Velosurance is not affiliated with, sponsored by, or endorsed by USA Triathlon. This discount is offered independently by Velosurance and is not a USA Triathlon member benefit. "USA Triathlon" is a trademark of USA Triathlon, used here only to identify eligible riders.
An independent discount from Velosurance
Velosurance independently offers a 10% discount on the bicycle coverage premium to riders who hold a current annual USA Triathlon membership. We offer this discount on our own initiative: triathletes ride high-value bikes, train year-round, travel frequently with their equipment, and maintain it meticulously — exactly the risk profile our coverage is built for.
USA Triathlon is the national governing body for triathlon and multisport in the U.S.
Who qualifies
If you hold a current annual USA Triathlon membership, you qualify. Single-event and one-day memberships do not qualify. Membership tiers, names, and pricing are set by USA Triathlon and can change — check usatriathlon.org for current options.
Your membership must be active at the time your policy is issued or renewed. For riders under 18, a parent or guardian (18+) holds the policy and the young rider is covered as a named rider.
Velosurance confirms your membership status when your policy is issued and at each renewal. This verification is performed by Velosurance — USA Triathlon does not administer, verify, or sponsor this discount.
How to get the discount
When you request a quote from Velosurance, tell us you hold a current annual USA Triathlon membership. We may ask for reasonable proof of current membership. The discount is applied by Velosurance before your premium is finalized. If you join USA Triathlon mid-policy, the discount can be applied at your next renewal.
Combining the USA Triathlon discount with other discounts
Most competitive triathletes own at least two bikes. The tri bike is for race day and threshold intervals; a separate road bike covers base miles, group rides, and travel days where a tri bike is impractical. Some triathletes also own a gravel bike, a mountain bike, or a winter-only training bike. A USA Triathlon member who insures more than one bike on a Velosurance policy receives both the 10% USA Triathlon discount and the multi-bike discount (10% for two bikes, 15% for three or more) on the bicycle coverage premium.
The combined discount can be substantial. A two-bike household pairing a $9,000 tri bike and a $5,500 road bike under a single policy qualifies for both the multi-bike and USA Triathlon discounts simultaneously. The savings show up clearly in the quote, and they recur every year as long as the membership remains active and the bikes remain on the policy.
Coverages that matter to triathletes
Travel and transit are the most distinctive coverage needs for competitive triathletes. Velosurance covers crash and impact damage during transit and pays at the agreed value when a frame is declared a total loss. For athletes traveling internationally, worldwide coverage is available as an option that extends every protection on the policy to any country in the world.
Theft coverage is equally important. Velosurance pays theft claims regardless of where the bike was stored, as long as reasonable care was taken, and the agreed-value structure ensures the replacement is not depreciated by the bike's age or component wear.
Training crashes happen, and the Velosurance claims process is designed for the timeline a triathlete actually needs: turn a damaged bike around before the next race, not at the pace of a generic property claim.
USA Triathlon membership does not automatically add race coverage. Race coverage is a separate selection elected during the quoting process by choosing "competitive usage," and it can be added or removed at any point during the policy term. Many triathletes opt in only for the racing season and remove it during the off-season.
Two extras come standard with every Velosurance Physical Damage policy at no additional premium: rental reimbursement (up to $250 per occurrence, no deductible) toward a substitute bike when a covered loss strikes more than 50 miles from the insured location at an organized event, trip, or race, and competitive event fee reimbursement (up to $500 per event, $1,000 per policy year, no deductible) toward nonrefundable entry fees when a covered loss prevents you from competing.
Race week, packing, and the moments that matter most
Most triathlon claims that Velosurance handles for USA Triathlon members do not occur during a race. They occur during the days surrounding it. Loading the bike into a travel case on the morning of a flight, picking it up at oversized baggage in an unfamiliar airport, reassembling it in a hotel room, riding the course the day before the event, racking it overnight in transition, and breaking it down again for the trip home all create handling moments where damage and theft are more likely than they are during the race itself.
Velosurance coverage is in force during every one of those moments. Travel and transit are explicitly covered. Hotel storage, including informal storage in a bike box or against a wall in a hotel room, is covered. Transition area exposure is covered. Pre-ride and shake-out rides on the course are covered. The agreed value structure means that if a bike is damaged or lost during race week, the policyholder is not arguing with an adjuster over depreciation while trying to also recover for a planned race.
Frequently Asked Questions
Is this an official USA Triathlon program or member benefit?
No. Velosurance is not affiliated with USA Triathlon, and this discount is not part of USA Triathlon's official member benefits. We offer it independently to support multisport athletes.
Which USA Triathlon memberships qualify for the discount?
Any current annual USA Triathlon membership qualifies. Single-event and one-day memberships do not qualify. Membership tiers, names, and pricing are set by USA Triathlon and can change, so check usatriathlon.org for current options. If you join USA Triathlon mid-policy, the discount can be applied at your next renewal.
Does the USA Triathlon discount stack with the multi-bike discount?
Yes. The two are separate categories and apply together. Most age-group triathletes own both a tri bike and a road bike, and a two-bike policy held by a USA Triathlon member receives the 10% multi-bike discount and the 10% USA Triathlon discount on the bicycle coverage premium. Adding a third bike steps the multi-bike portion up to 15%.
Does my USA Triathlon membership automatically include race coverage on my policy?
No. Race coverage is a separate selection elected during the quoting process by choosing "competitive usage." It can be added or removed at any point during the policy term (for example, opted in for the racing season and removed during the off-season), so the premium tracks actual exposure.
Is my bike covered when I travel internationally for a race?
Worldwide coverage is available as an optional extension that can be added to any Velosurance policy. With it in place, a triathlon bike that flies to an international event is covered in transit, at the venue, in the hotel, and during pre-race training rides. Worldwide coverage is not included by default.
Does the policy reimburse me if a covered loss prevents me from racing?
Yes. Every Velosurance Physical Damage policy includes competitive event fee reimbursement (up to $500 per event, up to $1,000 per policy year, no deductible) and rental reimbursement (up to $250 per occurrence, no deductible) at no extra premium. Both kick in automatically when a covered loss either prevents you from competing in a paid event or requires you to rent a substitute bike during an event, trip, or race more than 50 miles from your insured location.
Save 10% on bicycle insurance
When you request a quote from Velosurance, tell us you hold a current annual USA Triathlon membership. The discount is applied by Velosurance before your premium is finalized.
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