Spot covers up to $25,000 of medical expenses if you are suddenly injured on the bike in the US, and US territories. Be it training, touring, commuting, e-biking, etc., on or off-road, you are covered with absolutely no deductible, per accident. Your plan works whether you have health insurance or not, and with any existing insurance plans you may have. Heads up! The only racing included in this coverage is that sanctioned by USA Cycling.
If you have a crash, 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 with Spot is simple, really. It’s just a matter of taking pictures of your bill(s), explaining how you got injured, and providing a few other details. Once you file a claim, you will be given a personal claims representative who will work with you to determine the best plan for your medical and financial situation.
USA Cycling is the policyholder for Accident Insurance that covers all enrolled members of USA Cycling’s voluntary program participating in bicycle (including e-bikes up to 750 watts) related activities, including but not limited to: commuting, group rides, training, gran fondos as well as participating in activities sponsored or supervised by USA Cycling for whom premium has been paid. Coverage is in excess of any existing insurance policy, including those offered by USA Cycling. Coverage does not apply to other sponsored races.
Coverage is subject to the terms conditions and exclusions of the policy. Coverage is underwritten and claims are serviced by Mutual of Omaha Insurance Company. Digital and customer experience is serviced by Spot.
Not an USA Cycling member? Click here to join today, and then purchase Spot.
Spot policy for 1 year
Accidental Medical Expense
For accidental death or
Congratulations! You're covered. Check your email for a confirmation from Spot and for details on how to log into your Spot account.
Your new Spot coverage is made up of 2 policies– you will see 2 charges on your credit card statement totaling $40 and receive 2 confirmation emails from Spot. Your Spot account will have both policies.
Spot covers costs from your doctor-recommended treatment plan up to $25,000 for any covered physical injury as long as its carried out by a licensed physician. Your treatment plan could include diagnostic scans, hospital stays, ER visits, surgeries, and emergency transportation. Basically, anything your licensed physician recommends that you need to recover from your accident. Unfortunately, your spiritual healer’s plan is on you.
No, Spot is not health insurance. Spot provides coverage for reimbursement of medical bills incurred for injuries stemming from accidents. As much as we’d like to help you with your stomach flu (drink plenty of fluids!), that's just not our thing. General illness, pre-existing conditions, and chronic sickness are not included in your policy coverage.
Each accident you have is eligible for reimbursement up to $25,000. This means if you need stitches and an MRI after a biking accident one day, you’re covered for up to $25,000 for that. If you have another crash the next week, you’re covered for up to $25,000 for that as well. We really hope that never happens to you but we’ve got your back regardless, even if it’s broken.
We got your back whenever you're on a bike for one year from your purchase date, anywhere in the US– the only time your coverage does not apply when riding, is when participating in a race that is not sanctioned by USA Cycling.