Breaking a bone shouldn't break the bank.

For a one-time payment of $69.99 for the year, Spot can pay your medical bills up to $25,000, with $0 deductible, if you’re suddenly injured on your bike. Your plan works whether you have health insurance or not, and coordinates with any existing health plans you may have. Ride fearlessly with peace of mind—Spot’s got your back!

Spot + VMBA (2).png
header img.png

Photos by Ryan Bent Photography

Value Prop (1).png

How it Works

Who is eligible?

Current season VMBA members.

When are you covered?

​Anytime you’re on a bike. You’re covered for an entire year starting the day you sign up for Spot. 

Where are you covered?

Anywhere in the US and its territories.

What is covered?

Bicycle (including e-bikes up to 750 watts) related activities, including but not limited to: commuting, individual rides, group rides, training, gran fondos, bicycle maintenance and repair, and mountain bike trail building and maintenance.

Heads up! Only racing sponsored by VMBA is covered.

Broken Bone.png



Accident Medical Expense Coverage


Accidental Death or Dismemberment Coverage




Photos by Ryan Bent Photography

Purchase Spot.png

Want $0 deductible and coverage up to $25,000 of medical expenses?

Purchase your ’22/23 VMBA membership today!


Download full FAQ here.

Is Spot health insurance?

How does the $25,000 coverage amount work?

What medical costs are covered under Spot?

How do I file a claim?