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Travel Insurance for Mountain Biking Adventures

Ride prepared: Learn how travel insurance for mountain biking can help when the unexpected happens to Canadians

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Article at a glance:

  • Mountain biking travel insurance plans may help cover emergency medical expenses, trip delays, and stolen or damaged gear while riding trails around the world. 
  • Coverage includes off-road mountain biking, BMX, cycling—plus 250+ other adventure sports. 
  • Emergency medical expenses, 24/7 assistance, and baggage protection are included in World Nomads plans. 
  • Choose from the Standard or Explorer plans with optional additional activity level coverage to match your biking trip style, budget, and adventures. 
  • Stay safe with proper equipment checks, and licensed guides to help ensure your ride—and your insurance—goes smoothly. 

Why should you consider travel insurance coverage for your mountain biking adventure

Mountain biking adventures are thrilling—but they can come with unexpected bumps and twists. That’s why World Nomads includes mountain biking in our list of 250+ covered adventure sports for Canadians. If your biking trip leads to an injury or other emergency, our travel insurance coverage for mountain biking may help with medical expenses, evacuations, and trip interruptions. Whether you're biking through the jungle in Costa Rica or exploring remote trails in Asia, the right coverage gives you peace of mind to ride hard, knowing you’re protected if the unexpected happens. 

What types of mountain biking adventures can be covered by World Nomads Travel Insurance?

As long as you're not doing anything reckless, like riding without a helmet or under the influence of drugs or alcohol, World Nomads offers coverage for:

  • On or off road/downhill/cross country up to 3,000 metres in elevation
  • On or off road/downhill/cross country up to 6,000 metres in elevation
  • BMX – on road
  • BMX - off road/on-track/cross country
  • Quad biking
  • Scooter biking/riding
  • Triathlons and endurance races (non-professional) may also be covered!

Note: Special conditions and exclusions, in addition to the General Conditions and General Exclusions, may apply while taking part in certain sports or activities.

Nomads tip: World Nomads Travel Insurance can also cover your travels within Canada! Your Government Health Plan is limited once you leave your province. Your travel insurance plan can protect your domestic travels outside of your home province too.


Mountain Biking Travel Insurance: What’s Covered?

  1. Emergency Medical Expenses
    For broken bones, cuts, and sprains after an epic crash on the trail.

  2. Non-insurance Emergency Assistance
    Your first call in any emergency situation

  3. Baggage & Gear Coverage
    Broken or stolen biking gear (no coverage for in-use damage, though)

  4. Trip Cancellation, interruptions and delays

Get a quote and compare the plans to see which level of coverage is right for you.

At World Nomads, we know your mountain biking trip is about more than just the ride down the trail. That’s why our travel insurance plans for mountain bikers also cover 250+ other adventure sports and experiences—from alpine hikes and rock climbing to zip-lining and white-water rafting. Whether you’re navigating rugged backcountry or adding extra thrills to your itinerary, we offer two travel insurance plans with different coverage levels to match your trip style, budget, and adventure sports coverage to match your appetite for adventure. Be sure to check out our (extensive!) list of covered activities to pick the plan and activity level that fits everything you’re planning to do.

*All coverage is subject to plan terms and conditions. Be sure you read and understand your plan documents. Any questions, just ask!

What level of travel insurance coverage do I need for my mountain bike trip?

  • Standard Plan – Best suited for backpackers, budget travellers and families. Includes up to $5,000,000CAD in emergency medical expenses and $2500 for trip cancellation. This is our most basic plan, but it packs a punch.
  • Explorer Plan – For those trips you’ll be talking about for years to come! Our plan with the highest benefit limits, including up to $500 for baggage delay and $5,000 for trip cancellation.

You can compare plans and coverage limits when you get a quote. .

Nomads tip: Get a quote and choose your plan first, then the system will prompt you to add the activities you plan to do. Make sure you list them all; you won’t be able to make changes once on your trip.

