Cascade Bicycle Club

Eligibility

All citizens or permanent residents of the United States, including individuals holding valid temporary work visas, who are members of Cascade Bicycle Club's voluntary annual program.

Covered Activities

Bicycle (including e-bikes up to 750 watts) related activities, including but not limited to: commuting, group rides, training, gran fondos, bicycle maintenance and repair, as well as events sponsored and supervised by Cascade Bicycle Club. Coverage does not apply to any other sponsored races.

Policy Details

Covered Accident

A sudden unforeseeable event, independent of disease, sickness and mental of bodily infirmity, that results in a covered injury or covered loss and occurs while you are insured under the policy while participating in covered activities.

First Covered Expense

Must be incurred within 30 days from the date of the accident.

Treatment Time frame for Accident Medical Expense

Benefits paid up to 52 weeks from the date of the accident.

First notice of Loss

Spot must be notified within 90 days after a loss occurs or begins, or as soon as reasonably possible. Use the link below to contact our customer care team, email spot@getspot.com or simply start a claim from your Spot account.

Accidental Death & Dismemberment (AD&D):

Coverage is for death or severe dismemberment as the result of a covered accident resulting from a covered activity.

Heart And Circulatory Malfunction:

Coverage is for heart failure that occurs within 72 hours of participating in a covered activity . No coverage exists for pre-existing heart conditions.

Policy Benefits

Accident Medical Expense

$25,000

Accidental Death or Dismemberment

$5,000

Heart And Circulatory Malfunction

$10,000

Deductible

$0

Policy Exclusions

We will not pay benefits for a loss due to or expenses incurred for:

1. Intentionally self-inflicted injury, suicide while sane.
2. Voluntary self-administration of any drug or chemical substance not prescribed by or not taken according to the directions of the Insured's Physician.
3. Treatment for alcoholism or drug addiction.
4. Injury caused by, attributable to, or resulting from the Insured's Intoxication.
5. Injury caused by, attributable to, or resulting from the Insured’s use of a Controlled Substance unless administered on the advice of a Physician and taking the prescribed dosage.
6. Operating a motor vehicle under the influence of a Controlled Substance unless administered on the advice of a Physician and taking the prescribed dosage.
   Operating a motor vehicle while having a blood alcohol level that equals or exceeds the legal limit for operating a motor vehicle in the state or jurisdiction where the Injury occurred.
7. Commitment of or an attempt to commit a felony, or engagement in an illegal activity.