You can now add Spot to your RaceReady registration. Spot covers you up to $20,000 if you're injured while racing. Your plan works whether you have health insurance or not. Have insurance? We'll work with your existing insurance to make sure you're made whole. You can rest assured knowing Spot has your back for your next race.
If you get injured during your event, focus on your injury first and get the treatment you need. Go to any licensed medical professional, hospital, ER, or urgent care clinic that is convenient to you. 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 with Spot is simple, really. It’s just a matter of taking pictures of your bill(s), explaining how you got injured, and providing a few other details. Once you file a claim, you will be given a personal claims representative who will work with you to determine the best plan for your medical and financial situation.
Spot is stoked to partner with RaceReady to offer members the protection you need for your next race. Simply add Spot to your registration and get ready to go all out on the track knowing that Spot's got your back.
Spot covers costs from your doctor-recommended treatment plan up to $20,000 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.
No, Spot is not health insurance. Spot provides coverage for reimbursement of medical bills incurred 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. When you go to the doctor for treatment, use your health insurance (if you have it) and settle your bill. Then, file a claim with Spot by providing us with pertinent information (like documentation from the doctor) and we’ll get to work on reimbursing you.
In the US, the average individual health insurance deductible is over $1,500. Many people have deductibles well over $5,000. Meaning that if you get hurt, you could potentially pay at least that amount out-of-pocket. Spot helps bridge the gap so that you aren’t drowning in medical expenses if you suffer an injury while racing.
A few! General illness, pre-existing conditions, overuse injuries (wear and tear) and chronic sickness are not included in your policy coverage. Spot only covers accidental injuries that happen while you're participating in the sanctioned event that you purchased Spot coverage for.
Spot's got your back while you are participating in a sanctioned race for which you have purchased Spot coverage for.
