What does the racer insurance policy cover?

Spartan Race Inc. purchases accident medical insurance coverage from a licensed third-party insurance carrier, which provides limited coverage to participants for medical bills arising from an injury incurred while participating at an event operated by Spartan Race, Inc. (all US events. For events operated by Spartan Race, Inc. outside of the U.S., only certain events may apply).

Please note that the accident medical insurance coverage does not include Disability Insurance or Loss of Income coverage. All claimants are required to complete certain forms and provide copies of all medical records to the insurance carrier. This policy is secondary to a claimant's primary medical insurance policy. Please note there is a $500 deductible under the policy.

NOTWITHSTANDING THE FOREGOING, PARTICIPATION IN ANY SPARTAN RACE IS AT THE PARTICIPANT'S SOLE RISK. For more information regarding the specific coverage provided, please contact us at [e-mail].

For information on how to submit an insurance claim, please see this link:  I need to submit an Insurance Claim.