Blister Products & Services

Our BLISTER+ injury insurance is a custom policy that we created with SPOT Insurance to protect the members of our BLISTER community, and it is underwritten by Mutual of Omaha.

In addition to receiving all of the benefits of our basic Blister membership, BLISTER+ members get up to $25,000 of injury insurance per injury — with $0 deductible — for all the activities listed here, anywhere in the world. And citizens of all countries are eligible.

So say you’re a BLISTER+ member and you hurt yourself biking to work. You’ll be covered for up to $25,000 for that injury, with $0 deductible. And if you then hurt yourself skiing or fishing or rock climbing or snowboarding or snowmobiling or running or kayaking, etc, the next day, you’d be covered for up to $25,000 for that injury, too, with $0 deductible.

You just submit a claim here and you’ll have the SPOT team and our BLISTER team working with you to make sure that you’re taken care of.

The BLISTER+ plan covers costs from your doctor-recommended treatment plan up to $25,000 for any covered physical injury as long as it is carried out by a licensed medical professional. Your treatment plan could include diagnostic scans, hospital stays, ER visits, surgeries, and emergency transportation. Basically, anything your licensed medical professional recommends that you need to recover from your accident. Unfortunately, your spiritual healer’s plan is on you.

BLISTER+ members are covered any time they are:

Skiing (inbounds and backcountry skiing)
Snowboarding
Splitboarding
Snowmobiling
Mountain Biking
Road Biking (includes commuting)
Gravel Biking
Trail Running
Road Running
Hiking
Camping
Rock Climbing (not free solo climbing)
Bouldering (indoors and outdoors)
Alpine Rock, Snow, or Glacier Climbing
Canyoneering
Fishing
Kayaking
Rafting

No, BLISTER+ is not health insurance. The BLISTER+ plan provides coverage for reimbursement of medical bills incurred for injuries stemming from accidents. As much as we would like to help you with your stomach flu (drink plenty of fluids!), general illness and sickness are not included in your policy coverage.

General illness, pre-existing conditions, overuse injuries (wear and tear), and chronic sickness are not included in your policy coverage. BLISTER+ only covers accidental injuries that happen while you’re participating in the covered activities.

Yes, air and ground transportation are covered, up to $25,000.

Coverage is void if the insured is doing anything illegal – e.g., trespassing.

Here is the Policy Transport language:

Ambulance Service (Air) means the service provided:
• by means of a fixed or roto-winged aircraft equipped with life support and medical apparatus; and
• for the primary purpose of transporting an Insured to or from the Hospital where treatment is given.

Ambulance Service (Surface) means the service provided:
• by a commercial or municipal ground ambulance service; and
• for transporting an Insured to or from the Hospital where treatment is given.

Once you’ve purchased your BLISTER+ membership, you will receive an email from Spot (our injury insurance partner) with instructions on how to log into your Spot Insurance account, which is what you will use if / when you need to file a claim.

All you have to do is log in to your Spot account to report your accident at getspot.com/login-selection so they can verify your BLISTER+ policy information (Spot will have sent you an activation email following your purchase of the BLISTER+ membership). You can do this even if you haven’t received treatment or bills yet. Then, once you get your first bill or Explanation of Benefits, you can file a claim.