Got some Q’s? We’ve got some A’s.
Is Spot health insurance?
No, Spot is not health insurance. Spot's plan 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 and sickness are not included in your policy coverage.
Does Spot have a network of doctors?
With Spot, you can see any licensed medical professional for medical treatment! No need to stress about trying to figure out the maze of in and out-of-network hospitals and doctors.
Do I need to show proof of insurance at the time of treatment?
Nope! You do not need to present your Spot policy information, just head to a licensed physician for treatment and when you receive your first bill (check your summary of benefits to ensure you are within the days of initial treatment) – simply log into your Spot account to start a claim.
How does Spot work if I have health insurance?
If you have existing health insurance, Spot helps reduce the burden of medical expenses after you suffer a sudden injury for bills that your primary insurance does not cover. In the US, health insurance deductibles can be between $1,500 to over $5,000. Meaning that if you get hurt, you could potentially pay at least that amount out-of-pocket. Spot can cover your deductible, co-pays, and other out-of-pocket expenses you’re faced with.
Are there exclusions?
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.
Account & Claims
How do I access my Spot account?
You should have received a link to access your account in your Spot confirmation email. If this is your first time logging in, please use this link to set up your account login credentials. Your account is linked to the email provided. If you have already set up your password, you can access your account at this link Here.
How do I file a claim?
Log in to your and follow the steps to start a claim and report your accident right from your account dashboard. As you report your accident, be as thorough and detailed as possible. The less information the claims team has to hunt down, the speedier the process. If you sustained multiple injuries as a result of a single accident, file a claim for each injury under one accident report. As you submit any medical expenses you have incurred as a result of the injury, the claims team will submit these to our carrier partner and begin the claims process. If payment is owed, you will either receive a check for your total out-of-pocket costs associated with your accident or we will pay your provider directly.
Who will payments be made to in the event of my death?
Upon Carrier Partner claim approval, payments for loss of life will be as follows if no beneficiary is listed: (excluding any premiums or payments pending or still owed by insured) 1.) Spouse 2.) children 3.) surviving parents 4.) surviving brothers or sisters or 5.) if no survivors - to the insured’s estate.
What if my beneficiary is a minor or is not competent to give a valid release of payments?
A payment will be made to the legal guardian. If no legal guardian exists, a payment of $1,000, at the carrier's discretion, could be made to any blood relative or relative by connection of marriage who, in the company’s opinion has assumed custody.
Can I name a beneficiary?
Yes! Please reach out to email@example.com. A member of our team will be happy to provide the appropriate form.
What information is required to submit a claim?
We will need you to confirm your identity, provide some basic information about your accident, your medical expenses, and voila—your claim has been filed! If you have any questions about the claims process, email us at firstname.lastname@example.org
Who backs Spot’s claims?
Spot is an Insurance Broker that partners with a number of established Insurance Carriers to deliver products. These Carrier Partners include Mutual of Omaha, AIG and Pan American.
How does the process of filing a claim work? When can I expect to hear a decision about my claim?
The decision process is dependent on the amount of time it takes the claims team to receive all the necessary information needed to process and review your claim. If they are able to validate the claims data with the healthcare providers that attended to you in the hospital or emergency center (or at your licensed physician's office), with your current health insurance provider (if applicable), and with yourself, it will greatly speed up the process. The more relevant information you provide, the quicker the review.