Vermont Mountain Bike Association

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.

Chat with us to file a claimPurchase Coverage

Every ride. Every time.

Coverage Overview


Accident Medical Expense Coverage


Accidental Death or Dismemberment


Heart & Circulatory Coverage



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.

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?

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
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