambulance or air ambulance rides, physical therapy, and more.
Filing a claim
IT ONLY TAKES MINUTES
Filing a claim with Spot is simple. Make sure to save your bills and receipts. Once you get your first bill, you can file a claim. It’s just a matter of taking pictures of your bill(s) on your phone, explaining how you got injured, and providing a few other details. Expensive surgery? Not sure you can afford your treatment? Don’t worry. Once you file a claim, you will be given a personal claims advocate who will work with you to determine the best plan for your medical and financial situation, whether that means reimbursing you or paying the facility and providers directly.
Is Spot health insurance?
How does the $25,000 coverage amount work?
What medical costs are covered under Spot?
How do I file a claim?