Mountain biking travel insurance

Your mountain biking adventure awaits

A bicycle ride is a wonderful way to explore somewhere new. No wonder there are so many bicycle tours that explore everywhere from Italy’s wine country to the most popular national parks in the United States. But what if you want to get off the beaten path and get your adrenaline pumping a little more?

If you’re planning a mountain biking trip, it’s important that you have a travel insurance policy in place — one that covers adventure sports including mountain biking. Here’s what you need to know about mountain biking insurance, both for domestic and international travel.

What does mountain biking travel insurance cover?

With a comprehensive travel insurance policy that includes coverage for mountain biking adventures, you’ll be able to pedal with peace of mind. Note that most travel insurance plans exclude professional mountain biking. Here’s what a mountain biking travel insurance policy typically covers:

  • Sports equipment coverage: if your bike (or other luggage) is damaged, lost, or delayed, your insurance policy may reimburse you up to a specific dollar amount as outlined in your policy.
  • Travel medical insurance: mountain biking isn’t without risk and if you’re traveling internationally, your everyday health insurance may not cover medical expenses if you’re injured in an accident or if you fall ill during your trip. When you purchase travel insurance, you have coverage for emergency medical care you may need to seek, including medical evacuation in case of serious injury.
  • Other unexpected events: despite your best efforts, sometimes when you’re traveling abroad plans don’t always go off without a hitch. Luckily, travel insurance can help if your trip is canceled for a covered reason, delayed, or interrupted. And, no matter what happens, you’ll also enjoy 24/7 travel assistance, whether you’re a few states away or halfway across the world.

Top mountain biking destinations


With its dramatic landscapes and expansive unspoiled wilderness, it’s no wonder Canada is a top mountain biking destination. British Columbia is the undisputed hotspot, with world-famous trails in Whistler, Kamloops, and on Vancouver Island.


Italy is a popular mountain biking destination, thanks to its varied scenic terrain. You can wind your way through limestone seaside cliffs in Sardinia, cycle in the shadow of the Dolomites, or pedal past World War I monuments on MTB trails in the Trentino-South Tyrol region.

United States

Some of the world’s greatest mountain biking destinations may be in your own backyard. Traverse the desert landscapes of Utah and Arizona, challenge yourself to some high-altitude biking in Colorado, or explore Vermont’s forested tracks.


Especially during the famously long summer days, mountain bikers from all over the world flock to Norway for challenging biking, complemented by incredible mountain views. Discover single-track courses or bike down off-season ski slopes.

If you’re traveling abroad, it’s possible that  your health insurance won’t provide bill. With travel medical insurance in place, you’ll have coverage up to a preset maximum.

Good to know

Can I get travel insurance for a mountain biking trip within the United States?

Yes! Travel insurance is widely available for domestic trips, usually as long as you’re traveling more than 100 miles from home. Go ahead, plan that cross country expedition.

Will my everyday health insurance cover me if I'm injured on a mountain biking trip?

It depends on where you’re traveling. If your trip is within the United States, you’ll likely be able to use your everyday health insurance — though travel insurance medical coverage may protect you from out-of-pocket costs related to your deductible. If you’re traveling abroad, it’s possible that  your health insurance won’t provide coverage at all. With travel medical insurance in place, you’ll have coverage up to a preset maximum. Look for emergency medical evacuation coverage, which can be invaluable if you’re seriously injured in a crash and need medical evacuation to a hospital.

Is accidental death coverage available for mountain biking trips?

Check your policy regarding  accidental death and dismemberment (AD&D).

What are the common exclusions for mountain biking insurance?

Most travel insurance companies exclude coverage for professional mountain bikers traveling for competition. Additionally, there may be some countries where travel insurance isn’t available. Consult your plan documents for additional details.

Does travel insurance cover rental cars?

If you plan on renting a car to get to your mountain biking destination, you can add rental car coverage onto your general travel insurance policy. It covers theft of the vehicle you’ve rented, as well as damage caused by collision, vandalism, or extreme weather.

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