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Even minor injuries due to a bike related accident can be costly. That’s why we built Balance - it’s personal accident insurance built for cyclists. When you ride with Balance, you're protected from the financial consequences of an accident.

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It's like a helmet for your wallet.

When you ride with Balance, you're covered in the event of a serious injury. It's personal accident insurance built for cyclists.

Here's how it works - anytime and anywhere you're on a bike, if you're in a covered accident, we pay you defined benefits. They're paid directly to you, and you decide how to use those benefits. You can use them for your health insurance deductible, to adapt to new life circumstances, or even to fix your bike.

With plans starting at $7.95 per month, Balance offers up to $150,000 of financial protection. With Balance, you're covered.

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Rider Benefits

From a quick visit to an Urgent Care Center to a Serious Traumatic Brain Injury, Balance helps protect your wallet in event of a crash. Choose up to $150,000 of Long Term Injury Coverage. All plans come with up to $24,550 of Short Term Injury Coverage for any covered accident. See details below.

Short Term Injury Coverage
for injuries requiring medical treatment
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Worried about hospital costs? If you suffer a covered accident, Balance provides $300 a day for up to 60 days in hospital.

Please note: This benefit does not include confinement in a Long Term Acute Care Hospital. What’s a “Long Term Acute Care Hospital?”

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Emergency Care

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.

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Physical Therapy

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.

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When you need an ambulance, Balance pays up to $500 to help offset the cost of a ground ambulance and/or up to $5,000 for transportation by air if required.

Please note: this an “Excess Benefit,” and is payable only to the extent that another health insurer or source doesn’t provide coverage. What does “Excess Benefit” mean? 

Long Term Injury Coverage
for life-altering injuries, up to $150,000
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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. What’s considered a TBI?

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If a covered accident results in paralysis in one or more limbs, Balance has you covered with benefits for quadriplegia, hemiplegia, paraplegia, and uniplegia.

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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 a specified percentage of the selected benefit.

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Accidental Death

If you die due to injuries sustained in a covered accident, your family or designated beneficiary will receive the selected benefit. How do I designate a beneficiary?

Rider benefits are  reduced by 50%  if not wearing a helmet at the time of the accident.

Rider benefits are reduced by 50% if not wearing a helmet at the time of the accident.



Choose one of three levels of coverage


Signing up is easy. There are no health questions or physical exams required. Just be a U.S. resident age 18-74 in a state where Balance for Cyclists is available. Choose to pay in 6 or 12 month terms. Prices do not include surplus lines taxes & fees based on your state of residence.


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