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Travel Insurance Coverage for Mountain Biking Adventures

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

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Article at a glance:

  • Mountain biking travel insurance coverage 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, snow biking—plus 250+ other adventure sports.
  • Emergency medical expenses, 24/7 non-insurance emergency assistance, and baggage protection are included in all World Nomads plans.
  • Choose from Standard, Explorer, Epic, or Annual plans to match your biking trip style, budget, and activities.
  • Stay safe with pre-trip health support, 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 US residents. 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. Some plans even let you add optional cancel for any reason coverage. 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 biking adventures can be covered by World Nomads Travel Insurance?

World Nomads offers benefits for losses relating to:

  • On and off-road mountain biking
  • BMX
  • Snow biking (yes, that’s a thing!)
  • Unicycling is also covered!

Mountain Biking travel insurance and non-insurance services: What can be covered?

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

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

  3. Baggage & Gear Coverage
    Damaged or stolen biking gear

  4. Trip Cancellation
    A money-saver if inclement weather throws a wrench into your plans

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 and non-insurance services 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 four travel insurance plans with different levels of insurance coverage to match your trip style, budget, and appetite for adventure. Be sure to check out our (lengthy!) list of covered activities to pick the plan 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 travelers and families. Includes up to $125,000 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! Covers over 300 activities and offers the optional ‘Cancel for Any Reason’ (CFAR) benefit for ultimate flexibility.
  • Epic Plan – Checking that big trip off your bucket list? We’re talking safaris, cruises, luxury resorts… 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 coverage limits 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 be covered when mountain biking?

While we can offer coverage for many losses relating to mountain 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.
  • Biking while under the influence of alcohol or drugs.

Top safety tips we recommend 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. Consider using our non-insurance service telehealth partner for pre-trip medical support to get travel medicines, like altitude sickness pills or malaria medication, delivered to your door before you leave on 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 you don't, your coverage may be void. 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 protection plans are available for mountain bikers?

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

    • Standard Plan – Great for budget-conscious riders.
    • Explorer Plan – Includes more extreme activities with CFAR (Cancel For Any Reason) as an optional addition. Not available to residents of NY and available at an additional cost.
    • Epic Plan – Best for once-in-a-lifetime trips with high maximum amounts.
    • Annual Plan – Ideal for frequent travelers or digital nomads.

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 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 state 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
  • 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.

  • Standard Plan: $125,000
  • 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
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

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.

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