Nobody runs for years without losing a season to something. Half of us get hurt every year; all of us keep running anyway — that isn't a flaw in the plan, it is the plan. So instead of betting against an insurance company, the first 500 of us pool $20 a month — and when a body breaks, Legs sends a running PT within 48 hours and real money back on the bills. Take care of the ones that carry you.
No adjusters. No networks. No profit motive squatting between you and your recovery. When the pool ends the year healthy, the surplus goes back to the members who stayed healthy. That's the whole business model. It fits on a page.
Text about any niggle — answers in minutes, a licensed PT within 48 hours when it's clinical. Always free. Never touches your cap. A five-minute chat beats an $1,800 stress fracture.
Treatment is what uses your cap: PT sessions, imaging, ortho — 80% of every bill back until your yearly cap runs out ($560 on Core). A big bill can never collect more than the cap. No networks; send the receipt.
Claim-free years grow your cap. A five-year member runs with roughly double the coverage of a rookie. Streaks mean something here.
Eight weeks of consistent training and you're in. Your log proves you're a runner — and because your whole history is right there, we never argue about what's "pre-existing."
And when something does happen, the claim starts where your care started — with the PT you've already been talking to. Send the receipt; the money comes back in days. We will never argue with you about how you got hurt.
Good — keep your plan. Legs rides underneath it. The average employer deductible is about $2,000, and nearly every running injury costs less than that — so for the injuries you'll actually get, your insurance pays nothing. Legs pays what your plan leaves behind: the copays, the deductible spending, the cash-pay PT.
Below the deductible, "covered" means you pay all of it — until a catastrophic year you'll probably never have. Legs sends $320 of that back.
A plan gets you a referral, a wait, and a generalist who says "stop running." Legs gets you a running PT by morning, with a modify-don't-stop plan that respects your race calendar.
Gait analysis, strength programming, a 9pm PT chat, the cash-pay PT your club actually trusts — never in-network, at any price. Here, they're the product.
The claim is the data: steady training, then a verified stop. No adjuster, no "we determined your tendinopathy was pre-existing."
Same price at 26 and 62. Your risk work is done by training smart, not by getting younger.
We reimburse the bill, not the network. See the PT your club actually trusts.
Open books, always. The design: 64¢ of every dollar to member care, 25¢ to run the co-op, 11¢ back to members.
One page of rules, written in runner. Read it before you pay us a cent.
We're a co-op. Low-claim years don't buy anyone a yacht — the surplus goes back to members.
It's never really about the knee. It's the race you trained twelve weeks for. The morning ritual that keeps you sane. The version of you that moves through the world on your own two legs. That's what's on the line. That's what we cover.Built by runners who've sat out seasons — for everyone who plans not to.
Even in a year you never claim and the giveback is small, the member stack is designed to be worth more than the $240 you paid. Coverage is the safety net. The perks are the everyday value.
From day one: Taper, your coach, and unlimited PT chat. Rolling out with first-cohort partners: the annual movement screen, shoe and race discounts, and member cash rates at network PTs. And every claim-free year grows your cap 15% — loyalty is worth actual money here.
Both tiers include free PT chat from day one and the claim-free streak. The difference is how much of the bill comes back when something real happens.
The percentage answers "of this bill, how much comes back?" The cap answers "how much can the pool pay you in total this year?" Every reimbursement draws it down — however many injuries, however bad. Talking to a PT never touches it, and claim-free years grow it 15%.
And the quiet part, loudly: Legs is recovery support, not surgery insurance — your health plan stays the backstop for the catastrophic tail. We'd rather tell you here than have you find out mid-MRI.
Not a marketing claim — a live dashboard every member will be able to open. The design, per dollar:
Chat with a PT from the moment you join — free, unlimited, and it never counts against your cap. Use it for every niggle; we want you to.
Claims open at 5× what you've paid in. No joining injured on everyone else's dime.
Your tier's whole annual cap, every year after.
Loyalty compounds. Five years in, your cap is roughly double a rookie's.
Legs is a member-owned sharing pool, not an insurance company. The pool pays what it holds — and can never owe more than that, which means it can never collapse the way an underfunded insurer can.
In a freak month where claims outrun the pool, that month's claims are paid proportionally, and the books show it. In a normal month — which is every month we've modeled at target membership — claims are paid in full, fast.
We hold a 6-month claim reserve before a single giveback dollar leaves the pool. Boring, on purpose.
Half of us get hurt every year. All of us keep running anyway. The point was never avoiding the breakdowns — it's making the coming back shorter. Leave your name; the first cohort of 500 hears first, and nothing costs anything until the pool opens.