Balance supplements your health insurance to make sure you're covered in case of an injury. It's like a helmet for your wallet.
ride smart with Balance.
Balance helps protect cyclists from the life-changing financial consequences of an accident. Anytime & anywhere you're on a bike. Whether it's a broken leg or serious head injury. Because for cyclists, health insurance is not enough.
Balance Product Developer & Program Manager
Underwritten by certain underwriters at Lloyd's
For cyclists, health insurance is not enough. That's why Balance offers Personal Accident coverage built for cyclists. Coverage plans are available from $50,000 to $150,000.
Find Your Balance
Are you a cyclist, event operator, or bikeshare manager? We have the program that fits your needs.
Events & Tours
Balance offers Event & Tour operators Personal Accident coverage for every rider. Cancellation coverage is also available, which protects event organizers against an event not being held.
We're different than any insurance you've had. Balance pays you on top of any insurance you may have. See plan details below.
Serious Injury Coverage
Traumatic Brain Injury
Balance is the first insurance plan to offer a benefit specifically for traumatic brain injury (TBI) from a bicycle accident, with benefits for severe and moderate traumatic brain injuries.
If a covered accident results in paralysis in one or more limbs, Balance has you covered with benefits for quadriplegia, hemiplegia, paraplegia, and uniplegia.
Loss of Limb (Dismemberment)
If you lose one or more body members (i.e. arm, leg, hand, foot or eye) resulting from a covered accident, Balance will pay you the selected benefit.
If you die due to injuries sustained in a covered accident, your family or designated beneficiary will receive the selected benefit.
Worried about hospital costs? If you suffer a covered accident, Balance provides $300 a day for up to 60 days in hospital.
Emergency Care Treatment
There's no time to worry about costs during an emergency. Balance offers an extra $300 per visit payable for treatment in an Emergency Room and $150 per visit for treatment in an Urgent Care Center.
Need a physical therapist? So long as you receive treatment within 72 hours of a covered accident, Balance pays you $75 a visit for up to 10 visits with a physical therapist. Just be sure to begin treatment within 60 days of the accident.
When you need an ambulance, we reimburse up to $5,000 for air or up to $500 for ground ambulance expenses when medically necessary, in excess of what your health insurance covers.
Rider benefits are reduced by 50% if not wearing a helmet at the time of the accident (does not apply for Bikeshare riders).
Sign Up Online
Signing up is easy. There are no health questions or physical exams required. Just be a U.S. resident age 18 through 74 in a state where Balance for Cyclists is available. Prices do not include surplus lines taxes & fees based on your state of residence.
Get A Quote
Events & Tours, Bikeshare
Each program is specific, and we can tailor it to your needs. Event Operators, choose "Get A Quote" to fill out our online application. Bikeshare Managers, please click on "Request Info."
Events & Tours
This is accident insurance coverage. It is not comprehensive health insurance coverage and does not satisfy a person’s individual obligation to secure the requirement of minimum essential coverage under the Affordable Care Act (ACA). For more information about the ACA, please refer to www.healthcare.gov.
Copyright © Affinity Group Underwriters 3/2018. Ver 1.05