Every time you're in the saddle — you’re covered.

Our injury insurance policy pays up to $25,000 of your covered medical bills with $0 deductible — giving you maximum confidence to gobble up the miles.

Yep, you’re covered anytime you’re pedaling.

File a claim Purchase Coverage

Every day. Every ride.

Coverage Overview

$25,000

Accident Medical Expense Coverage

$5,000

Accidental Death or Dismemberment

$5,000

Heart & Circulatory Coverage

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$0

Deductible

Who is covered?

All citizens or permanent residents of the United States, including individuals holding valid temporary work visas who are enrolled members of the Oregon Bicycle Racing Association’s voluntary annual program.

What is covered?

Bicycle (including e-bikes up to 750 watts) related activities, including but not limited to: commuting, group rides, training, gran fondos, bicycle maintenance and repair, and events sponsored and supervised by Oregon Bicycle RacingAssociation for whom premium has been paid. Coverage does not apply to any other sponsored races-only racing that is sanctioned by OBRA is covered.

When are you covered?

Anytime you’re on a bike. You’re covered until 12/31/2023 from the day you purchase Spot.

Where are you covered?

Anywhere in the US and its territories.

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Learn More

FAQs

See a full list of FAQs

here

Get Spot.

Sign up for an OBRA membership now to get Spot, then get in the saddle.

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We’ve got you covered.

Coverage is underwritten and claims are serviced by Mutual of Omaha insurance company. Oregon Bicycle Racing Association is the policyholder for Accident Insurance for enrolled members of Oregon Bicycle Racing Association’s voluntary annual program participating in bicycle (including e-bikes up to 750 watts) related activities, including but not limited to: commuting, group rides, training, gran fondos, bicycle maintenance and repair, and events sponsored and supervised by Oregon Bicycle Racing Association for whom premium has been paid. Coverage does not apply to any other sponsored races. Coverage is subject to the terms, conditions, and exclusions of the policy.

Spot Insurance Agency, Inc. is a licensed agent/broker offering accidental death and disability insurance policies and travel insurance.
Our National Producer Number (NPN) is 18724703. For additional license information, contact legal@getspot.com
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