http://ozreport.com/forum/viewtopic.php?p=109228#109228

Regarding the Spot insurance, if people follow the process to
describe they will NOT be covered. HG/PG is expressly excluded. There is a way
to get covered, though. You decline GEOS coverage during Spot subscription
renewal but buy the coverage direct from GEOS on their website. It costs mores
than the Spot version but doesn't exclude us. There's also a 10% USHPA discount.
All this is described on a USHPA web page that's a bit buried:

http://www.geosalliance.com/medivac-benefits.html

http://www.ushpa.aero/member_benefits.asp#geos