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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
(C) 2022 Spot Insurance Inc. All rights reserved.
500 W 2nd St. #1900, Austin, TX 78701

See a full list of FAQs here

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

Get in touch with us

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!

Race Membership

Race members are covered while participating in USA Cycling-sanctioned, sponsored, and supervised events in the US and internationally.  This includes USA Cycling-directed training and travel to and from event or training sites as part of the USA Cycling Development and National Teams.  Race members are not covered while commuting, touring, group rides, training, and gran fondos and not supervised by USA Cycling.  Click here to learn more about USA Cycling's Race Membership

One-day Race License

One-day Race License holders are covered while participating in USA Cycling-sanctioned, sponsored, or supervised events in the US and internationally.

Your Policy Includes

$1,000 - $5,000

Coverage Details

Accident Medical Expense Coverage



Heart and Circulatory Coverage


USA Cycling + Spot Insurance

Spot's got you covered.

If a USA Cycling member gets hurt while participating in a covered activity, Spot’s policy can cover up to $25,000 of their out-of-pocket medical bills. Coverage works whether you have health insurance or not, and coordinates with any existing health plan you may have.