For lovers of cycling, traveling through a city or a whole region on two wheels can be an eye-opening experience. It can help you get in shape, it’s the environmentally-friendly option, and you get to make as many pit stops to rest and explore as you want.
But with all the positives of cycling, there’s also the chance that you could get caught up in an accident and end up with a sprained ankle, a broken arm, or even worse end up in hospital due to a major accident. That’s why you should consider travel insurance if you need to cover your tracks.
How you may benefit from World Nomads travel insurance cover
When choosing World Nomads products, you’ll have access to two simple and flexible plans – Standard and Explorer. We offer cover (up to the policy limits) for:
Baggage protection: had your stuff stolen while cycling? Our gear coverage may help with replacing belongings that were swiped.
Emergency overseas medical: cycling through the Alps and taking in the fresh air can be great for the body and the mind, but not if it ends up in a bad injury. Emergency medical coverage will come in handy in the case of an accident, illness or injury.
Evacuation: your cycling route may be far away from medical facilities. With our cover, you can get transported to the medical facility best for your care, subject to approval from the 24/7 Emergency Assistance Team. Note, there is no cover for search and rescue expenses.
Trip cancellation: has a sick or injured traveling companion put a stop to your cycling trip in New Zealand? Depending on your plan you may be able to recover your unused, prepaid travel expenses.
24-hour emergency assistance: if you find yourself in need of urgent medical help, it’s not always easy to find help. World Nomads provides 24-hour Emergency Assistance. Our staff can assist you all the way from needing directions to a medical facility, helping with multi-lingual services, to urgent medical evacuation if you’ve suffered an injury or fall ill.
Coverage for some Coronavirus (COVID-19) related events: to find out more, including benefit limits and exclusions, read our What's covered for Coronavirus article
What’s covered for cycling?
Under both of World Nomads plans – Standard and Explorer – you may be automatically covered under the Standard Plan, or you’ll need to upgrade to the Explorer Plan depending on the type of cycling activity you’re doing. Depending on your country of residence and the plan you’ve selected, you could be covered for the following cycling activities:
Cycling (incidental to the trip): automatically covered - level 1 activity
Cycling (on an organised tour): automatically covered - Level 1 activity
Cycling (independent cycle touring): upgrade to Explorer plan - level 2 activity
Cycling (up to 4,500 meters – all styles including touring and organised tours): automatically covered - Level 1 activity. Policy excludes Yungas Road/Death Road. Special Exclusion (v)
Cycling (up to 6,000 meters – all styles including touring and organised tours): upgrade to Explorer plan - level 2 activity. Policy excludes Yungas Road/Death Road. Special Exclusion (v)
Cycling over 6,000 metres in elevation: Not covered.
Note: all our plans are different and may require an upgrade to include cycling at certain altitude. In some instances, you must be with a professional, qualified and licensed cycling guide, instructor or operator. Terms and conditions, limits and exclusions, apply. Read your policy wording carefully to choose the right plan and cycling option for your trip.
For more information on cycling and mountain biking coverage check out our Help Centre article, ‘Am I covered if I'm cycling or mountain biking?’in the Help Centre which explains what you need to know to be adequately covered. Choose your country of residence and you’ll access the most up to date information.
Know where you’re going and what to do if the unexpected happens
Before you hit the road with your bike, helmet and gear, it pays to arm yourself with these cycling tips for a safer trip:
Include all countries you’re visiting or traveling through on your policy: as well as all the adventure activities you’re planning to do or participate in. With World Nomads you’ll have a choice of more than 200 activities, sports and experiences to choose from.
Check you have all your paperwork: you’ll need to have all the appropriate paperwork, these may include 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 your planning suit your experience level? Are there any travel or weather alerts for your destination? Have you got a ‘fit for travel’ thumbs up from your doctor to take on the mountains and specific altitudes? Do you need to use an accredited tour provider or operator? Can our 24/7 Emergency Assistance Team reach you if you get into trouble?
Wear a helmet and visible clothing: this should be a no brainer, but it’s still worth mentioning, as 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 have high vis clothing on yourself, your bike, or both to make sure other riders and vehicles see you.
Proof of purchase: remember that any claim you make will need supporting documentation such as receipts of your purchases. Keep these with you in printed or digital form if you intend to make a claim.
Travel insurance tip: World Nomads provides travel insurance for more than 200 activities, sports and experiences. While this list might seem exhaustive, it doesn’t cover everything. That’s why you shouldn’t take for granted that your preferred activities will be covered. You can’t upgrade your level of cover mid-way through your holiday, so do consider this wisely.
Damage to any sporting equipment while in use; loss, damage or theft of any sporting equipment left unattended. Please note that depending on your country of residence and the plan you’ve selected you may not be covered for bicycles and bicycle accessories.
Any pre-existing medical condition(s) as explained in the policy wording
Expenses that can be recovered from another source, e.g., transport carriers or accommodation providers
Unattended baggage or personal items
Participating or training in activity or sport at a professional level
Any search or rescue operations as explained in the policy wording
Misuse or being under the influence of alcohol or drugs.
Fraudulent or criminal acts.
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.
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 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?
Wherever you are, we’re here 24/7 to help you in any emergency.
Aurelie Menard, Emergency Assistance, World Nomads
Travel Insurance Benefits: how we can take care of you*
Been working hard for your trip?
We'll work hard to protect it.
Travel buddy unfit to travel?
Been made redundant?
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?
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?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
Airline lost your gear?
Help starts here.
Emergency Overseas Medical & Dental Expenses
Emergency Medical Evacuation & Repatriation
Trip Cancellation or Interruption
24-Hour Assistance Services
And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.
Travel insurance. Simple & flexible.
Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.
Before your trip, check to see if there are current travel alerts for your destination – you can also check travel advice and restrictions for your destination(s) as these may impact cover, or your ability to travel.
Gaza−Israel conflict: For travellers in, or planning on travelling to, Israel or the Palestinian Territories, please see our travel alert with more information.