Travel Insurance for Mountain Biking
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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Check what’s covered before you head up the mountain
Nothing shouts adventure for Irish travellers than the speed and thrills of mountain biking. But as fun as mountain biking can be it can also lead to nasty cuts, bruises and injuries. That’s why travel insurance comes in handy when your mountain bike ride doesn’t go to plan.
What’s covered for mountain biking?Our plans can help you navigate any unexpected mishaps and help get you back on track. World Nomads may offer cover (up to the policy limits) for:
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Two travel insurance plans to suit your sport and activity needs
Unfortunately we can’t help with that punctured tyre but if you’ve seriously hurt yourself World Nomads Travel Insurance Standard and Explorer plans can offer coverage for unforeseen medical costs on your next mountain biking adventure overseas. Both our plans offer optional upgrades so if you plan on taking lifts for some gripping descents, you must upgrade to the activity level that suits your needs at the time you purchase your policy.
What do you do if something happens to you?
We understand that unexpected accidents and illnesses may strike at any moment, that’s why the World Nomads 24/7 Emergency Medical Assistance team is here to help you navigate any issues you may have if you end up in hospital. If you’re admitted to hospital, you (or someone else) must notify our 24/7 Emergency Medical Assistance team as soon as reasonably possible. Your medical expenses can be paid directly to the hospital, where possible, once cover is confirmed. For more information on what to do if you need emergency assistance while overseas check out our Overseas Medical Treatment and Hospitalisation Help Centre article.
Travel insurance tip: Irish travellers, if you require any medical treatment during your trip while outside of Ireland (and as soon as your medically able to do so) you’ll need to contact your private medical insurance (PMI) provider (if applicable) and follow their emergency medical procedures and claims procedures. Where your PMI provider cannot provide assistance, get in touch with our 24-hour Emergency Medical Assistance Team as soon as reasonably possible before incurring medical costs, and also please provide us with details of your PMI provider to help us coordinate your care. For more information on what to do please refer to Section 8 Medical Sections of Cover, Important Information, in your Policy Wording.
You can also claim for your non-refundable costs of cancelling your trip if you or your travel buddy suddenly gets sick or hurt before you go on your trip. We also offer cover if you’re left empty-handed when the airline loses your baggage; or if a storm affects your connecting flight and puts the brakes on your travel plans (Explorer Plan only).
Why buy travel insurance when you’re going mountain biking?
Having travel insurance can help take some of the stress out if you end up in hospital with unexpected medical costs from a broken leg to some bangs and scrapes. Importantly travel insurance offers coverage for those ‘worst possible case’ scenarios when you need to be repatriated to Ireland to recover.
An upgrade for certain activities and sports may be required and terms and conditions apply for each activity. Check out our activities article for details or contact us if you have questions.
World Nomads plans offer cover for many mountain bike destinations:
- Les Gets, France where the lower Alps make for perfect mountain biking trails
- Spain’s southern Andalucía region for riding in the sun
- The downhill, cross-country and single tracks of Whistler Canada
- Desert riding around Colorado and New Mexico
What’s not covered?
Some things we may not cover for mountain bike riding include:
- Pre-existing medical conditions
- Theft, loss and damage to bikes and their related accessories
- Participating in racing events
- Personal liability while bike riding
- Leaving baggage, personal items or any mountain biking gear unattended
- Any search or rescue operations to remove you from a life-threatening situation
- Misuse of alcohol or drugs to the extent that it risks your health or impairs your faculties
- Damage from any illegal activity.
For more information, go to our Help Desk mountain biking article.
This is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the Policy Wording for complete details of cover and exclusions. If you are unsure of your level of travel cover, please contact us for help.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the teamTravel Insurance for Mountain Biking
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.
- As featured in:
As featured in:
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.
- Should I consider travel insurance when mountain bike riding?
- What’s actually covered when you go mountain biking
- What’s not covered when mountain biking?
- World Nomad’s handy tips for your mountain bike adventures
- Need some inspo for your next mountain biking adventure?
- Frequently asked questions
Should I consider travel insurance when mountain bike riding?
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.
What’s actually covered when you go mountain biking?
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:
If you’re injured or have an accident whilst biking
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:
- Hospitalisation
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Prescribed medicines
- Ambulances
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.
If you need to be evacuated or repatriated
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.
Emergency Medical Assistance Team available 24/7
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.
Cancellation of your ride
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.
What’s not covered when mountain biking?
While we can offer coverage for mountain biking, there are also things we just won’t cover. These include, but are not limited to:
- No matter how safe you are, we won’t cover any mountain biking on the infamous Death Road – otherwise known as Yungas Road in Bolivia.
