365 Insurance | Cycling Injury Coverage

RIDE SMART, GET PROTECTED WITH 365

With $0 deductible injury coverage and benefits up to $50,000, 365 helps protect you during everyday cycling activities like commuting, training rides, and sanctioned races. Whether you're riding around the neighborhood or training for your next big event, 365 Insurance Coverage is designed to keep you moving forward with confidence.

Even with primary insurance, cycling accidents can easily set you back thousands of dollars. 365 is a secondary medical insurance policy that covers the gap between the first dollar and your deductible, saving you hundreds, if not thousands, of dollars in out-of-pocket expenses. Don't have primary insurance? No problem. 365 covers all medical expenses up to $50,000.

Get full coverage for $365 a year, only $1 a day for peace-of-mind protection while you ride.

A USA Cycling base membership is required before purchasing the 365 add-on. A base membership is $40* when opted into auto-renewal.

Why Riders Choose 365

$0 Deductible

All medical expenses are covered, starting with the first dollar. Applies with or without primary insurance.

Up to $50,000 in Accident Medical Coverage

Receive up to $50,000 in coverage per incident.

Protection While Riding & Racing

Your coverage applies to many common cycling activities like commuting, group rides, and sanctioned USA Cycling races.

Works With or Without Primary Insurance

365 is a secondary insurance policy but also provides coverage to those without primary medical insurance.

JUST $1 A DAY

Enjoy 365 days of coverage for only $365 per year.

Commonly Asked Questions

Who has access to 365 Insurance Coverage?

365 is built for riders who want extra protection. It's designed for:

Everyday cyclists
Commuters
Racers who want additional protection

365 is built for riders who want extra protection. It's designed for:

Everyday cyclists
Commuters
Racers who want additional protection

How does the coverage work?

This page highlights the basics of USA Cycling's 365 Insurance Coverage. For full coverage details, eligibility, and claim information: click here.

Are e-bikes included?

Yes, if you ride an e-bike with a motor under 750 watts, you’re covered while riding it.

What's covered by the policy?

A covered incident is an accident that happens while you are doing bicycle-related activities only (for example: riding, training, commuting, or participating in a ride). If the accident happens during a race, the policy only covers it if the race is officially sanctioned by USA Cycling. If you race in an unsanctioned event, the 365 does not apply and you will need to work with the event organizer directly.

Am I covered internationally?

Yes, with 365, you are covered while riding internationally.

When it comes to coverage while racing, you MUST hold a valid UCI License.

Yes, with 365, you are covered while riding internationally.

When it comes to coverage while racing, you MUST hold a valid UCI License.

What is Secondary Insurance?

If you have primary insurance, 365 is secondary to your primary policy and helps cover the gap between the first dollar incurred and your primary deductible and/or out-of-pocket maximum.

If you don’t have primary insurance, 365 covers up to $50,000 in applicable medical expenses.

If you have primary insurance, 365 is secondary to your primary policy and helps cover the gap between the first dollar incurred and your primary deductible and/or out-of-pocket maximum.

If you don’t have primary insurance, 365 covers up to $50,000 in applicable medical expenses.

Rider Testimonials

Madison Pitts

Professional Gravity Racer

"You never expect a routine training ride to end in the ICU, especially on a trail you know well. After a serious crash last summer left me with multiple injuries, I quickly realized how valuable 365 coverage truly is. The medical costs from immediate treatment in multiple hospitals, overnight stays in the ICU, transportation between hospitals, to follow up care, added up fast! My USA Cycling 365 Insurance covered it all! That peace of mind made a huge difference, allowing me to focus entirely on my recovery and return to racing!"

Ted King

Former World Tour Pro & Professional Gravel Racer

"It’s not as though we’re playing competitive checkers. There are obvious, inherent dangers to cycling. With 365 on my side, it’s worked very well for me providing peace of mind as an additional layer of insurance. The USA Cycling 365 add-on was an obvious choice.”

#RoadNats

365 Insurance Coverage

$0-deductible on-the-bike injury coverage for just $365/year.

Get Covered