For $80 per year, Spot provides injury insurance to cover you while you're on the mountain–whether you're working or not. Spot has no deductible and works whether you have health insurance or not and with any existing insurance plans you may have. For injuries big and small, Spot’s got your back.
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. 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.
Coverage is for PSIA-AASI Level 1 (or greater), certified members of Professional Ski Instructors of America & American Association of Snowboard Instructors, participating in ski and snowboard related activities in the U.S. Note that pre-existing conditions or overuse injuries (wear and tear) are not covered. Review the policy benefit summary here.
Coverage is underwritten and claims are serviced by Mutual of Omaha Insurance Company. Professional Ski Instructors of America & American Association of Snowboard Instructors is the policyholder for accident insurance that covers certified members. Coverage is subject to the terms, conditions, and exclusions of the policy.
Spot policy for 1 year
Accidental Medical Expense
Accidental Death or
Congratulations! You're covered. Check your email for a confirmation from Spot and for details on how to log into your Spot account.
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.
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.
Each accident you have is eligible for reimbursement up to $25,000. 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.
No, you're covered whenever skiing, snowboarding, or mountain biking (backcountry included!) anywhere in the U.S. whether you are professionally instructing or not.