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Mountain bike travel insurance

Mountain bike travel insurance is a must-have if mountain biking is the primary purpose of your holiday or trip, especially if you’re taking part in a timed event.

Typical travel insurance excludes anything other than leisure riding. If you’re shredding trails in Morzine, you need specialist mountain bike travel insurance to cover the costs of medical mishaps.

Our MTB holiday insurance covers emergency medical care and repatriation, including emergency mountain rescue and heli-rescue if you are injured riding in the mountains. The policy also has generous cancellation and Covid covers as standard.

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Mountain bike travel insurance

Travel insurance for
mountain biking holidays

If you plan a mountain biking holiday, you must have sufficient travel insurance for cycling.

Pedal Cover travel insurance will cover medical mishaps and emergencies on your cycling holiday, along with essential covers like cancelled trips, lost luggage and holiday money. 

We cover all forms of mountain biking as standard, including downhill and enduro, and essential mountain biking cover, such as emergency mountain rescue, if you are severely injured on a trail.

Please be aware bikes are not covered by our travel insurance. You can find more information on how to cover your bikes here.

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What activities does mountain bike holiday insurance cover?

If you’re riding mountain bikes overseas, particularly if you’re heading to MTB resorts in the Alps or North America, a “high street” travel insurance is almost certainly unsuitable. along with full cover while mountain biking, we also cover:

Cycling disciplines A-L

Included as standard
  • BMX Racing
    (recognised track only)
  • Criterium Racing
  • Cycle Touring / Bike Packing
  • Cyclocross
  • Downhill Mountain Biking (incl. racing)
  • Gravel Riding
  • Leisure Cycling

Cycling disciplines M-T

Included as standard
  • Mountain Biking
    (all mountain, enduro, freeride, slopestyle, speed & style, cross country, four-cross, marathon, pump track, and trail riding)
  • Multi-stage / Ultra Endurance Cycling Events
    (e.g. RAAM/ Haute Route/ Transcontinental)
  • Road Cycling
    (charity events, gran fondo, road racing, sportives, time trials and training holidays)
  • Track Cycling
  • Triathlon / Duathlon / Aquabike
    (half ironman distance, ironman distance, olympic distance, sprint distance and training holidays)

Our mountain bike travel insurance cover explained

Our travel insurance covers everything you’d expect from a premium travel policy and other benefits unique to a mtb travel insurance provider—Below is a summary. Before buying any insurance policy, you should read the policy wording and understand the requirements and limits of cover.

Covering medical mishaps while mountain biking is crucial and is the primary feature of our mtb holiday insurance. It is also frequently missing from standard travel insurance policies. We cover the costs of emergency medical care to £10 million. The cover includes mountain rescue and heli-rescue if you are injured riding in the mountains.

Our travel insurance policies include cover for Covid 19, emergency medical care, and other expenses such as cancellation and curtailment related to COVID 19.

We have a separate section below explaining the cover; click here.

We will cover up to £5,000 for your travel and accommodation costs if you have to cancel your cycling holiday due to unforeseen illness or injury. Unlike standard travel insurance, our cycle holiday insurance also covers you for withdrawing due to an injury that prevents you from cycling on the trip, even if you could fly.

Remember, this policy doesn’t cover your bicycle. For this, you can purchase our bundled home and bike insurance, or we offer a no strings attached rolling monthly cycle insurance.

We cover repatriation for your bike if you have to return home in an emergency. Bike hire if your bike fails to arrive or is stolen, and cover for your race fee if you have to withdraw or the event is cancelled due to bad weather. All these are included as standard on our mtb travel policies.

If you damage somebody’s property or injure another rider while cycling, you could find yourself liable for damages. Every Pedal Cover travel product includes £2 million public liability cover while cycling on a trip, including in races.

Whether you want a one-off policy for a cycling trip or a multi-trip policy for the whole year, we can put together a package to suit you.

Some travel insurance policies include limited cover for cycling. You should check the small print; there are usually severe exclusions, particularly for racing or serious training. We can cover you for a family cycling holiday, training camp, during events such as Mallorca 312 or even downhill mountain biking.