- Riding at altitudes over 6,000 metres
- Participation in a sport or activity not listed as covered in the policy wording or agreed by World Nomads, or where you haven’t paid the required additional premium.
- Working or participating professionally in any activity or sport.
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
- Any pre-existing medical condition.
World Nomad’s handy tips for your mountain bike adventures
- Make sure your bike is set up correctly before you ride – check the saddle, pedals, handlebars, brakes, suspension, and tyre pressure.
- Put your safety first: only go riding with professional, qualified, licensed and reputable operators. If you don’t, your cover may be void. If something doesn’t feel right, then don’t go.
- Keep your body loose and springy and be prepared to stand up on the bike – doing this moves you with the bike and can help you avoid injury and accidents.
- Study the trail map and understand the route before you start. Use GPS or a reliable app to keep track of your location, especially in remote areas.
- Bring enough water and high-energy snacks to keep you hydrated and energised throughout your ride.
Need some inspo for your next mountain biking adventure?
Check out our handy guides and insider travel tips on the best places to go mountain biking:
- The best mountain biking tracks around Nepal
- A guide to mountain biking in New Zealand
- 4 of the best places for mountain biking in the US
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.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the teamFAQ
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.
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Can I get travel insurance if I’ve already started travelling?
Yes! With World Nomads, you can purchase travel insurance after you’ve left UK. Keep in mind though, there is a 72-hour waiting period before cover is activated.
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Can I upgrade my travel insurance to include high-risk mountain bike riding
Here’s the deal: general off-road/cross-country mountain bike riding is covered under both our Standard and Explorer plan. However, if you intend to up the anti with some gnarly downhill trails, you’ll need to select add this activity from the beginning, and pay the additional premium, because you can’t upgrade once you’ve purchased.
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Does World Nomads travel insurance cover competitive mountain biking events?
No, World Nomads doesn’t cover competitive (or professional) mountain biking events.
Travel Insurance for Flexcations
Protect your flexcation by adding travel insurance to your remote work and study trips.
- As featured in:
As featured in:
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.
It's never been easier to unplug and take off, now that you can work and study remotely – assuming there's good Wi-Fi.
But travel glitches can arrive in all shapes and sizes, even with the most meticulous planning. Although it's great to hope for the best, it may be wiser to plan your moves with travel insurance*.
What is a flexcation?
Because of flexible work and school schedules, more travelers are opting to take 'flexcations', extended stays away from home that are mixture of leisure and work (digital nomads), or going to school remotely, either domestically or abroad.
Do I need travel insurance for flexcations?
If you’re planting yourself in a different place while working and playing, there are a few questions to ask yourself when you’re shopping around for a travel insurance plan. How long am I staying? What kind of medical coverage do I need? Am I taking along personal belongings that I can’t stand to lose? Is my entire family covered? How much am I spending on pre-paid deposits?
There's a lot to consider when buying travel insurance and specifically for the needs of flexcations. Here are a number of ways that travel insurance can help on a trip that combines business and pleasure.
What's covered for flexcations?
Whether you're seeking a quiet haven or an outdoor adventure, World Nomads has ways to support you:
- Our Single trip and annual travel insurance plans all include coverage for 250+ adventures and activities and include benefits like trip cancellation, trip interruption and trip delay coverage.
- Our Epic and Explorer plans offer the optional ‘cancel for any reason’ benefit, if you purchase during the time-sensitive period.
- Repair or replacement of personal-use electronics, including mobile phones, laptops, and tablets. If lost or stolen, be sure to file a police report and keep a copy for your claim.
- Emergency medical coverage for sudden sickness or injury.
- Long-term coverage up to 180 days for a single trip plan. With an Annual Plan, you’ll be covered for 12 months but with a maximum trip length of up to 45 days.
When you get a quote, you can compare the plans side-by-side and determine which one might be right for you.
What's not covered for flexcations?
Travel insurance isn't designed to cover everything. These are some things that don't fall under the scope of your plan:
- 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.
- Any electronics or other equipment that you use for professional purposes.
- A sudden loss of your job that has left you unemployed and unable to work remotely after all.
- Any items lost, stolen or damaged that were unsupervised or unattended.
- Certain items such as cash, credit cards and sports equipment damaged while in use.
- Any costs related to illegal activities or being under the influence of drugs or alcohol.
- A non-emergency treatment or surgery, such as routine physical examinations (it's not regular health insurance; it’s for medical emergencies).
- Pregnancy and childbirth (except for complications of pregnancy).
Staying for an extended period of time or moving to a country as an expat? Consider whether you need a travel health insurance as opposed to a travel insurance plan. To read more about the differences, go to our page on travel health insurance.
To read more about ‘Digital Nomad’ travel insurance see our Travel for Digital Nomads article.
*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.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the team
