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 CoverageOur 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 CoverageAccident Medical Expense Coverage
Accidental Death or Dismemberment
Heart & Circulatory Coverage
Deductible
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.
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.
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.
Anywhere in the United States and its territories.