Cancellation, medical expenses and repatriation are all covered as standard for winter activities for up to 17 days a year on our annual package. You get benefits like loss or damage to ski equipment, lost ski passes, avalanche cover or resort closure.

If you injure yourself cycling abroad, our cycle travel insurance will cover mountain rescue and heli-rescue if you are injured riding in the mountains, and if necessary, we’ll cover the costs of repatriating you back to the UK.

We include cover up to £250 for lost or delayed baggage, up to £500 for holiday money, and up to £5,000 for valuables (which includes cycling clothing, helmets and shoes).

We cover cycling gadgets, for example, your Garmin, Wahoo, GoPro or other high-value electrical items. Please read the policy to know you’re getting the right cover for your trip and activities.

Our Mountain bike holiday
insurance at a glance

Our policies have all the covers you’d expect from top-notch travel insurance and cover almost all cycling activities. Remember, this policy doesn’t cover your bicycle. For this, you can purchase our bundled home and bike insurance, or we also offer a no strings attached rolling monthly cycle insurance.

DID YOU KNOW?

GHIC card protection is only valid if you are taken to a state hospital.
Most mountain resorts usually have private hospitals, and state hospitals are rare in most of Spain and Portugal.

Core travel section

Trip Cancellation£5,000
Medical Expenses (incl. heli-rescue if injured riding in the mountains)£10m
Repatriation£10m
Dental Treatment£250
Hospital Benefit£500
Valuables£5,000
Travel Documents£250
Delayed Baggage£250
Personal Money£500
Travel Delay£250
Holiday Abandonment£5,000
Missed Departure£1,000
Loss of Limbs or Sight£20,000
Permanent Disablement£20,000
Death Benefit£10,000
Personal Liability£2m
 

Cycle specific covers

Emergency Cycle Hire£500
Race Fee Cancellation Cover£500
Cycle Breakdown Benefit£200
Cycle Repatriation Benefit£250
Gadget Cover£2,000

Winter sports (annual only)

Ski Equipment£350
Ski Hire£300
Ski Pack£200
Piste Closure£300
Delay due to Avalanche£300

Whatever your needs, we have you covered

mountain bike insurance

Single trip or an annual policy?

It is cheaper to purchase an annual policy if you plan to take a few trips over the course of a year, while still providing coverage for every race, and training camp you attend overseas.

Our annual policies also cover winter sports, so buying an annual travel insurance policy before your summer bike trip could save you the trouble of finding another insurer.

However, if you have ‘standard’ travel insurance for most of the year, but need a top-up for a training camp, then one of our single trip policies might be best.

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Do you need competition cover?

Mountain bikers taking part in races and charity events will need to consider choosing a policy with competition cover. If you have a crash during a competition or are injured, you need coverage for liability and medical costs. Most other travel insurance suppliers exclude competitions, but it’s available with us, we even cover downhill mountain bike races!

We also offer you cover if you have to withdraw from an event, which prevents you from being out of pocket for expensive entry fees.

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mountain bike travel insurance

Welcome to our mountain bike travel FAQ section

We can hopefully answer all your questions related to our travel insurance built for cyclists offered by Allianz. For customers with questions about other policies, you should go to the relevant product page or contact the team.

Mountain bike travel insurance predominately covers your medical expenses when travelling abroad. Amongst over things, it also covers costs if your trip is cancelled.

Mountain bike travel insurance does not, however, protect your bike. If you need cover for your bike, you can purchase our combined home & bike insurance, which bundles home and bicycle insurance under one roof. If you don’t qualify for our home insurance or prefer dedicated cycle insurance, we also offer this as an annual contract or on a no-obligation rolling monthly basis.

Yes, our travel insurance provides coverage for downhill mountain biking, including participation in competitive events, emergency medical care and repatriation.

The policy also covers emergency helicopter evacuation.

Our mountain bike travel insurance covers emergency medical care and repatriation, including emergency mountain rescue and heli-rescue if you are injured riding in the mountains.

Yes, we want you to be able to enjoy the warm weather and beautiful roads during your training camp with confidence, so we’ll pay for your emergency medical costs and return travel if a sickness or accident prevents you from enjoying the trip.

