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
LAB members who 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.
Our dedicated claims team will guide you every step of the way.
You must be a current League of American Bicyclists member to qualify for annual coverage.
Not a League of American Bicyclists member? Click here to join today, and then purchase Spot.
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. Digital and customer experience is serviced by Spot.