Who is covered?

Exclusive to IMBA members.

When are you covered?

You’re protected for an entire year starting the day you sign up.

Where are you covered?

You're covered  24/7 anywhere in the US and its territories.

What is covered?

You’re covered for any accidental injury anytime you’re on a bike—including commuting, group rides, training, gran fondos, bicycle maintenance and repair and mountain bike trail building and maintenance. Racing is only covered at events sponsored by IMBA.

Your Policy Includes:




Accident Medical Expense Coverage

Accidental Death or Dismemberment


*If IMBA event has accident coverage for all registered participants, Spot policy is secondary. There is a $10,250 deductible that needs to be met by the available event coverage first.

Coverage Details


Not a IMBA Member?

Join today and then purchase Spot.

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Spot Insurance Inc. is a licensed agent/broker offering accidental death and disability insurance policies and travel insurance.
Our National Producer Number (NPN) is 18724703. For additional license information, contact legal@getspot.com
(C) 2022 Spot Insurance Inc. All rights reserved.
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See a full list of FAQs here

IMBA + Spot Insurance

Spot's got you covered.

Spot’s On-the-Bike Coverage pays your medical bills up to $25,000, with $0 deductible, each time you’re hurt while on your bike. Ride, race, or train with peace of mind—Spot’s got your back! IMBA members get Spot for just $74.99 for an entire year.

How Injury Insurance Works

If you get injured

Go to the doctor and get treated

If you have an accident, focus on your injury first and get the treatment you need. Go to any licensed physician, hospital, ER, or urgent care clinic that is convenient to you. Whatever your physician recommends as treatment should be covered, whether that’s diagnostic tests, scans, surgery, specialist visits, prescriptions, procedures, hospital stays, ambulance or air ambulance rides, physical therapy, and more.

Filing a Claim

We're here to help

Getting injured sucks, but dealing with your insurance shouldn’t. When you’re injured with Spot, a dedicated team member will be by your side every step of the way. Our goal is to simplify the experience so we can resolve your claim as quickly as possible. Besides, you have more important things to focus on, like recovery!

Purchase Spot

For Annual coverage you must be a current IMBA member. Not an IMBA member?

Click here to join today, and then purchase Spot.

International Mountain Bicycling Association is the policyholder and coverage is underwritten and claims are serviced by Mutual of Omaha Insurance Group. Coverage is subject to the terms conditions and exclusions of the policy. Digital and customer experience is serviced by Spot.

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