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Ride Fearlessly, with Spot!

Spot Injury Insurance are your safest riding partners! Spot’s On-the-Bike Coverage pays your medical expenses 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!


OBRA members get Spot for just $79 for a year.


Ready to ride fearlessly with Spot?

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All about Spot

Who is covered?

Exclusive to OBRA 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 OBRA is covered.




Accident Medical Expense Coverage


Accidental Death or Dismemberment Coverage




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Purchase Spot

For annual coverage you must be a current OBRA member. 

Not an OBRA member?

Click here to join today, and then purchase Spot.

OBRA is the policyholder. 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 and does not apply to any other sponsored races. Digital and customer experience is serviced by Spot.


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What medical costs are covered under Spot?

Is Spot health insurance?

How does the $25,000 coverage amount work?

When am I covered?