Eligibility
USA BMX members enrolled in the voluntary weekend buy-up option, who are US citizens and for whom premium has been paid.
Covered Activities
Participating in activities sponsored or supervised by USA BMX, including injuries sustained during events or while practicing on sanctioned USA BMX racetracks.
Policy Details
Covered Accident
A sudden unforeseeable event, independent of disease, sickness and mental of bodily infirmity, that results in a covered injury or covered loss and occurs while you are insured under the policy while participating in covered activities.
First Covered Expense
Must be incurred within 180 days from the date of the accident.
Treatment Time frame for Accident Medical Expense
Benefits paid up to 52 weeks from the date of the accident.
First notice of Loss
Spot must be notified within 31 days after a loss occurs or begins, or as soon as reasonably possible. Use the link below to contact our customer care team, email spot@getspot.com or simply start a claim from your Spot account.
Accidental Death & Dismemberment (AD&D):
Coverage is for death or severe dismemberment as the result of an accident while participating in a covered activity. First covered expenses must be incurred within 365 days of the covered accident.
Heart And Circulatory Malfunction:
Coverage is for injury or death that is the result of heart failure while participating in a covered activity. No coverage for pre-existing heart conditions. First symptoms must be medically diagnosed within 72 hours of participation.
Policy Benefits
Accident Medical Expense
$10,000
Accidental Death or Dismemberment
$5,000
Heart And Circulatory Malfunction
$10,000
Deductible
$0
Policy Exclusions
In addition to any benefit-specific exclusion, benefits will not be paid for any Covered Injury, Covered Loss or Covered Expense which directly or indirectly, in whole or in part, is caused by or results from any of the following unless coverage is specifically provided for by name in this Policy:
- Intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane;
- commission or attempt to commit a felony or an assault;
- commission of or active participation in a riot or insurrection;
- bungee-cord jumping, parachuting, skydiving, parasailing, hang-gliding;
- declared or undeclared War or act of War;
- flight in, boarding or alighting from an Aircraft or any craft designed to fly above the Earth’s surface, except as:
- a fare-paying passenger on a regularly scheduled commercial or charter airline;
- a passenger in a non-scheduled, private Aircraft used for pleasure purposes with no commercial intent during the flight;
- a passenger in a military Aircraft flown by the Air Mobility Command or its foreign equivalent;
- travel in or on any on-road and off-road motorized vehicle that does not require licensing as a motor vehicle;
- participation in any motorized race or contest of speed;
- an Accident if the Covered Person is the operator of a motor vehicle and does not possess a valid motor vehicle operator's license, unless: (a) the Covered Person holds a valid learners permit and (b) the Covered Person is receiving instruction from a Driver's Education Instructor;
- Sickness, disease, bodily or mental infirmity, bacterial or viral infection or medical or surgical treatment thereof, except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food;
- the Covered Person being legally intoxicated as determined according to the laws of the jurisdiction in which the Covered Accident occurred;
- voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage;
- injuries compensable under Workers’ Compensation law or any similar law;
- a Covered Accident that occurs while on active duty service in the military, naval or air force of any country or international organization. Upon Our receipt of proof of service, We will refund any premium paid for this time. Reserve or National Guard active duty training is not excluded unless it extends beyond 31 days;
- aggravation, during a Covered Activity, of an injury the Covered Person suffered before participating in that Covered Activity, unless We receive a written medical release from the Covered Person’s Physician;
- operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant including any prescribed drug for which the Covered Person has been provided a written warning against operating a vehicle while taking it. Under the influence of alcohol, for purposes of this exclusion, means intoxicated, as defined by the law of the state in which the Covered Accident occurred.
In addition, benefits will not be paid for services or treatment rendered by any person who is:
- employed or retained by the Policyholder;
- living in the Covered Person’s household;
- an Immediate Family Member of either the Covered Person or the Covered Person’s spouse;
- the Covered Person.
©2025 Spot Insurance Inc. All rights reserved. USA BMX is the policyholder for Accident Insurance that covers all citizens or permanent residents of the United States, including individuals holding valid temporary work visas, who are active and registered members of USA BMX enrolled in the per event buy-up option who have enrolled and paid premium, participating in activities sponsored or supervised by the Policyholder. Coverage is subject to the terms conditions and exclusions of the policy. Coverage is underwritten and claims are serviced by Sirius Point America Insurance Company and facilitated by Life By Spot Companies Inc.
