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Injury Insurance for National Collegiate Rugby

How It Works

As a registered NCR member, you now have Spot coverage. Spot's injury insurance covers you while you're participating in any NCR sanctioned event. For injuries big and small, Spot’s got your back.

Get Spot

If you get injured while playing rugby, your Spot policy can cover your medical bills. You are covered at the base level with your NCR membership–but if you would like to increase your coverage benefits, you now have the option to do so!

Spot Pro Policy Benefits:

Benefit Amount: $25,000 per Injury (from $10,000 with Spot Basic Policy)
Deductible: $0 per Injury (from $5,000 with Spot Basic Policy)

Get Hurt

If you get hurt, seek treatment with any licensed medical professional convenient to you. Your Spot Pro policy covers you for doctor-recommended medical costs up to $25,000—each time you are injured. 

Get Paid

Submit your claim through the Spot website. You'll be assigned a claims representative that will be dedicated to your case and work to either get you reimbursed as quickly as possible or pay your providers directly.

Purchase Spot Pro for $12.50

Greater coverage limit with Spot Pro now available for NCR members.

Coverage is underwritten and claims are serviced by Mutual of Omaha Insurance Company. National Collegiate Rugby Organization is the policy holder for Accident Insurance that covers registered members of National Collegiate Rugby including coaches, officials and referees while participating in NCR sanctioned events. Coverage is subject to the terms, conditions, and exclusions of the policy.

Note that pre-existing conditions or overuse injuries (wear and tear) are not covered, review our list of exclusions here.

Personal Details

Payment

Spot Pro policy through August 1, 2021


INCLUDES: 

Accidental Medical Expense Coverage: $25,000

Deductible: $0

Accidental Death & Dismemberment: $10,000

 

TOTAL: 

$12.50

One time payment for coverage through August 1, 2021.

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Spot's FAQs

What medical costs are covered under Spot?

Spot's Pro plan 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.

Is Spot health insurance?

Spot's Pro plan 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 medical professional. Your treatment plan could include diagnostic scans, hospital stays, ER visits, surgeries, and emergency transportation. Basically, anything a licensed medical professional recommends that you need to recover from your accident. Unfortunately, your spiritual healer’s plan is on you.

How does the $25,000 coverage amount work?

Each accident you have is eligible for up to $25,000 in coverage with the Spot Pro plan. This means if you need stitches and an MRI after taking a ball to the head one day, you’re covered for up to $25,000 for that. If you break your wrist in a tackle 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.

How does this coverage differ from what is included with my NCR membership?

The basic coverage included with your membership has a maximum benefit amount of $10,000 per injury with a $5,000 deductible per injury. Spot Pro has no deductible and covers you up to $25,000 per injury... for $12.50 we'd say that's pretty great!

HOW DO I FILE A CLAIM?

Log into your Spot account and follow the steps to file a claim right from your account dashboard. As you fill out the claims form, be as thorough and detailed as possible. The less information the claims team has to hunt down, the speedier the process. As soon as you’ve submitted all of your bills, explanation of benefits (if applicable), and an incident report from NCR (if you have one), the claims team will verify your accident is covered. Once verified, you will either receive a check for your total out-of-pocket costs associated with your accident or we will pay your provider directly.

Alternatively, you can show your Spot digital ID card (available to view in your Spot account) to your provider and have them submit your bills directly to us. This will start a claim on your behalf and you will be notified to log into your Spot account and provide any additional information (if needed), finalize and submit your claim.

Are there exclusions?

A few! In addition to general illness and sickness, pre-existing conditions and overuse injuries (wear and tear) are not included in your policy coverage. The full list of exclusions is linked below.

Review our full list of exclusions here.