What is SPOT Refund Insurance & Refund Guarantee?
Refund Guarantee and Refund Insurance are optional add-ons offered during registration that protects your race entry if your plans change. The protection you're offered depends on how far out from race day you register:
Registering 1–30 days before your event: Refund Guarantee — cancel for any reason, get 80% of your registration cost back, up until 24 hours before your event.
Registering 31–60 days before your event: Refund Guarantee — cancel for any reason, get 80% of your registration cost back, up until 72 hours before your event.
Registering 61+ days before your event: Refund Insurance — cancel for specific covered reasons (such as injury, illness, or other qualifying events), get up to 100% of your registration cost back, up until your event starts.
It's powered by Spot. Whichever protection you're offered will be clearly shown at checkout before you buy, and you can look up your specific coverage terms anytime afterward at myaccount.getspot.com.
Already registered and purchased SPOT coverage before August 5, 2026? Your original coverage terms apply exactly as purchased — this update only affects new registrations going forward.
Why choose Refund Guarantee or Refund Insurance?
🛡 Peace of mind — register early without worrying about the “what ifs”
🔄 Flexible protection — the right coverage for how far out you're registering
⏱ Simple process — refunds are handled directly by Spot
🏃 Runner-first flexibility — keep your options open while committing to a race
FAQs
What's the difference between Refund Guarantee and Refund Insurance?
Refund Guarantee (1–60 days before your event) lets you cancel for any reason. Refund Insurance (61+ days before your event) requires a specific covered reason — like injury, illness, or another qualifying life event — but pays back a higher percentage and stays active all the way up to race start. Which one you're offered depends on when you register, not which one you pick.
Please see your Spot coverage confirmation email for complete terms and conditions.
When can I request a refund?
Refund Guarantee: any time after registering, up until 24 hours (if you registered 1–30 days out) or 72 hours (if you registered 31–60 days out) before your event.
Refund Insurance: any time after registering, up until your event starts — as long as your reason for cancelling is a covered one.
How do I request a refund?
Refund requests are submitted directly through Spot. Spot handles refund requests, eligibility checks, customer support, and payouts. You don't need to contact the Race Director or UltraSignup.
How will I know if I’m covered?
Your confirmation email and receipt will clearly show your Spot package if you purchased coverage.
Can I add Refund Guarantee or Refund Insurance after I’ve already registered?
No. Refund Guarantee or Refund Insurance must be purchased at the time of registration and can’t be added later.
How much does coverage cost?
Pricing is calculated for your specific registration based on factors like how far out from race day you're registering, and will be clearly shown before you complete your purchase at checkout. You can review your exact coverage cost anytime afterward at myaccount.getspot.com.
Is there a maximum registration amount covered?
Yes. Refund Guarantee and Refund Insurance are not available for registrations over $5,000.
Does Refund Guarantee or Refund Insurance work for virtual events?
No. Virtual events are not eligible.
Does Refund Guarantee or Refund Insurance cover event cancellation?
No. This is not event insurance - rather, it protects your individual ability to participate. See your Refund Guarantee or Refund Insurance confirmation email for complete terms and conditions.
What happens if I receive a refund directly from the Race Director?
If you receive a refund directly from the Race Director or event organizer, your Refund Guarantee coverage is void and Spot will not issue an additional refund.
What happens if my registration is cancelled in UltraSignup?
If you, the race organizer, or UltraSignup removes your registration, your Refund Guarantee or Refund Insurance coverage is void and Spot will not issue an additional refund. Withdrawals must be processed through SPOT to receive your refund.
What if the event date changes?
If an event date is updated, your coverage automatically adjusts to the new date.
The only exception is if you already requested a refund through Spot before the date change.
What if I transfer my registration to another runner?
Coverage is not transferable.
If you transfer your registration, the coverage will be voided.
How does Refund Guarantee or Refund Insurance work with lotteries?
You can add coverage when entering a lottery. If you're selected and your payment is processed, your coverage begins automatically — based on how far out from the event that payment is processed.
What if I change race distances?
Downgrades: Coverage remains active, but you won’t receive a refund for the price difference.
Upgrades: Coverage remains active and continues through your cancellation deadline.
Is this required?
No. It's optional - race organizers decide whether to make it available on their event, and you decide whether it's right for you.
Resources
SPOT Terms and Conditions - Refund Guarantee
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