Our injury insurance policy pays up to $25,000 of your covered medical bills with $0 deductible — giving you maximum confidence to gobble up the miles.
Accident Medical Expense Coverage
Accidental Death or Dismemberment
Heart & Circulatory Coverage
IMBA members who elect the Spot coverage.
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.
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.
Anywhere in the world.
Our dedicated claims team will guide you every step of the way.
You must be a current IMBA member to qualify for annual coverage.
Not an IMBA member? Click here to join today, and then purchase Spot.
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. Digital and customer experience is serviced by Spot.