Greater Houston Off-Road Bicycling Association

Every time you're in the saddle — 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 gobble up the miles.

Purchase Coverage

Yep, you’re covered anytime you’re pedaling.

File a Claim

Every day. Every ride.

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?

All enrolled members of Greater Houston Off-Road Biking Association.

What activities are covered?

Training, touring, commuting, gran fondos and on or off-roading.

Heads up — racing is only covered at GHORBA-sponsored events.

When are you covered?

​Anytime you’re on a bike, including e-bikes up to 750 watts*.

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
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 GHORBA membership to get Spot.
Visit GHORBA

We’ve got you covered.

Coverage is underwritten and claims are serviced by Mutual of Omaha Insurance Company. Greater Houston Off-Road Biking Association is the policyholder for Accident Insurance for all enrolled members of Greater Houston Off-Road Biking Association’s Mandatory annual program, participating in bicycle (including e-bikes up to 750 watts) related activities, including but not limited to: commuting, group rides, training, gran fondos, bicycle maintenance and repair, as was as events sponsored and supervised by Greater Houston Off-Road Biking Association for whom premium has been paid. Coverage does not apply to any other sponsored races. Coverage is subject to the terms, conditions, and exclusions of the policy.

Spot Insurance 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) 2022 Spot Insurance Inc. All rights reserved.
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