Get a mountain biking travel insurance quote

Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.

Get a quote
A woman hiking in front of a snow capped mountain

What's not covered when mountain biking?

While we can offer coverage for mountain biking, there are some things we just won't cover. These include, but are not limited to:

  • Participating in any activity or sport as a professional athlete.
  • If you travel against medical advice.
  • Bicycles and other sporting equipment that are damaged while in use.
  • Search-and-rescue missions.
  • Unattended baggage, sporting equipment or personal items.
  • Biking while under the influence of alcohol or drugs.

Top safety tips for your mountain biking adventure

  • Get bike fit: Mountain biking requires a certain amount of strength and stamina, and in some cases, the ability to handle altitude. Be sure you are physically capable of it and consider seeing a doctor prior to your trip.
  • Make sure your bike is set up correctly before you ride check the saddle, pedals, handlebars, brakes, and tire pressure.
  • Put your safety first: only go riding with professional, qualified, licensed, and reputable operators. If something doesn't feel right, then don't go.
  • Keep your body loose and springy. Be prepared to stand up on the bike; doing this moves you with the bike and can help you avoid injury and accidents.

FAQ

Here are our most frequently asked questions about cover for hiking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • What is mountain biking travel insurance coverage, and why do I need it?
    Mountain biking travel insurance coverage helps cover unexpected events like injuries, medical emergencies, trip interruptions, or stolen gear during your biking adventure. Whether you're riding downhill trails or exploring remote backroads, having coverage can give you peace of mind when the unexpected happens.
  • What types of travel insurance plans are available for mountain bikers?

    World Nomads offers two plans tailored to your adventure style and budget: 

    • Standard Plan – Great for budget-conscious riders. 3,000 meters maximum ride elevation
    • Explorer Plan – Has higher benefit limits that may be best for someone pushing the limits, or mountain biking in more remote locations. 3,000 meters maximum ride elevation
    • Optional additional activity level coverage – provides coverage for rides up to 6,000 meters in elevation
  • What are some exclusions in mountain biking travel insurance?

    Travel insurance may not cover: 

    • Professional competition biking 
    • Damage to gear while in use or from wear and tear 
    • Search-and-rescue costs 
    • Incidents involving drugs or alcohol abuse.
    • Unattended gear or personal items 

    Always read your plan details to understand what’s not included. 

Need destination inspiration for your next mountain biking adventure?

Check out our handy guides and insider travel tips on the best places to go mountain biking:

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $5,000
  • Standard Plan: $2,500
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Explorer Plan: $10 million
  • Standard Plan: $5 million
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation & Repatriation

We’ll get you to hospital or home quickly.

  • Explorer Plan: $500,000
  • Standard Plan: $500,000
Emergency Evacuation & Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Covers the theft, damage or delay of your bags, tech and sports gear.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Medical Expenses
  • Emergency Dental for Injury or Sickness
  • Bedside Companion Travel and Subsistence
  • Emergency Professional Services
  • Emergency Evacuation and Repatriation
  • Return of Travel Companion/Dependent Children
  • Return to Your Trip Destination
  • Return of Remains
  • Travel Accident
  • Flight Accident
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage and Personal Effects Theft or Damage
  • Baggage and Sporting Equipment Delay
  • Travel Documents Theft or Damage
  • Sporting Equipment Theft or Loss by a Common Carrier
  • Covered Adventure Sports listed in Policy
Assistance Services Included
  • LiveTravelTM Emergency Assistance
  • Worldwide Travel Assistance
  • Adventure Travel Hotline
  • 24/7 Security
  • Travel Medical Assistance
  • Bag Trak
This is a general summary for Canadian residents only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all provinces. Check the Travel Insurance Policy for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Telephone +1 866 878 0192 (toll-free from Canada and the Continental U.S.) or +1 416 646 3723 (collect from anywhere else in the world)

Contact the team