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Travel Insurance for Cycling

Protect yourself on two wheels with bundled travel insurance for cycling trips.

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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below. 

Traveling through a city or region on two wheels can be an eye-opening experience. You see far more than you would in a car. Cycling has other great benefits too – it gets you in shape, it’s environmentally friendly, and you get to make as many stops as you like. Now with e-biking, cycling has opened up for travelers of all abilities.

But with all the positives of cycling, there’s the chance that you could suffer an accident and end up with a sprained ankle, a broken arm, or even worse, end up in the hospital. That’s why it pays to consider travel insurance*.

What’s covered with travel insurance for cycling?

Are you hoping to enjoy solo time with some independent touring on your bike? Or are you wanting to make new friends and join an organized cycling tour? Either way, travel insurance could help with several aspects of your trip. For US residents, World Nomads may offer coverage for:

  • Baggage Protection: All plans include the non-insurance service Blue Ribbon Baggage, which will track and expedite the return of your airline baggage if it is lost or delayed (this includes bicycles that have been checked in as luggage). If someone swipes your backpack out from under you once you arrive, you could get reimbursed for its current value (which factors in depreciation) or the cost of a replacement, up to a per item and total maximum limit. (Please note we do not offer coverage for your bicycle, unless it is checked in with a common carrier).
  • Emergency Medical Coverage: Cycling through the Alps and taking in the fresh air can be great for the body and mind, but not if it ends up in a bad injury. Emergency medical expense coverage may help reimburse you for things like an ambulance transfer, medication, or a hospital stay. If you get hurt, your health insurance may not always cover you when you are traveling to destinations outside of your network or plan. 
  • Evacuation: Your cycling route may be far away from medical facilities. If you take the road less traveled and get hurt, the 24/7 Emergency Assistance Team may help get you transported to a place that offers the level of care you need.  
  • Trip Cancellation Insurance: If something unexpected happens like an illness or injury, or you’re delayed or interrupted due to adverse weather conditions, you may be able to recover your unused, prepaid, non-refundable travel expenses through our trip cancellation,  trip interruption and trip delay benefits.

Does travel insurance cover other adventure activities I might participate in during my trip?

Cycling may be the main reason for your trip but think about all of the other fun things that you might be doing as well. Are you planning to take part in even more sports and adventures during your travels? 

World Nomads offers adventure travel insurance that covers more than 250 activities for US residents, including mountain biking, deep sea fishing and pickleball.

We offer four plans – Standard, Explorer, Epic and Annual – each with different levels of coverage. When you get a quote, you can compare the plans, which offer coverage up to 180 days per trip. And if you plan to take numerous trips during the year, the Annual Travel Insurance Plan could be best for you. It has a maximum trip length of 45 days.

Terms, conditions, limits, and exclusions apply. Read the insurance plan documents carefully to choose the right plan for your cycling trip. If you have any questions, just ask us. 

What's not covered with travel insurance?

Travel insurance can assist with a lot, but there are some things it doesn’t cover.

  • Bicycles or e-bikes (unless they are considered checked luggage by a common carrier).
  • Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period were medically able to travel at the time of purchase.  
  • Cycling at a professional level or taking part in a competition.
  • Injuries that happen if you are cycling under the influence of alcohol or drugs.
  • Cycling within 100 miles of your home.

Tips for preparing 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 personal 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 service partner Runway Health for pre-trip medical support to get travel medicines, like altitude sickness pills, delivered to your door before you leave on your trip. 
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described.  Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.

True Claims Stories

  • Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
    L.D.
    U.S. resident in Spain
  • I recently had a serious injury traveling on my own & the team was amazing. Being confused with a brain injury they took care of everything. Claiming was no problem, they were on the phone constantly to see if all was OK. I can't recommend them enough. Absolutely fantastic & l will always travel with World Nomads Insurance. Thanks guys for getting me home safely.
    A.B.
    Australian in Thailand
  • I was bitten by a monkey at the Batu Caves in Kuala Lumpur. I went to a nearby clinic and they gave me a rabies shot, antibiotics to take for 4 days, pain medicine, and anti-inflammatory medicine.
    T.R.
    Canadian in Malaysia

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 Generali Global Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada

Contact the team

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
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Been made redundant?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Standard Plan: $125,500
  • Explorer Plan: $150,000
  • Epic Plan: $250,000
  • Annual Plan: $100,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

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
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

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
  • Luggage lost?
  • Airline lost your gear?
  • Tech trashed?

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
  • Runway Health
  • FootprintID
  • Blue Ribbon Bags
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.