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Injury Insurance for CYCLISTS

You can rest assured knowing Spot has your back whenever you're in the saddle.


Get Spot

For $51/year, Spot covers you up to $25,000 with no deductible, each time you’re injured whenever you ride your bike – be it training, touring, commuting, etc., on or off road. Your plan works whether you have health insurance or not and with any existing insurance plans you may have. Heads up! Only racing that is sanctioned by Bicycle Colorado is covered.

Joey Schusler
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Get hurt

If you have a crash, 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

Filing a claim with Spot is simple, really. It’s just a matter of taking pictures of your bill(s), explaining how you got injured, and providing a few other details. 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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Purchase Spot Here

Coverage for 1 year from your sign-up date 

Coverage is for enrolled members of OBRA’s voluntary annual program whenever you’re on the bike (including e-bikes up to 750 watts). Sanctioned races by other organizations are NOT covered under this plan. Events sponsored and supervised by OBRA are included in your coverage.

OBRA is the policyholder and coverage is underwritten and claims are serviced by Mutual of Omaha Insurance Group. Coverage is subject to the terms conditions and exclusions of the policy. Review the policy benefits summary here.

Not a Bicycle Colorado member? Click here to join today, and then purchase Spot.

 

Spot policy for 1 year

INCLUDES

$25,000

Accidental Medical Expense
Coverage

$5,000

Accidental Death or
Dismemberment Coverage

TOTAL
$51*
One time payment for coverage for 1 year
*Price includes admin fees

PERSONAL DETAILS

PAYMENT

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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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