What’s Injury Insurance?

Spot provides affordable protection against sudden injuries big and small. Lousy or no health insurance? You’re still covered! Spot even coordinates with any existing health plan to cover out-of-pocket medical expenses for covered injuries.

Whether skiing, snowboarding, mountain biking, hiking or rock climbing, do it boldly with peace of mind and financial protection with Spot. Heads up! Only ski racing activities through are covered.

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All about Spot

Who is covered?

Enrolled members of the Outside+ voluntary annual program.

What is covered?

Physician-recommended treatment for any accidental injury while on the mountain, including diagnostic tests, scans, surgery, prescriptions, ambulance or air ambulance rides, and more (see our Policy Benefits Summary for more info).

When are you covered?

You’re protected for covered injuries anytime you're skiing, snowboarding, mountain biking, mountain climbing, road and gravel cycling and hiking anywhere in the U.S. Only ski racing activities through are covered.

Coverage is true annual, so you’re protected for an entire year starting the day you sign up.

Where are you covered?

Anywhere in the US.

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Accident Medical Expense Coverage


Accidental Death or Dismemberment Coverage




If you get injured


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


Ever met an insurance company eager to pay out claims? Now you have. We know that breaking a bone can break the bank, and that’s not right. Filing a claim with Spot is simple, really. 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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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?