USA Cycling Ride+

Every time you're in the saddle — you're covered.

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

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

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Coverage Overview

Benefits Overview


Accident Medical Expense Coverage


Accidental Death or Dismemberment


Heart and Circulatory



Who is covered?

Active USA Cycling Ride+ 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.

Racing events are not covered.

When are you covered?

While cycling (including e-bikes up to 750 watts).

Where are you covered?


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 registered members of USA Cycling’s annual plus program, participating in bicycle (including e-bikes up to 750 watts) related activities only, including but not limited to: commuting, group rides, training, gran fondos, gravel events, bicycle maintenance and repair for whom premium has been paid. Coverage does not apply to any race events sponsored or supervised by USA Cycling, or any other organization. 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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