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Breaking a bone shouldn't break the bank.

For a one-time payment of $74.99 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!

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Photos by Ryan Bent Photography

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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.

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Accident Medical Expense Coverage


Accidental Death or Dismemberment Coverage




Photos by Ryan Bent Photography

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Purchase Spot

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

Click here to join today, and then purchase Spot.

Vermont 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.

Click Here to purchase your Spot + VMBA coverage 


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?

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