I shattered my collarbone and needed a plate and six screws. My High Deductible Health Plan (HDHP) meant I had to pay the first $6,000, plus 20% of the surgery. I was looking at $12,000 out of pocket. I wished I had known about “Spot” insurance before I rode that day.
Key Takeaways
- Gaps in Health Insurance: Deductibles in 2026 are high. Riders often face bankruptcy not from the lack of insurance, but from the deductible.
- On-Demand Accident Insurance: Companies like Spot or Buddy offer “injury insurance” specifically for active people. You pay ~$20/month. If you get hurt, they cut you a check for up to $20,000 to cover your medical bills.
- No Network Limits: Unlike health insurance, accident insurance pays you. You can use it to pay the hospital, the ambulance, or your rent while you recover.
- Exclusions: Check if they exclude “motorized racing.” Casual riding is usually covered.
The “Why” (Cash Flow)
Health insurance pays the doctor. Accident insurance pays you (or reimburses you). It fills the liquidity gap when you are hurt and can’t work.
The Investigation: The Safety Net
I compared three supplemental options.
1. Aflac (Accident)
- Pros: Pays cash for specific injuries (e.g., $2,000 for a broken bone).
- Cons: Hard to buy without an employer plan. “Motorized vehicle” exclusions can be tricky.
2. Spot / Buddy (Active Lifestyle)
- Pros: Designed for this. Explicitly covers mountain biking, skiing, and increasingly, PEVs.
- Cons: Monthly subscription.
3. Life Insurance Riders
- Pros: Cheap add-on.
- Cons: Only pays for “Dismemberment” (losing a hand/foot) or death. Not helpful for a broken collarbone.
Comparison Table
| Injury | Health Insurance Pays | Accident Insurance Pays |
| Ambulance ($2k) | 80% (after deductible) | 100% (up to limit) |
| Surgery ($30k) | 80% (after deductible) | 100% (up to limit) |
| Lost Wages | $0 | $0 (Need Disability Ins.) |
Step-by-Step Action Plan
- Check Your Deductible: If it’s over $2,000, you are exposed.
- Get Spot/Buddy: Sign up. It takes 5 minutes. Ensure “Micromobility” or “Cycling” is covered.
- Wear Gear: It’s the cheapest insurance. Helmet, wrist guards, knee pads.
FAQ
Does it cover me if I was drunk?
No. Intoxication voids almost all insurance claims.
[IMAGE: Graphic showing a stack of hospital bills vs a check from an accident insurer]