INJURY
INSURANCE
FOR RUNNERS

Focus on the finish line, with Spot

Spot can pay your medical bills up to $25,000, with $0 deductible, each time you’re hurt while participating in the Napa Valley Marathon. 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.

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How It Works

Who is covered?

Exclusive to Napa Valley Marathon participants.

What is covered?

You’re covered for accidental injuries while participating in activities sponsored or supervised by Napa Valley Marathon. 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 activities sponsored or supervised by Napa Valley Marathon. You’re also covered while traveling to, during, or after such activities as a member of a group in transportation authorized or arranged by Napa Valley Marathon.

Where are you covered?

Within bounds of the Napa Valley Marathon.

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YOUR POLICY INCLUDES

 
$25,000

Accident Medical Expense Coverage

$10,000

Accidental Death or Dismemberment Coverage

 

$0

Deductible

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.

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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.

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Purchase Spot Race-day
Coverage Here

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FAQs

Download full FAQ here.

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?