This season, USA Cycling is offering additional insurance coverage that includes $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 as a secondary coverage, with any existing insurance plans you may have.
Base membership + License Add-on + Additional Insurance Coverage Add-on 
Check here for more details.

Learn more about these membership options and upgrade your membership

Not racing but want ultimate peace of mind in the saddle? The Additional Insurance Coverage Add-on offers $0 deductible on-the-bike injury coverage. This add-on 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, both domestically and internationally. The policy works whether you have health insurance or not, and coordinates, as a secondary coverage, with any existing insurance plans you may have.
Check here for more details.
Base membership + Additional Insurance Coverage Add-on

Standard levels of race license addons include injury coverage while participating in sanctioned USA Cycling events and activities. This policy provides supplemental coverage with a deductible of $5,000.  
Check here for more details. 
Base membership + any race license addon. 

Disclaimer: If you select the wrong year, the time to resolution may take longer.

*If you purchased an international license in 2025 follow the 2026 process