Spot covers your medical bills anytime you get hurt while training or participating in an event on any sanctioned USA BMX / BMX Canada track —whether you have health insurance or not. A Spot policy is best for those with lousy or high deductible healthcare plans and those without health insurance.
Your Policy Includes:
Accident Medical Expense Coverage
Accidental Death or Dismemberment
Who is covered?
USA BMX / BMX Canada members.
What is covered?
Spot will have your back whenever you are training or participating in an event on any sanctioned USA BMX /BMX Canada track for one year.
When are you covered?
Your injury must occur at a USA BMX / BMX Canada track in order to submit a valid claim.
Where are you covered?
Riding on a sanctioned USA BMX / BMX Canada track.
How Injury Insurance Works
If you get injured
Go to the doctor and get treated
If you have an accident, 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.
Filing a claim
We're here to help
Getting injured sucks, but dealing with your insurance shouldn’t. When you’re injured with Spot, a dedicated team member will be by your side every step of the way. Our goal is to simplify the experience so we can resolve your claim as quickly as possible. Besides, you have more important things to focus on, like recovery!
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USA BMX is the policyholder for Accident Insurance for all registered members of USA BMX enrolled in the voluntary annual buy-up option, participating in activities sponsored or supervised by USA BMX, including injuries sustained during events or while practicing on sanctioned USA BMX racetracks. Coverage is subject to the terms, conditions, and exclusions of the policy. Coverage is underwritten and claims are serviced by Mutual of Omaha Insurance Company and facilitated by Spot.
The first and last name should represent the individual registered as a USA BMX member. If you are signing a minor up for the policy please include their name inside the form.
Important update: We recently increased the annual policy price for USA BMX from $75 to $125. We really hate to raise prices, but it’s the only way to ensure you get the best coverage possible. We’ve also been informed that the old price is still listed on some promotional material, and we’re working as fast as we can to make updates.
See a full list of FAQs here.
What medical costs are covered under Spot?
What if I have to submit a claim?
Is Spot health insurance?
What is excluded in my policy?