it's like a helmet for your wallet.
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. Anytime & anywhere you’re on a bike, we can help protect you from the financial consequences of an accident.
When you ride with Balance, you're covered in the event of a serious injury. It's personal accident insurance built for cyclists.
How does it work? Simple. Balance pays you over and above any other coverage you have when you suffer a covered accident. You can use that money to pay for deductibles and expenses health insurance doesn't cover.
With plans starting at $7.95 per month, Balance offers up to $150,000 of financial protection. With Balance, you're covered.
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 of up to $150,000 for severe TBIs and up to $75,000 for moderate TBIs.
If a covered accident results in paralysis in one or more limbs, Balance has you covered with benefits of up to $150,000 for quadriplegia, hemiplegia, or paraplegia, and up to $75,000 for 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, you're covered with a benefit up to $150,000.
If you die due to injuries sustained in a covered accident, your family or designated beneficiary will receive up to $150,000.
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.
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.
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