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Travel Insurance for Cycling and E-Biking

Take life by the handlebars and check out World Nomads travel insurance plans when cycling on your next adventure.

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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 environmentally friendly, and you get to make as many pit stops to rest and explore as you want. E-biking has added an extra level of awesomeness to the cycling scene, opening it up to travelers of all abilities.

But with all the positives of cycling, there’s also 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 due to a major accident. That’s why you should consider travel insurance if you need to “cover your tracks”.

What’s covered with travel insurance for cycling?

Are you hoping to enjoy some “me time” and do 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 and Gear: If you checked your bike in with a common carrier, and it is delayed by more than 12 hours on the way to your destination, you may be eligible for reimbursement of a rental bike to continue your journey. If your bike is permanently lost or damaged by the airline or ground carrier, travel insurance could help you get reimbursement to replace it. Review your policy to get information on maximum limits and depreciation. 
  • Emergency Medical Coverage: 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 could help reimburse you for expenses 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 World Nomads 24/7 Emergency Assistance Team could 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, and you need to cancel or interrupt your trip, you may be able to recover your unused, prepaid, non-refundable travel expenses. 

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 200 activities for US residents– you can have coverage for activities like deep sea fishing, pickleball, and snowshoeing. When you get a quote, you can easily compare our Standard and Explorer travel insurance plans side by side. The Explorer plan has higher limits and sub-limits of coverage, and also includes more activities such as tandem skydiving and cave diving to 165 feet.  

Check out both options, because only you can decide the best travel insurance for your needs. If you aren’t sure if something is covered, contact our customer service team and they can help explain what each policy includes. 

What's not covered with travel insurance?

Travel insurance can assist with a lot, but there are some things it doesn’t cover. Cycling on Yungas Road in Bolivia is one of those things. It has earned the title of “Death Road” for a reason, so we don’t advise you to take on that adventure, and we won’t offer coverage if you do. Some other things that are not covered include:

  • Bicycles or e-bikes damaged while in use
  • Any pre-existing medical condition(s) as explained in the policy wording
  • Cycling at a professional level
  • 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 of your appropriate documents before you leave for your trip. 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? Have you got a ‘fit for travel’ thumbs up from your doctor to take on the mountains and specific altitudes?
  • 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 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. 

This is not a full list of what is and isn’t covered, so please check your policy for a full list of terms, conditions, limitations and exclusions that may apply to your 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. If you have any questions about what is and is not covered, please reach out – we’re happy to help.

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.
    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.
    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.
    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.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
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.

  • Explorer Plan: $100,000
  • Standard 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.

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
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.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Luggage lost?
  • Airline lost your gear?
  • Tech trashed?

Help starts here.

  • Emergency Accident & Sickness Medical Expense
  • Repatriation of Remains
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Rental Car Damage – where permissible
  • Accidental Death & Dismemberment
  • Generali Global Assistance 24-Hour Assistance Services
  • Generali Global Assistance Non-Medical Emergency Transportation Services
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents 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.

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