Who is covered?

All registered members of National Collegiate Rugby including coaches, officials and referees enrolled in Spot Pro.

When are you covered?

While participating in any NCR-sanctioned activity.

Where are you covered?

Anywhere in the US! You’re covered as long as you’re participating in NCR-sanctioned activities.

What is covered?

Accidental injuries while participating in NCR-sanctioned activities for the season.

Your Policy Includes:




Accident Medical Expense Coverage

Accidental Death or Dismemberment


Coverage Details

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*All registered members of National Collegiate Rugby—including coaches, officials, and referees have basic coverage for accidental injuries while participating in NCR-sanctioned activities. See more information about your basic coverage here.

Spot Insurance Inc. is a licensed agent/broker offering accidental death and disability insurance policies and travel insurance.
Our National Producer Number (NPN) is 18724703. For additional license information, contact legal@getspot.com
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See a full list of FAQs here

National Collegiate Rugby + Spot Insurance

Upgrade to Spot Pro.

NCR members can upgrade* to Spot Pro for just $15 for an entire season! You get up to $25,000 in injury coverage with $0 deductible. Spot’s policy works whether you have health insurance or not, and with any existing insurance plans you may have. Keep scoring goals—Spot’s got your back!

How Injury Insurance Works

If you get injured

Go to the doctor and get treated

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

We're here to help

Getting injured sucks, but dealing with your insurance shouldn’t. When you’re injured with Spot, a dedicated team member will be by your side every step of the way. Our goal is to simplify the experience so we can resolve your claim as quickly as possible. Besides, you have more important things to focus on, like recovery!

Purchase Spot Pro for the season

Not a National Collegiate Rugby member? Click here to join today, and then purchase Spot.


Coverage is underwritten and claims are serviced by Mutual of Omaha Insurance Company. National Collegiate Rugby Organization is the policyholder for Accident Insurance that covers all registered members of National Collegiate Rugby including coaches, officials and referees for whom premium has been paid Coverage is subject to the terms, conditions, and exclusions of the policy.

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