Injury insurance. From stitches to surgery and x-rays to physical therapy, get your medical bills paid for each time you're injured.

Spot Insurance Inc. is a licensed agent/broker offering accidental death and disability insurance policies that are issued by Pan American Life Insurance Group, Mutual of Omaha Insurance Company and Liberty Mutual Insurance. Our National Producer Number (NPN) is 18724703. For additional license information, contact spot@getspot.com.

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12-month Explorer, Weekender, Weekender Family, Local, Local Family, All In, and All In Family memberships all include the Accident Insurance benefit at no additional cost when membership is paid in-full. (a $300 value)

For Family memberships

Qualifying Family memberships include one(1) Accident Insurance policyholder per membership. The primary member can enroll additional family members for the significantly-discounted annual fee (a $300 value for $60/year per person).

Yes. Members with 1-month, 6-month and 12-month memberships on a payment plan can opt-in for the Accident Insurance benefit at the significantly-discounted annual rate negotiated for Gravity Haus members. (a $300 value for $120/year per person) Active Gravity Haus members in good standing are eligbile to file SPOT claims.

• $0 Deductible: Out-of-pocket medical costs up to $25,000 are covered; includes deductibles, co-insurance, etc.
• $25,000 in Accident-related Medical Expenses: Members are covered anytime they participate in a listed activity
• $10,000 Accidental Death & Dismemberment benefit
• Physical Therapy: included in the $25,000

Coverage is effective for a term of 12-months from the date of enrollment. Gravity Haus members must maintain an active membership in good standing to be eligbile to file SPOT claims. Benefits cover accidents anywhere, at any time while participating in any of the qualifying activities.

Activities include but not limited to: hiking, camping, skiing (alpine and backcountry), snowboarding, splitboarding, snowshoeing, nordic/XC skiing, rock climbing (excludes free solo climbing), bouldering (indoors or outdoors), mountain biking, road cycling, kayaking, rafting, trail running, road running, jogging, canyoneering, alpine rock, snow and glacier climbing, high altitude mountaineering, paddle boarding, surfing, swimming, soccer, tennis, lacrosse.

12-months of coverage is included with qualifying Gravity Haus subscriptions at no additional cost to the member. 1-month, 6-month and 12-month members on a payment plan can add the insurance benefit for an additional annual fee.

Yes. Member must maintain an active Gravity haus membership in good standing in order to file a claim with SPOT. If your membership expires or becomes delinquent during the 12-month term, the member is ineligible to file an insurance claim.

Gravity Haus will provide the name and contact information associated with your Gravity Haus membership to our partner, Spot Insurance, upon completion of your Gravity Haus enrollment. Your coverage is effective on Day 1. Spot will send you a link to “setup an account”. Any time prior to filing a claim with Spot you must set up an account. Member must maintain an active Gravity Haus membership in good standing to be eligible to file claims with SPOT.

Your Accident Insurance benefit and/or death + dismemberment benefit is effective on day 1, even if you don’t set up your Spot account until you become injured and need to file a claim. Simply set up the account and then file a claim. You’re covered.

Some mountain resorts and season pass products have also partnered with Spot to provide accident insurance. It is important for you to review the coverage and terms of those policies. In most cases, other accident insurance policies only cover your activities at the resort while utilizing your season pass.

This Gravity Haus member benefit covers accidents, accidental death + dismemberment as a result of any of the qualifying activities (see below), at any time (not limited to any Gravity Haus activities).

Important Note: The Accident Insurance benefit offered through Gravity Haus is not season pass insurance, nor travel insurance.

It is difficult to put a dollar amount to this policy in comparison with other policies due to the fact that it is truly not a policy you can find anywhere else. This policy has a $0 deductible, which you would be hard pressed to find, even with Spot's few competitors.

If one sought out an accident policy through Aflac, Buddy, etc, those policies would have what is called a “schedule of benefits.” This means they have an allocated dollar amount they will pay for specific injuries. For example, if you broke your arm, these policies would have, say, a $500 benefit for the injury. However the injury, surgery, or bill could be $2,000. The Gravity Haus benefit covers that entire cost and anything else associated with the injury up to $25,000 (per injury), not just an allocated dollar amount.

Also, the GH benefit will have a far superior claims process than any others. Members can submit a digital claim in less than a minute by taking a photo of their bills or receipts and uploading them to their Spot account.

It is safe to say this is at a minimum a $300 value. Members won't find an identical product anywhere else.

The benefit is included in the price of the qualifying Gravity Haus membership. You can opt-out with no change to the price of the Gravity Haus membership by simply skipping the final step to “setup an account” with Spot Insurance.

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 after you suffer a sudden injury.

Most travel insurance packages cover, well, travel. For example: trip cancellation, trip interruption, trip delay, lost or delayed baggage, medical evacuation etc. These policies typically don’t cover injuries, accidents or life. Spot does.

Yes! Once you have your policy, you’re covered across all 50 states and worldwide. Unfortunately, we can’t have your back if you’re entering war-torn countries.

Go to www.getspot.com/login/activate and enter the email address you used to enroll with Gravity Haus to activate your account. From within your SPOT account, active Gravity Haus members in good standing only need to hit the “File a Claim” button to get started.

Other questions on getting started? Contact Spot at claims@getspot.com any time