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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

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.  

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 have all the benefits of a Ride membership, but are also covered while racing in a USA Cycling sanctioned, sponsored or approved event or activity in the US.  Click here to learn more about USA Cycling's Race+ Membership. 

Ride Membership

Ride members are covered while doing biking activities (even e-bikes, up to 750 watts) like commuting, touring, group rides, training, and gran fondos within the US.  Racing coverage is not included.  Click here to learn more about USA Cycling's Ride Membership.

International Race+ Membership

International Race+ members have all of the coverage of a Race+ member, while also being covered during USA Cycling sanctioned, sponsored or approved international events and activities, including training for cycling events while outside of the US.  Click here to learn more about USA Cycling's Race+ Membership.

Your Policy Includes:



Accident Medical Expense Coverage


Coverage Details

Heart and Circulatory Coverage


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