AICL provides Excess Medical insurance for in season activities, such as sanctioned training rides and events. However, many of our riders and coaches train year round, and compete in races outside the AICL, where they aren’t covered by our Excess Medical Policy.
Buddy’s Accident Insurance pays first dollar benefits directly to their customers, in the event of a covered accident. There are no deductibles and customers decide how to use the benefits. Best of all Buddy covers almost any accident and not just those sustained on a bike.
Answer a few questions (don't worry, it's way shorter than your average BuzzFeed survey).
Have FUN! Whenever, wherever, Buddy's got your back with 24/7 global coverage.
If you get hurt, file a claim. It's super easy and we'll walk you through the entire process.
Q. Am I only covered in the state where I reside and purchase my policy?
No. With Buddy, you’ll be covered no matter where you go. While you must purchase coverage based on the state where you reside, you can rest assured knowing you’ll be protected whether you’re riding the trails across town, or heading out of the country for the adventure of a lifetime.
Q. Am I only covered while riding?
No. Our policy provides 24/7 coverage for all activities not excluded by the policy while it is active. You can read more about exclusions
We also can’t cover the following activities: BASE jumping, big wave surfing, tow in surfing, bull riding, bungee jumping, cave diving, cliff jumping, cross country eventing, FMX, freediving, free soloing/climbing or mountaineering (other than bouldering) without the use of ropes and appropriate equipment, highlining, running of the bulls, skydiving/parachuting, street luging, and wingsuiting.
If you have any questions or concerns, let us know.
Q. Is there a deductible?
No. Our benefits are first dollar benefits, which means we pay you the amount listed in our table of benefits when certain events occur, like an overnight hospital stay.