Insurance Information

Accident Policy

MEMBER 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!