International Mountain Bicycling Association

We Miss You!

We're working on updated coverage for all IMBA members. Check back soon!

Purchase Coverage

Yep, you’re covered anytime you’re pedaling.

File a claim

Every day. Every ride.

Coverage Overview


Accident Medical Expense Coverage


Accidental Death or Dismemberment


Heart & Circulatory Coverage



Who is covered?

IMBA members who elect the Spot coverage.

What is covered?

Accidental injuries that occur while you’re on a bike.

Covered activities include training, touring, commuting, gran fondos, on or off-roading, bicycle maintenance and repair, and mountain bike trail building and maintenance. Heads up — Coverage does not apply to any USA Cycling sponsored races.

When are you covered?

​While you’re on a bike, including e-bikes up to 750 watts.* You’re covered for an entire year starting the day you sign up for Spot.

Where are you covered?

Anywhere in the world.

Learn More


See a full list of FAQs
What medical costs are covered under Spot?
What if I have to submit a claim?
Is Spot health insurance?
What is excluded in my policy?

Get Spot

Sign up for an IMBA membership to get Spot, then get riding.

We’ve got you covered.

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.

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) 2023 Spot Insurance Inc. All rights reserved.
500 W 2nd St. #1900, Austin, TX 78701