Insurance Information

2021 Accident Policy


USA Cycling provides supplemental accident medical coverage to its members participating in events. The requirements for coverage depend on the type of membership you have - more information can be found below. 

The benefit provisions are as follows:

Medical Expense (maximum) $25,000*
Accidental Death and Dismemberment $1,000

*Maximum benefit of $500 for Dental, Orthopedic, Physical Therapy and Transportation. This accident medical policy does not stack with multiple memberships. 

Our policy provides coverage as follows:

1. It is supplemental coverage.
2. The accident medical policy’s deductible will be the same as the member’s primary medical policy’s deductible with a minimum deductible of $1,000 and a maximum deductible of $5,000.  If the member does not have primary medical insurance, then the deductible is $5,000.
3.  Once the primary carrier has paid their portion of the medical expenses, the USA Cycling carrier will pay 70% of the Reasonable and Customary remaining expenses ABOVE the deductible, up to a limit of $25,000. 

Policy exclusions:

Member Accident Insurance does not apply to loss caused by or resulting from:

1.  An Insured Person who is in, entering or exiting any aircraft owned, operated or leased by USA Cycling;
2.  An Insured Person acting or training as a pilot or crew member;
3.  Emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, or bodily malfunctions;
4. Suicide, attempted suicide, or self-inflicted injuries; or
5. Declared or undeclared war.

Requirements for Coverage for Licensed Members (one-day/racing/coaches/officials/mechanics):

The licensed member accident policy provides excess coverage for USA Cycling licensed members for dates specified on the permit application when they:

1. Participate in a USA Cycling permitted event;
2. Participate in training programs of USA Cycling under the direct supervision of the USA Cycling staff;
3. Notify a race official about their accident when it happens, even if they do not think they are badly injured;
4. Receive medical care and treatment within 30 days of the covered accident; and
5. File an accident claim form with the insurance company within 30 days. More instructions on how to file a claim can be found here
* Claimants are advised to NOT pay for services up front without speaking with USA Cycling/Fairly Group representatives!