Whether you’re a hobby mountain biker or serious fiend, travel insurance for mountain biking can stand you in good stead when the mountain wins.
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Embrace the thrill of the trails! Whether you're a weekend warrior, or a downhill daredevil, having travel insurance can keep you focused on the fun, not the what-ifs. From the rugged peaks of Scotland to the challenging trails of the Alps…there’s so many mountains waiting to be climbed on two wheels! But before you hit the paths less pedalled, check out our tips to ensure you're fully geared up with the right cover.
Accidents and Injuries: the rugged nature of mountain biking increases the risk of falls and injuries. Whether it's a minor scrape or a more serious injury requiring hospitalisation, travel insurance can cover medical expenses and emergency treatments.
Remote Locations: many of the best trails are off the beaten path. If you get injured in a remote area, emergency evacuation can be costly. Travel insurance can cover the expense of medically necessary evacuations, ensuring you receive the best possible care swiftly.
Damage or Loss of Gear: mountain biking gear is an investment. If your essential equipment is damaged or stolen during your trip, travel insurance can help cover these costs, allowing you to replace or repair your gear without significant financial burden. World Nomads provides baggage protection for lost, stolen, or damaged items of up to £3,000 with the Explorer Plan and £1,500 with the Standard Plan. For high-value gear, you may want to consider adding them as high value items. You can increase the level of cover of item up to £750 on the Explorer plan and £400 on the Standard. The maximum limit for all high value items is £2,250 on the Explorer and £1,200 on the Standard. An additional premium is required when adding high value items.
As long as you’re not doing anything silly, like riding without a helmet or under the influence of drugs or alcohol, World Nomads offers cover for mountain biking (on and off road, cross country, or downhill). We offer two plans – Standard and Explorer – each of which offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific mountain biking plans. Here are some of the things our plans over:
It’s not nice to think about, but if you suffer an injury or accident on your ride, our emergency medical assistance coverage may protect you for emergencies that require:
If you need medical treatment, it’s essential that you get in touch with our Emergency Medical Assistance team as soon as possible so they can support you.
You might be riding in a remote area, far from medical assistance, so our policies include coverage if you need to be evacuated to a medical facility.
Having a medical emergency in a foreign country can be overwhelming but buying a World Nomads policy means you’ll have access to our 24/7 Emergency Medical Assistance team. Our Medical Emergency Assistance team can help with a range of services in whatever part of the world you’re travelling 365 days a year.
If your ride is cancelled or interrupted due to an unforeseen event, you may be able to recover your unused/additional travel expenses. With the Explorer plan this can include if your destination is affected by a natural catastrophe.
Note: There are specific terms and conditions, limits and exclusions that apply to mountain biking, so be sure to check the exclusions section of this article, and also check your policy wording carefully. If you’re not sure whether something is covered, contact us.
While we can offer coverage for mountain biking, there are also things we just won’t cover. These include, but are not limited to:
Check out our handy guides and insider travel tips on the best places to go mountain biking:
This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Protect your trip from unexpected cancellation.
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Take the pain out of medical costs while traveling abroad.
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Expenses included in Emergency Medical limits.
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Cover your lost, stolen or damaged gear and tech.
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You are not eligible to buy a policy if you travel against medical advice, travel with the intention of receiving medical treatment, or have a terminal illness. World Nomads policies cannot cover claims due to Pre-Existing Medical Conditions (PEMC), regardless of whether the condition is serious or not. You can still purchase a World Nomads policy, but the PEMC exclusion cannot be removed, and you will be responsible for any related costs.
For information on travel insurance providers that offer cover on PEMC, visit Money Helper or call 0800 138 7777.
If you need medical assistance or emergency medical evacuation our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Wherever you are, we’re here 24/7 to help you in any emergency.
Are you in need of Emergency Medical Assistance right now?
For policies purchased on or after 27 June 2024
+44 (0) 144 444 2021 (Call via an operator reverse charges. Not toll free.)
For policies purchased before 27 June 2024:
Phone: +44 (0) 203 093 1750 (Call via an operator reverse charges. Not toll free.)
Here are our most frequently asked questions about buying travel insurance for mountain biking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
Before your trip, check the latest government advice for any travel alerts for your destination.