Best Cycling Travel Insurance Plans
Several adventure travel insurance plans can cover cycling. The best plans for cyclists offer protection for sports and activities, plus strong coverage for emergency medical treatments and evacuations.
See a complete breakdown of our best travel insurance plans for cyclists.
What is Cycling Travel Insurance?
Cycling travel insurance is a type of trip protection designed to protect travelers who plan to cycle during a trip, whether that’s road cycling through alpine climbs, mountain biking rugged terrain, or touring on an e‑bike. These policies account for the unique challenges associated with cycling, including injuries from accidents, medical evacuations from remote areas, and even damage to your personal bike.
Some standard travel insurance plans do not cover cycling due to the increased risks of injury and disruptions. However, cycling travel insurance includes specific benefits and coverage limits designed to protect you for the duration of your trip.
Whether you’re joining a guided tour, touring with friends, or exploring on your own, Squaremouth makes it easy to find, compare, and purchase cycling travel insurance from top providers.
What Does Cycling Travel Insurance Cover?
While some standard travel insurance policies exclude high-risk activities, like cycling and mountain biking, travel insurance policies with the Sports & Activities benefit will offer essential protection to cyclists against unexpected injuries, cancellations, delays, and more. Below are the most common situations that cycling travel insurance can cover.
If you’re injured while cycling, whether from a crash or a fall on loose gravel, your policy can cover medical expenses like hospital bills, doctor visits, emergency surgeries, and prescription medications. This coverage is crucial if you’re cycling overseas in a region that does not accept U.S. health insurance.
If you’re injured or need an urgent medical evacuation from a remote location, like an alpine pass or backcountry road, your policy can cover the cost to transport you, via air ambulance or other emergency service, to the nearest adequate medical facility.
Provides reimbursement for up to 100% of your prepaid, non-refundable travel expenses if you need to cancel your cycling trip due to a covered reason, such as an illness, injury, or severe weather that impacts travel and cycling conditions.
If you need to cut your trip short due to an injury, illness, or another covered event, cycling travel insurance can reimburse unused trip expenses and any additional transportation costs to return home early.
If weather conditions, mechanical problems, or other covered reasons delay your flight, your policy may cover meals, accommodations, and local transportation costs while you wait for your new departure time.
If your cycling trip is cancelled, interrupted, or delayed due to severe weather, flooding, wildfires, or other natural disasters that make it unsafe to ride, the Hurricane & Weather benefit can provide coverage.
Most cycling travel insurance plans provide protection specifically for bicycles, cycling shoes, protective eyewear, and other sports equipment that gets damaged, lost, or stolen during your cycling trip.
A 24/7 emergency service offered by your travel insurance company that can help coordinate medical evacuations, refer to local care providers, provide translation services, and more.
To see exact pricing for your trip, try our travel insurance comparison tool. Simply enter your trip details to see all available plans and prices. Start a Quote
How Much Does Cycling Travel Insurance Cost?
Comprehensive cycling travel insurance, which covers trip cancellations, medical emergencies, evacuations, and damaged cycling equipment, costs $27 per day on average.
This is based on adventure-specific travel insurance sales through Squaremouth in the past 12 months. Adventure plans cost an average of $408, with an average trip length of 15 days.
Like other types of comprehensive travel insurance, cycling insurance premiums are based on several factors, such as your age, destination, trip length, and non-refundable travel expenses.
Not all cycling travel insurance policies are comprehensive. Cyclists who have low travel expenses or are not concerned with cancellation coverage can choose travel medical insurance, a less expensive form of coverage that does not cover cancellations, for just $5 per day.
Where Can I Buy Travel Insurance for a Cycling Trip?
There are multiple outlets where you can purchase travel insurance for a cycling trip.
Regardless of what method you choose, we recommend getting at least 2-3 quotes from multiple providers to ensure you’re getting the best value for your money.
Direct from a Provider
Purchasing travel insurance directly from the source can be a great option if you know the exact policy you want for your trip, but it can make it difficult to compare options. Popular providers like Tin Leg and Battleface offer adventure travel insurance plans both on comparison platforms and directly on their sites.
There are also niche providers, like USA Cycling, that offer travel protection designed specifically for cyclists that can exclusively be found through the provider’s website.
Through a Comparison Site
Comparison sites, like Squaremouth, make it easy for cyclists to get multiple quotes at once from the nation’s top travel insurance providers. With Squaremouth, you can easily apply filters and sort results to find the best cycling travel insurance policy within your budget.
Through an Airline or Tour Operator
Many airlines and tour operators now offer the option to add travel protection to your trip when making a booking. While convenient, these plans are often more expensive and less robust than plans purchased through other means. If you choose to purchase a policy directly through an airline or tour operator, be sure to double-check that the plan explicitly covers adventure activities like cycling.
Is Cycling Covered by All Travel Insurance Plans?
No, due to the increased risks that come with cycling, some standard travel insurance policies will not cover expenses relating to cycling accidents, lost gear, and other cycling-related disruptions.
If you plan on cycling at any point during your trip, even if just for a day, it’s important to find a travel insurance policy that offers protection for high-risk adventure sports. These policies can be found by using the Sports & Activities filter on Squaremouth when comparing quotes.
Is Travel Insurance Worth It For Cyclers?
Absolutely. Anytime your trip involves a high-risk sport or activity, it helps to have appropriate coverage. Cycling trips can often involve remote destinations, unpredictable weather, steep alpine climbs, technical descents, and long days in the saddle, all of which can increase the chances of injury, evacuations, and other costly disruptions.
For less than $30 per day, a cycling travel insurance plan can provide valuable peace of mind and financial protection if your trip takes a sudden turn for the worse. The best cycling travel insurance plans are comprehensive and cover everything from your bike breaking down to your flight being delayed.
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Cycling Travel Insurance FAQs
Some travel insurance plans exclude coverage for high-risk adventure sports like cycling and mountain biking. To have your cycling trip covered by travel insurance, you will need to purchase a policy that includes the Sports & Activities benefit, which extends travel protection to a wide range of adventure activities that would otherwise be excluded from coverage.
If your travel insurance policy covers cycling, you can be reimbursed for medical expenses and evacuation costs if you get injured or ill while cycling during a covered trip. This includes everything from a broken bone to dehydration after a steep climb. Cycling travel insurance typically covers hospital stays, doctor visits, emergency transportation services, and prescription medication.
Since U.S. health insurance is not accepted overseas, purchasing a travel insurance policy with strong medical coverage is crucial. Specifically, Squaremouth recommends policies with at least $100,000 in Emergency Medical coverage and $250,000 in Medical Evacuation coverage.
While it’s not often a requirement, travel insurance is strongly recommended if you plan to cycle at any point during your trip. Due to the high costs involved in receiving medical attention abroad, coupled with the increased risk of injury for cyclists, purchasing a policy can save you thousands of dollars in the event of a claim.
Professional sports, organized events, and other forms of competitive racing are not typically covered by travel insurance. With that said, some adventure travel insurance, as well as plans designed specifically for competitive cyclists, may include coverage for these activities. Specific coverage information can be found within a policy’s Certificate of Insurance.
Coverage for cycling typically varies by policy. Casual riding, such as renting a bike for a few hours while on vacation, is often covered by standard travel insurance plans. However, more strenuous activities, like bike touring, mountain biking, gravel riding, and riding e-bikes, often require specialized coverage.
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