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Travel Insurance for Cycling

US Residents can protect their trip on two wheels with bundled travel insurance for cycling trips.

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At a glance:

  • Travel insurance coverage for cyclists can protect against unexpected emergency medical expenses, trip interruptions, and damage or theft of gear during their biking adventures.
  • World Nomads offers benefits that cover a wide range of cycling activities, including road biking, mountain biking, BMX, snow biking, and even unicycling, with flexible plans that cater to everything from casual rides to extreme expeditions.
  • 24/7 non-insurance emergency assistance is available if you run into trouble on or off the bike.
  • Choose from four travel protection plans: Standard, Explorer, Epic, or Annual—tailored to your trip style and level of adventure.
  • World Nomads plans also cover 250+ other adventure activities, from rock climbing and hiking to snorkeling and jungle trekking.

When planning a cycling adventure—whether it’s scenic touring, urban exploration on an e-bike, or challenging off-road terrain—investing in travel insurance for cycling may be just as important as tightening your helmet. With plans designed to match your ride, you’ll hit the road confident.

Why should I consider travel insurance for my cycling trip?

Even the best-laid cycling plans can face unexpected detours. A crash, sudden illness, or travel delays might throw off your itinerary, while stolen or damaged gear while traveling could cut your ride short. That’s where travel insurance for cycling could come in—it may help cover medical costs if you’re injured mid-ride, reimburse you for non-refundable expenses if you have to cancel for a covered reason, and assist if your essential biking equipment is stolen or damaged while traveling. Whether you’re pedaling out of state roads or venturing to far-flung trails, World Nomads helps keep your adventure on track with 24/7 non-insurance emergency assistance and coverage for more than 250 sports and activities.

What types of cycling adventures may be covered by World Nomads Travel Insurance?

World Nomads offers benefits for losses relating to:

  • On and off-road biking
  • BMX
  • Snow biking (yes, that’s a thing!)
  • Even unicycling can also be covered!

What travel insurance coverage and non-insurance services are offered by World Nomads for cyclists?

World Nomads Travel Insurance for US residents may cover a range of unexpected problems you could face on and off the road. Plans may include:

  1. Emergency Medical Expenses
    Broken bones or gashes from epic wipeouts

  2. Non-insurance Emergency Assistance
    Available 24/7 to assist in an emergency situation

  3. Baggage & Gear Coverage
    Reimbursement for broken or damaged bicycles

  4. Trip Cancellations
    Reimbursement of pre-paid, unused, non-refundable expenses like flights, tours and accommodations if you’re unexpectedly too sick to go on your cycling trip

NOMADS TIP: Consider the optional ‘Cancel for Any Reason’ benefit for added flexibility and protection for shifting plans. Optional benefits come at an additional cost; CFAR not available in NY.

At World Nomads Travel Insurance, we know your cycling trip is more than just biking from one destination to the next. That’s why our plans include travel insurance and non-insurance services for cyclists and protection for over 250+ other adventure sports and experiences – from camping and rock climbing to zip-lining and snorkeling. Whether you’re flying downhill or taking a trail straight up a mountain, we offer four travel protection plans with different levels of insurance coverage to suit your trip style, budget, and adventure level. Check out our (lengthy) activity list and ensure you pick the plan that covers everything you plan 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 cycling trip?

  • Standard Plan – Best suited for backpackers, budget travelers and families. Includes benefit maximums up to $125,000 in emergency medical expenses and up to $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! Covers over 300 activities and offers the optional ‘Cancel for Any Reason’ benefit for ultimate flexibility.
  • Epic Plan – Checking that big trip off your bucket list? We’re talking multi-day cycling adventures, safaris, cruises… you name it! This plan offers our highest level of coverage for trips that are truly once in a lifetime.
  • Annual Plan – Weekend warriors, digital nomads, world explorers… this plan is for you. Just buy once and stay protected all year.

You can compare plans and maximum benefit amounts when you get a quote. Optional benefits come at an additional cost; CFAR not available in NY.

Get a 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 may not covered by the travel protection plan I buy for my international cycling trip?

While we can offer coverage for many losses relating to biking, there are some things that may not be covered. These include, but are not limited to:

  • Participating in any activity or sport as a professional athlete.
  • Bicycles and other sporting equipment that are damaged while in use due to wear and tear.
  • Search-and-rescue missions.
  • Unattended baggage, sporting equipment or personal items.
  • Cycling while under the influence of alcohol or drugs.

Top safety tips we recommend for your cycling trip

As cyclists ourselves, we have learned that it helps to be prepared. Before you hit the road with your bike, helmet and gear, check out a few of our safety tips for having the best cycling trip ever.

