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Breaking a bone shouldn't break the bank.

Spot covers up to $25,000 of out-of-pocket medical expenses per injury.  Spot’s policy works whether you have health insurance or not, and coordinates with any existing insurance plans you may have.

Spot injury insurance is included in all USA Cycling Race memberships—you’re covered anytime you're racing with USA Cycling.

Not a USA Cycling member?

Click here to join today, and ride fearlessly with peace of mind and financial security—Spot’s got your back!

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How it Works

Who is covered?

USA Cycling Race members, One-Day Race members, officials, and volunteers for whom premium has been paid

When are you covered?

During activities sponsored or supervised by USA Cycling events.

Where are you covered?


What is covered?
Race membership:

- Participation in USA Cycling-sanctioned, sponsored, or supervised events in the US and worldwide
- USA Cycling-directed training and travel to and from event or training sites as part of the USA Cycling Development and National Teams

One-Day Race membership:

- Participation in USA Cycling-sanctioned, sponsored, or supervised events in the US and worldwide

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Spot’s policy is supplemental to your primary health insurance


Spot’s deductible for this policy will be the same as your primary medical policy’s deductible, with a minimum deductible of $1,000 and a maximum deductible of $5,000. If you do not have primary medical insurance, your deductible will be $5,000.

Once your primary insurance carrier has paid their portion of your medical expenses, USA Cycling’s carrier will pay 70% of the Reasonable and Customary remaining expenses ABOVE the deductible, up to $25,000.

If you get hurt

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.

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Report your injury 

Before you can file a claim with Spot, you’ll need to submit a Spot Injury Report so we can verify your eligibility.  Once verified, you'll receive a confirmation email from our team with access to your Spot Insurance account so you can file your claim.  

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Filing a claim

Filing a claim with Spot is simple, really. It’s just a matter of submitting 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 claims advocate who will work with you to determine the best plan for your medical and financial situation.

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What medical costs are covered under Spot?

Is Spot health insurance?

How does the $25,000 coverage amount work?

How do I file a claim?