Get Out & Ride

Unique accident insurance built for cyclists. Plans starting at just $9.95 per month.

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What’s Balance? 

Balance helps cyclists manage the financial pain of a crash, because today’s health insurance is not enough. High deductibles and cost-sharing charges can leave you responsible for thousands of dollars of your treatment costs. And, health insurance does not provide any coverage at all for the non-medical expenses of adjusting to a serious, life-altering injury, like paralysis or traumatic brain injury.


Super Affordable

Just $9.95 per month gets you up to $50,000 coverage. Amounts up to $150,000 are available.

Additional Benefits

Balance's benefits are paid over and above any other insurance you may have.

Paid Directly to You

We pay you, not the doctors and hospitals that treated your injuries. It’s your choice how to use the benefits – you can even repair or replace your bike.


What Does It Cost?

We have three plans built to work with your riding and your budget. Choose to pay in 6 or 12 month terms.


Signing up is easy - it takes less than 5 minutes and there are no health questions or physical exams required. Just be a U.S. resident aged 18-79 living in a state where Balance is currently available.

See exclusions in the Info Center.

Prices do not include surplus lines taxes & fees based on your state of residence.


I am grateful that Balance stood by their customer when I needed help and recommend Balance for Cyclists personal injury insurance.

- Paul L., Arlington VA


What’s Covered?

Long Term Injuries

Your choice of up to $150,000 for life-altering injuries.

Short Term Injuries

Up to $24,550 for injuries requiring medical treatment (included in all plans).

Your benefits are  reduced by 50%  if you’re not wearing a helmet at the time of the accident.

Your benefits are reduced by 50% if you’re not wearing a helmet at the time of the accident.

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State Availability

Residents aged 18-79 in these states can enroll in Balance.


Don't see your state listed? Contact us and we’ll let you know when Balance will be available in your area.




Have a question about our program, or just want to say hi? Send us an email or give us a call. We'll pick up the phone.

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