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Injury Insurance for Cyclists

Spot has your back when you get injured. Whether you’re mountain biking, racing a crit, skiing, rock climbing, cleaning the gutters, or doing almost anything in between, you're covered. We firmly believe that breaking a bone shouldn’t break the bank.


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$20,000 coverage from $25 a month—coverage in 90 seconds

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Ideal for those with high deductibles or no health insurance

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no network of doctors—coverage is 24/7 worldwide

How It Works

Get Spot

Spot starts at $25 a month and covers you up to $20,000 each time you’re injured. Your plan works whether you have health insurance or not and with any existing insurance plans you may have. Since it’s a subscription, you’ll be charged on the same day every month. You can rest assured knowing Spot has your back 24/7 worldwide.

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Get Hurt

If you fail at 'keeping the rubber side down', focus on your injury first and get the treatment you need. Go to any licensed physician, hospital, ER, or urgent care clinic that is convenient to you. Whatever your physician recommends as treatment should be covered, whether that’s diagnostic tests, scans, surgery, specialist visits, prescriptions, procedures, hospital stays, ambulance or air ambulance rides, physical therapy, and more.

Get Paid

Ever met an insurance company eager to pay out claims? Now you have. Filing a claim with Spot is simple, really. Make sure to save your bills and receipts. Once you get your first bill, you can file a claim. It’s just a matter of taking pictures of your bill(s) on your phone, explaining how you got injured, and providing a few other details. Oftentimes, you will be reimbursed before your medical bills are even due. It is possible for your policy to pay your providers directly, although it takes longer. Once you file a claim, you will be given a personal claims representative who will work with you to determine the best plan for your medical and financial situation.

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Spot Partnerships

You can always purchase Spot on your own for 24/7 worldwide coverage, but keep an eye out for us at your favorite fondos, races, and cycling organizations. We’re integrated across the cycling world–available for purchase on a per day basis, or for annual on-the-bike specific coverage. We’ll see you out there!

What's Covered? Covered: Broken bone, stitches, surgeries, concussion. Not Covered: Shin splints, dehydration, illness,
						injuries before Spot. What's Covered? Covered: Broken bone, stitches, surgeries, concussion. Not Covered: Shin splints, dehydration, illness,
						injuries before Spot.

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