Frequently Asked Questions

U.S. residents aged 18-79 living in approved states can enroll in Balance. Coverage is worldwide, 24/7/365.

Balance is available to residents aged 18-79 in the following states:

• Kentucky
• Virginia

Don’t see your state listed? Contact us to find out when Balance will be available in your area.

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

• $50,000 Serious Injury Coverage: $9.95 per month
• $100,000 Serious Injury Coverage: $14.95 per month
• $150,000 Serious Injury Coverage: $19.95 per month

It takes less than 5 minutes and there are no health questions or physical exams required.

This is accident insurance coverage.

It is neither comprehensive health insurance nor minimum essential coverage under the Affordable Care Act (ACA).

To help with the expenses your health insurance doesn’t fully cover. We pay you over & above any insurance you have.

We pay you, not the doctors and hospitals that treated your injuries. It’s your choice how to use the benefits.

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

We cover Moderate and Severe Traumatic Brain Injuries. A concussion (mild TBI) generally will not meet the definition of a moderate or severe TBI under this policy. Covered Accidents involving a concussion may, however, be eligible for Base Coverage benefits.

To help protect from the financial consequences of an accident at an affordable price, there are some things we can’t cover:

• Suicide, attempted suicide or intentional self-inflicted injury while sane or insane.
• War or any act of war, declared or undeclared.
• Sickness, disease or any bacterial infection, except one that results from an accidental cut or wound or pyogenic infections that result from accidental ingestion of contaminated substances.
• Commission or attempt to commit a felony or that occurs while engaged in an illegal occupation.
• Voluntarily taking any drug or narcotic unless the drug or narcotic is prescribed by a physician. (Not applicable in KY; KY residents see State Specific Exclusions below.)
• Intoxication or being under the influence of any drug or narcotic. (Not applicable in KY; KY residents see State Specific Exclusions below.)
• Performing any Bicycle Stunt or Acrobatic Act.
• Riding a Bicycle while engaging in, training for, or participating in Gravity Events, Freeriding, or BMX-style Riding.
• Riding a Bicycle within a Bicycle Park.
• Riding as a passenger on a Bicycle not specifically built or adapted to carry a passenger.
• Riding a Bicycle for compensation of any kind, except as a Professional Bicycle Racer, regardless of whether or not Workers’ Compensation applies.

State Specific Exclusions:

• KY: Being intoxicated or under the influence of any narcotic or hallucinogenic unless administered on the advice of a Physician.

Get up to $2,500 more with our new optional Additional Expenses Benefits Rider!

If you’re involved in a Covered Accident, benefits under this rider are payable directly to you. Use the extra funds in any way that you choose...

...EVEN TO REPAIR OR REPLACE YOUR BICYCLE!

Coverage area is worldwide, 24/7/365.

If you’ve suffered an injury while on your bicycle, please seek medical attention first. When you’re ready, you can start your claim request through one of the following ways:

• Send us an Email: To complete your claim request, just send us an email and we'll provide you with the necessary documentation.
• Make a Phone Call: Not sure where to begin? Give us a call, we'll answer the phone.

claims@ridewithbalance.com · (804) 273-9797

Balance is a program that is developed and managed by Affinity Group Underwriters. It is underwritten by Amalgamated Life Insurance Company

(Policy Form BICP 2019. Features & form numbers may vary by state).