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Ride Fearlessly, with Spot!

NEMBA and Spot Injury Insurance are your safest riding partners! Spot’s On-the-Bike Coverage pays your medical bills up to $25,000, with $0 deductible, each time you’re hurt while on your bike. Ride, race, or train with peace of mind—Spot’s got your back!


NEMBA members get Spot for just $69.99 for an entire year.


Ready to ride fearlessly with Spot?

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All about Spot

Who's Covered?

Exclusive to NEMBA members.

What’s in it For You?
  • True annual coverage. You’re protected for an entire year starting the day you sign up.

  • You’re covered 24/7 anywhere in the US and its territories.

  • Ride and race without worry. You’re covered for any accidental injury anytime you’re on a bike—including training, touring, commuting, gran fondos, on- or off-roading, and e-bikes up to 750 watts*. Only racing that is sanctioned by NEMBA is covered.

  • Build trails with peace of mind. You’re protected anytime you’re building and maintaining trails.

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Accident Medical Expense Coverage


Accidental Death or Dismemberment Coverage




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Purchase Spot

For Annual coverage you must be a current NEMBA member. Not a NEMBA member?

Click here to join today, and then purchase Spot.

New England Mountain Bike Association is the policyholder and coverage is underwritten and claims are serviced by Mutual of Omaha Insurance Group. Coverage is subject to the terms conditions and exclusions of the policy. Digital and customer experience is serviced by Spot.

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When am I covered?

Is Spot health insurance?

How does the $25,000 coverage amount work?

What medical costs are covered under Spot?