Yes – When buying our travel insurance, be sure to choose Worldwide protection, which includes the USA.

If you don’t have any immediate plans to travel over the Atlantic, look at our European-only coverage, which is more affordable.

No – If you need cover for your bike, you can purchase our home insurance for cyclists, which bundles home contents, buildings cover (if you need it) and bicycle insurance under one roof.

If you don’t qualify for our home insurance or prefer cycle insurance only, we offer this either as an annual contract or on a no-obligation rolling monthly basis.

Yes. Our travel insurance is built to pay for unexpected medical needs. This is true for triathlons of any length and all types of bicycle racing, including mountain biking.

Our mountain bike travel insurance is built to cover repatriation costs due to injuries sustained while on holiday, even when riding or competing on your bicycle. 

If a serious injury prevents you from attending an event that you have entered, we offer entry fee cancellation coverage. Before the incident that prevents you from participating in your race, you must have taken out an insurance policy with us. Additionally, we need documentation of the injury from a licenced medical professional.

On a yearly policy, there is no cap on the number of trips. However, no journey may last longer than 60 days away from the UK.

Our annual multi-trip mountain bike travel insurance policy has a 120-day trip maximum, but you can take as many trips as you like during the year as long as no individual trip exceeds that length.

Our annual cover also includes winter sports coverage as an extra benefit. You can go for a maximum of 17 days per trip for winter sports holidays.

If you are planning an epic touring excursion, we might be able to assist with a personalised insurance policy, but you’ll need to give us a call.

Please remember that once you start travelling, we can’t provide you with extended cover.

No – If you need cover for your bike, you can purchase our home insurance for cyclists, which bundles home contents, buildings cover (if you need it) and bicycle insurance under one roof.

If you don’t qualify for our home insurance or prefer cycle insurance only, we offer this either as an annual contract or on a no-obligation rolling monthly basis.

Our MTB travel insurance covers up to five gadgets with a combined value of £2,000; this will cover any unintentional damage to your belongings while travelling or theft (e.g. from your hotel). The policy includes Garmins and also items like laptops, tablets, and cameras.

Please remember gadgets are not covered for damage while you are cycling. It’s best to look at the policy wording or call us if you are unsure.

We cover lots of of other sports – It is best to look at the policy wording for a complete list. 

Annual policies cover winter sports, so if you enjoy skiing or snowboarding over the winter, you won’t need to purchase an additional policy.

Our policy automatically covers you for one pre-existing medical condition from our list of automatically covered conditions.

If you have two or more conditions from the list below or a condition not on the list, the cover is excluded unless disclosed to the medical screening helpline, and the additional cover is agreed to in writing.

Automatically covered pre-existing medical conditions:

  • Acne
  • ADHD
  • Allergic reaction (anaphylaxis) provided that you have not needed hospital treatment for this in the last two years.
  • Allergic rhinitis
  • Arthritis (the affected person must be able to walk independently at home without using mobility aids)
  • Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than two inhalers and no other medication)
  • Blindness or partial sightedness
  • Carpal tunnel syndrome
  • Cataracts
  • Chickenpox – if wholly resolved
  • Common cold or flu
  • Cuts and abrasions that are not self-inflicted and require no further treatment
  • Cystitis – provided there is no ongoing treatment
  • Deafness
  • Diabetes (which is controlled by diet or tablets only)
  • Diarrhoea and vomiting – if wholly resolved
  • Eczema
  • Enlarged prostate – benign only
  • Essential tremor
  • Glaucoma
  • Gout
  • Haemorrhoids
  • Hay fever
  • Ligament or tendon injury – provided you are not currently being treated
  • Macular degeneration
  • Menopause
  • Migraine – provided there are no ongoing investigations
  • Nasal polyps
  • PMT
  • RSI
  • Sinusitis – provided there is no ongoing treatment
  • Skin or wound infections that have entirely resolved with no current treatment
  • Tinnitus
  • Underactive thyroid (Hypothyroidism)
  • Urticaria
  • Varicose veins in the legs

 

Our travel policy does not cover pre-existing medical conditions as standard. We offer a confidential, independent medical screening service to provide a top-up if you need cover for a pre-existing medical condition. Contact their helpline at + 44(0)1702 427 237.