  • Check you have all your paperwork. Make sure you have all your appropriate documents before you leave. This can include things like proof of any required vaccinations, visitor permits if you plan to visit any national parks, and special tourist visas for the countries you’ll be visiting.
  • Be responsible when choosing a cycling destination or activity. Does the cycling tour suit your experience level? Are there any travel or weather alerts for your destination?
  • Wear a helmet and visible clothing. This should be a no-brainer, but it’s still worth mentioning because in many countries around the world, the locals don’t wear helmets when cycling. Another no-brainer is if you’re planning to ride at night, you should use lights and wear high visibility clothing to make sure other riders and vehicles see you.
  • Make sure your bike is set up correctly before you ride. Check the saddle, pedals, handlebars and tire pressure before you set forth on your journey.
  • Save your receipts. Hopefully you will have a perfect trip and won’t need to make a claim. But if you do have a mishap, make sure to save all supporting documentation such as receipts of your purchases.
  • Get bike fit: Be sure you are physically capable of the cycling routes you are planning. Have you got a ‘fit for travel’ thumbs up from your doctor to take on the mountains and specific altitudes? Consider using our non-insurance telehealth service for pre-trip medical support to get travel medicines, like altitude sickness pills, delivered to your door before you leave on your trip.

NOMADS TIP: Using an e-bike for the first time? Give yourself plenty of practice time. These bikes are heavy and can take longer to brake than you are used to. Start off in a low assist mode and then gradually increase as you become more comfortable.

FAQ

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

  • What does travel insurance for cycling cover?
    Travel insurance coverage for cycling trips with World Nomads may help cover emergency medical treatment, evacuation, and repatriation if you’re injured while riding, plus trip cancellation, interruption, and coverage for lost, stolen, or damaged cycling gear checked as luggage. Whether you’re road biking, mountain biking, or embarking on an e-bike tour, plans can be tailored to your style of cycling, with the Explorer plan offering higher coverage for more extreme rides. With 24/7 non-insurance emergency assistance and protection for over 250 activities, World Nomads helps keep your cycling adventure on track even if the unexpected happens.
  • Are cycling competitions or races covered?
    Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation is excluded. This does not include athletes participating in exchange for a scholarship or tuition and does not pertain to amateur races. Always review your plan details to understand any exclusions related to professional sports.

Need destination inspiration?

Planning a holiday on two wheels? The view from a bike is a world apart from the driver’s seat. Cycling offers incredible freedom and opens the door to spontaneous adventures. Discover top cycling destinations and essential travel tips to make your ride unforgettable.

How to Plan for a Cycling Trip

5 Destinations that are Putting Cyclists Ahead of Cars

How to Safely Cycle on New Zealand’s Bike Trails

20250721-4677214. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation.

  • Standard Plan: $2,500
  • Explorer Plan: $10,000
  • Epic Plan: $15,000
  • Annual Plan: $5,000
Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Standard Plan: $125,000
  • Explorer Plan: $150,000
  • Epic Plan: $250,000
  • Annual Plan: $100,000
Emergency Medical Insurance
  • Accidentally injured?
  • Suddenly sick?
  • Need a hospital?

We’ve got your back.

Emergency Evacuation

We'll provide assistance to get you to the hospital or home quickly.

  • Standard Plan: $400,000
  • Explorer Plan: $500,000
  • Epic Plan: $700,000
  • Annual Plan: $100,000
Emergency Evacuation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Protect your gear

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

  • Standard Plan: $1,000
  • Explorer Plan: $2,000
  • Epic Plan: $3,000
  • Annual Plan: $2,000
Protect your gear
  • Stolen I.D.s
  • Checked-in sports equipment
  • Damaged luggage

Help starts here.

The amounts listed represent the maximum benefit amount.

Protect your health

  • 24/7 Emergency Assistance Help Line
  • Emergency Medical & Dental Expenses
  • Emergency Evacuations
  • Bedside Companion Travel
  • Emergency Medications

Protect Your Trip

  • Trip Cancellation
  • Optional Cancel for Any Reason (Explorer or Epic)
  • Trip Delay & Trip Interruption
  • Missed Connection (Explorer or Epic)
  • Rental Car Damage (Explorer, Epic or Annual)

Protect Your Stuff

  • Baggage Delay
  • Passport and Visa Loss
  • Lost or Stolen Bags
  • Personal Tech, Equipment & Gear
  • Baggage Return After Evacuation

Non-Insurance Services

  • Medical & Non-Medical 24/7 Emergency Assistance Line
  • Translators Available
  • Pre-Departure Telehealth Services
  • Portable Health Records
  • Delayed or Lost Baggage Tracking and Delivery
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefits limits may vary depending on the plan chosen. Check the plan documents for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, 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 assistance right now?

Contact 24/7 Emergency Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada

Contact the team