While participating worldwide in events sanctioned or sponsored or supervised by USA Cycling for whom premium has been paid. Coverage does not apply to any other races in the US not sponsored or sanctioned by USA Cycling.

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. Emergency room visits must be within 72 hours of 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 an accident while participating in a covered activity.

Heart And Circulatory Malfunction:

We will not pay benefits for a loss due to or expenses incurred for: Coverage is for injury or death that is the result of heart failure while participating in a covered activity. No coverage for pre-existing heart conditions. Occurs within 72 hours after Participation.

OUTPATIENT PHYSICAL THERAPY & SPINAL MANIPULATION EXPENSE

Maximum Benefit 100% of Allowable Expense

DURABLE MEDICAL EQUIPMENT

Maximum Benefit 100% of Allowable Expense

ORTHOPEDIC APPLIANCES

Maximum Benefit 100% of Allowable Expense

Policy Benefits

Accident Medical Expense

$50,000, 70% of Allowable Expense

Accidental Death or Dismemberment

$10,000

Heart And Circulatory Malfunction

$5,000

Deductible

$5,000

Dental Expense (covers injury to sound, natural teeth)

Maximum Benefit 100% of allowable expense

Prescription Drug Expense

Maximum Benefit 100% of allowable expense

Ambulance Benefit (air or ground)

Maximum Benefit 100% of allowable expense

Policy Exclusions

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

Intentionally self-inflicted injury, suicide while sane.
Injury caused by, attributable to, or resulting from the Insured's Intoxication.
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.

4, Operating a motor vehicle under the influence of a ControlledSubstance 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.
Commitment of or an attempt to commit a felony, or engagement in an illegal activity.
An act of declared or undeclared war.
Active duty service in any Armed Forces.
Operating, learning to operate, or serving as a pilot or crew member of any aircraft unless specified in the Insured Risk section of this policy.
Sickness, disease, regardless of how contracted. This does not exclude bacterial infection that is the natural and foreseeable result of an Injury or accidental food poisoning.
Orthodontic braces or appliances.
Any loss for which benefits are paid under state or federal worker's compensation, employers’ liability, or occupational disease law.
A charge which is in excess of the Reasonable Allowable Expense.
Eyeglasses, contact lenses, hearing aids, or related examinations or prescriptions.
Treatment of a hernia.