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Breaking a bone shouldn't break the bank.
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FAQs
Is Spot health insurance?
No, Spot is not health insurance. Spot covers your medical bills up to $25,000 for injuries stemming from accidents. As much as we’d like to help you with your stomach flu (drink plenty of fluids!), that's just not our thing. General illness, pre-existing conditions, and chronic sickness are not included in your policy coverage.
How does the $25,000 coverage amount work?
Spot covers your medical bills up to $25,000 each time you're injured. This means if you need stitches and an MRI after a ski accident one day, you’re covered for up to $25,000 for that. If you fall off a chairlift the next week, you’re covered for up to $25,000 for that as well. We really hope that never happens to you but we’ve got your back regardless, even if it’s broken.
What medical costs are covered under Spot?
Spot covers costs from your doctor-recommended treatment plan up to $25,000 for any covered physical injury as long as its carried out by a licensed physician. Your treatment plan could include diagnostic scans, hospital stays, ER visits, surgeries, and emergency transportation. Basically, anything your licensed physician recommends that you need to recover from your accident. Unfortunately, your spiritual healer’s plan is on you.
