USA Cycling Race

Spot Injury Insurance

Spot covers up to $50,000 of your in- and out-of-network medical costs per injury.

Purchase Coverage

Yep, you’re covered during sponsored events.

File a claim

Coverage Overview

Coverage Overview


Accident Medical Expense Coverage,

70% of allowable expenses


Accidental Death or Dismemberment


Heart and Circulatory



Who is covered?

Active USA Cycling Race members.

What activities are covered?

USA Cycling sanctioned, sponsored or supervised events. Race members are not covered while commuting, touring, group rides, training and gran fondos. Events not supervised by USA Cycling are not covered.

When are you covered?

While participating in USA Cycling sanctioned, sponsored or supervised events.

Where are you covered?

Anywhere in the United States.

International Race members are covered worldwide.

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?

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We’ve got you covered.

© 2023 Spot Insurance Inc. All rights reserved. USA Cycling is the policyholder for Accident Insurance that covers all licensed members of USA Cycling’s annual program and single-day license holders, (including e-bikes up to 750 watts) participating in USA Cycling sanctioned or sponsored or supervised events for whom premium has been paid. Coverage is subject to the terms conditions and exclusions of the policy. Coverage is underwritten and claims are serviced by Mutual of Omaha Insurance Company and facilitated by Spot Insurance Inc.

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
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