USA Cycling Race+

Every time 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.

Yep, you’re covered anytime you're pedaling.

Every day. Every ride.

Coverage Overview


Accident Medical Expense Coverage


Accidental Death or Dismemberment


Heart and Circulatory



Who is covered?

Active USA Cycling Race+ members.

What activities are covered?

Bicycle-related activities, including but not limited to: commuting, group rides, training, gran fondos, gravel events and while performing bicycle maintenance and repair as well as racing in a USA Cycling sanctioned, sponsored or approved events or activities.  

When are you covered?

While participating in the above activities.

Where are you covered?

Anywhere in the United States.

International Race members are covered worldwide.

Learn More

How Spot Injury Insurance Works

If you were to get injured — we’ve got you covered.

Our dedicated claims team will guide you every step of the way.

Log in to start your claim


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.

© 2022 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, (including e-bikes up to 750 watts) participating in USA Cycling sanctioned or sponsored or supervised events for whom premium has been paid. Includes participation in sanctioned or sponsored or approved worldwide events or activities and for USA Cycling approved members while participating in and training for cycling events while outside of the United States. In addition, USA Cycling directed training and travel to and from event or training sites as part of the USA Cycling Development and National Teams. Coverage also includes participating in bicycle (including e-bikes up to 750 watts) related activities, including but not limited to: commuting, group rides, training, gran fondos, gravel events, bicycle maintenance and repair 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
(C) 2022 Spot Insurance Inc. All rights reserved.
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