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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, with $0 deductible, if you are suddenly injured on your bike. 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 Ride, Race+, and International Race+ memberships—you’re covered anytime you're on two wheels.

Not a USA Cycling Ride, Race+, or International Race+ 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 Ride and Race+, and International Race+ members.

When are you covered?

​Anytime you’re on a bike.

Where are you covered?

With Ride and Race+ memberships, anywhere in the US and its territories.  With an International Race+ membership, anywhere outside of the US.

What is covered?
RIDE memberships:

Bicycle-related activities (including e-bikes up to 750 watts), including but not limited to: on or off-road commuting, touring, group rides, training, and gran fondos within the US

RACE+ memberships:

All the benefits of a RIDE membership plus USA Cycling sanctioned, sponsored or approved events or activities within the US, including training for cycling events

International RACE+ memberships:

All the benefits of a RIDE membership plus USA Cycling sanctioned, sponsored or approved international events or activities, including training for cycling events while outside of the US

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up to

for out-of-pocket medical expenses per injury


for accidental death or dismemberment



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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Filing a claim

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

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Ride, Race+, and Int'l Race+ Members

Already set up your Spot account?

Not a Ride or Race+ member? Click here to join today.


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?