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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

A big part of travelling is getting to do all the activities and sports that you love especially in countries that you’ve always dreamt of exploring. Mountain biking delivers the jumps, speed and thrills that many adventurous Brits are looking for, but 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:

  • Overseas emergency medical treatment
  • Overseas emergency medical transport and repatriation back to the UK
  • Emergency dental treatment and prescribed physiotherapy treatment
  • Reimbursement or replacement of lost, stolen or damaged baggage or personal items (including your passport) up to the benefit limits. Remember to keep copies of your original receipts if you need to make a claim
  • Your checked-in baggage being delayed for more than 24 hours and the replacement costs for essential clothing and toiletries while waiting for your baggage (keep receipts)
  • Costs of cancelling your trip or if you have to return home early due to sudden injury or illness to you, your close relative or travel companion.
  • Rental car damage excess (Explorer Plan only).


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. 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 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 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: British travellers, if you require any medical treatment during your trip while outside of the UK (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 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 the section titled, ‘Health conditions & your policy’ in your Policy Wording.

You can also claim for the non-refundable costs of cancelling your trip if you or your travel companion 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; 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 the UK to recover.

An upgrade for certain activities and sports may be required and terms and conditions apply for each activity. Check your Policy Wording 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 don't cover 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
  • Baggage and personal items stolen from an unattended vehicle (other than a securely locked motor caravan), when left unattended between the hours of 9pm and 9am, local time
  • Any search or rescue operations to remove you from a life-threatening situation (unless covered by natural catastrophe)
  • Misuse of alcohol or drugs to the extent that it risks your health or impairment of 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

Protect your trip from unexpected cancellation.

  • Explorer Plan: £5,000
  • Standard Plan: £3,000
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Abroad Medical Expenses

Take the pain out of medical costs while traveling abroad.

  • Explorer Plan: £10 million
  • Standard Plan: £5 million
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

Expenses included in Emergency Medical limits.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Cover your lost, stolen or damaged gear and tech.

  • Explorer Plan: £2,000
  • Standard Plan: £1,000
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Medical Expenses
  • Baggage & Personal Belongings
  • Cancellation
  • Trip Curtailment
  • Personal Accident
  • Loss of Passport or travel documents
  • Personal Liability
  • Legal Expenses (Personal Liability)
This is a general summary for United Kingdom residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.
Pre-existing medical conditions

World Nomads policies cannot cover claims due to Pre-Existing Medical Conditions (PEMC), regardless of whether the condition is serious or not (this includes if you're on separate or joint policies). You can still purchase a World Nomads policy, but the PEMC exclusion is not removable. 

For travel insurance providers that offer cover on PEMC, visit the Money and Pensions Service (MaPS) Money Helper website, or call 0800 138 7777. BIBA's (The British Insurance Brokers' Association) Find Insurance Service offers information on serious PEMCs and travel insurance providers that may cover these conditions. You can also contact them on 0370 950 1790.

24/7 emergency assistance

If you need medical assistance or emergency medical evacuation 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?

For policies purchased on or after 1 September 2021:
+44 (0) 2030931750 (Call via an operator reverse charges. Not toll free.)

For policies purchased before 1 September 2021:
Phone: +353 21 237 8005 (Call via an operator reverse charges. Not toll free.)
Phone: +61 2 8263 0470 (Call via an operator reverse charges. Not toll free.)

Contact the team

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.