League of American Bicyclists

While you're in the saddle — you’re covered.

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.

Purchase Coverage

Yep, you’re covered when 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?

All citizens or permanent residents of the United States, including individuals holding valid temporary work visas, who are active LAB members that elect Spot coverage.

What is covered?

Accidental injuries that occur while you’re on a bike (including e-bikes up to 750 watts*).

Covered activities include training, touring, commuting, gran fondos and on- or off-roading.

When are you covered?

​While you’re on a bike, not competing in a race.

You’re covered for an entire year starting the day you sign up for Spot.

Where are you covered?

Anywhere in the United States and its territories.

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?

We’ve got you covered.

League of American Bicyclists 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 Agency Inc. is a licensed agent/broker offering accidental death and dismemberment insurance policies and travel insurance.
Our National Producer Number (NPN) is 18724703. For additional license information, contact legal@getspot.com
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