Drop in — 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 shred harder than ever.

Yep, you’re covered anytime you’re on a bike.

Purchase Coverage

Every ride. Every time.

Coverage Overview

$25,000

Accident Medical Expense Coverage

$10,000

Accidental Death or Dismemberment

$10,000

Heart & Circulatory Coverage

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$0

Deductible

Who is covered?

Current season VMBA members that are citizens or permanent residents of the United States, including individuals holding valid temporary work visas. You must be an active VMBA member throughout the duration of your coverage in order to be eligible to submit a claim.

What is covered?

Bicycle (including e-bikes up to 750 watts) related activities, including but not limited to: commuting, individual rides, group rides, training, gran fondos, bicycle maintenance and repair, and mountain bike trail building and maintenance.

Heads up — only racing sponsored by VMBA is covered.

When are you covered?

Anytime you’re on a bike. You’re covered for an entire year starting the day you sign up for Spot.

Where are you covered?

Anywhere in the United States and its territories.

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Learn More

FAQs

See a full list of FAQs

here

Get Spot

Sign up for a VMBA membership now to get Spot, then get shredding.

Become a VMBA member

We’ve got you covered.

Coverage is underwritten and claims are serviced by Mutual of Omaha Insurance Company. Vermont Mountain Bike Association (VMBA) is the policyholder for Accident Insurance for all registered members of VMBA enrolled in the voluntary true annual option, participating in bike-related activities, including injuries sustained during VMBA-sponsored events. Coverage is subject to the terms, conditions, and exclusions of the policy.

Spot Insurance Agency, Inc. is a licensed agent/broker offering accidental death and disability insurance policies and travel insurance.
Our National Producer Number (NPN) is 18724703. For additional license information, contact legal@getspot.com
(C) 2023 Spot Insurance Inc. All rights reserved.
500 W 2nd St. #1900, Austin, TX 78701