SPOT'S GOT YOU COVERED

CYCLING INSURANCE FOR ALL MEMBERS

Each level of membership at USA Cycling includes Spot’s on-the-bike injury insurance. Policies range from event-specific coverage to $0 deductible plans that offer 24/7 on-the-the bike coverage .

$0-DEDUCTIBLE RIDING AND RACING INSURANCE

New for 2022 season, all Plus-levels of membership include Spot’s $0 deductible on-the-bike injury insurance—you’re covered anytime you’re on two wheels. This policy works whether you have health insurance or not, and coordinates with any existing insurance plans you may have.
Memberships Included in this plan: Junior+, Race+, International+, Pro+

Learn more about these membership options and upgrade your membership

View detailed policy information and chat with Spot

$0-DEDUCTIBLE RIDING INSURANCE

Not racing but want ultimate peace of mind in the saddle? The new Ride membership costs just $69/year and includes Spot’s $0 deductible on-the-bike injury coverage. This membership is designed for any cycling enthusiast—whether members of local cycling clubs, gran fondo riders, or adventure cyclists—and offers peace of mind and financial protection anytime you’re on two wheels. The policy works whether you have health insurance or not, and coordinates with any existing insurance plans you may have.

Changed this up a bit. The original sentence structure was confusing because it sounded like Spot's policy was $69 on top of the membership price.
Memberships Included in this plan: Ride

Learn more about the Ride membership

View detailed policy information

EVENT-SPECIFIC RACING INSURANCE

Standard levels of membership and one-day racing licenses include injury coverage while participating in sanctioned USA Cycling events and activities. This policy provides supplemental coverage with a deductible that matches 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, then the deductible is $5,000.

Memberships Included in this plan: Junior, Race, International, Pro

View detailed policy information

FILE A CLAIM

Access your account, review your policy, and file a claim on Spot’s website. If you are accessing your account for the first time, you will need to activate your account by clicking the link below—log in using the email address affiliated with your USA Cycling membership.

Activate your account

Log in to an existing account

ADDITIONAL RESOURCES

Did you get injured in 2021? Click here to access 2021 policy information.

Need help? Contact Spot here.