After answering questions about your medical conditions, the screening service will confirm if they can cover them. They may need to charge a premium, and they will explain any additional requirements, such as an increased excess.

If the helpline can provide the additional coverage and you elect to purchase it, you must first buy our Pedal Cover cycling travel policy. You will supply the helpline with your Pedal Cover policy number. You will pay any premium for the additional cover directly to the screening helpline, not Pedal Cover.

Once the medical conditions are covered, the helpline will give you a screening reference number. The helpline will send a letter confirming cover, cost, and requirements. Please keep this safe as it is required in the event of a claim.

If you purchase our Pedal Cover travel insurance before speaking to the medical screening helpline, and subsequently, they cannot offer a top-up, or you are unhappy with the extra cost quoted, you can cancel your travel insurance with us. We will provide a complete, no-quibble refund within the first 14 days of purchase.

Yes, but the insurance will not provide coverage for any claims directly or indirectly related to the pre-existing medical condition.

Our policy automatically covers you for one pre-existing medical condition from our list of automatically covered conditions. If you have two or more conditions from the list or a condition not on the list, all pre-existing medical conditions will be excluded from cover unless disclosed to the medical screening helpline and additional cover agreed in writing.

Automatically covered pre-existing medical conditions:

  • Acne
  • ADHD
  • Allergic reaction (anaphylaxis) provided that you have not needed hospital treatment for this in the last two years.
  • Allergic rhinitis
  • Arthritis (the affected person must be able to walk independently at home without using mobility aids)
  • Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than two inhalers and no other medication)
  • Blindness or partial sightedness
  • Carpal tunnel syndrome
  • Cataracts
  • Chickenpox – if wholly resolved
  • Common cold or flu
  • Cuts and abrasions that are not self-inflicted and require no further treatment
  • Cystitis – provided there is no ongoing treatment
  • Deafness
  • Diabetes (which is controlled by diet or tablets only)
  • Diarrhoea and vomiting – if completely resolved
  • Eczema
  • Enlarged prostate – benign only
  • Essential tremor
  • Glaucoma
  • Gout
  • Haemorrhoids
  • Hay fever
  • Ligament or tendon injury – provided you are not currently being treated
  • Macular degeneration
  • Menopause
  • Migraine – provided there are no ongoing investigations
  • Nasal polyps
  • PMT
  • RSI
  • Sinusitis – provided there is no ongoing treatment
  • Skin or wound infections that have entirely resolved with no current treatment
  • Tinnitus
  • Underactive thyroid (Hypothyroidism)
  • Urticaria
  • Varicose veins in the legs

 

Yes, all medical emergencies and associated costs will be covered.

Yes, you must have gotten an inoculation or vaccination against Coronavirus as recommended by the World Health Organization or the health authority in your country of residency to be compensated for any expenses incurred from contracting the disease.

The above is true for every contagious disease for which the World Health Organization or your country’s health authority recommends an inoculation or immunisation. Travellers to portions of Sub-Saharan Africa and South America, for example, are advised to get a Yellow Fever vaccine, and you would need to show proof of this vaccination to submit a claim for any expenditures incurred as a result of catching the disease while on vacation.

Yes, as long as you’re all covered by our insurance and all asked to quarantine. To confirm the quarantine order, you must be able to present medical evidence from the treating doctor or the local authority.

If you’ve been diagnosed with Coronavirus and are unable to travel, you’ll be covered as long as your doctor confirms the diagnosis and your inability to travel.

The policy covers cancellation as long as you have documented evidence from your airline that you were denied boarding because you were showing symptoms of a contagious condition.

If you have a valid cancellation claim, the cancellation section will refund you for all non-recoverable fees, including Visas, but only for the length of your cancelled trip.

No, if the UK is put in ‘Lockdown’ once again, there will be no coverage under the insurance for cancellation claims.

No, any charges (accommodation/travel) incurred in the event that the country you are visiting is “locked down” would not be covered.

If you can show medical proof that you have been diagnosed with Coronavirus or have been directly exposed to Coronavirus, you will be compensated for any additional lodging or travel expenditures.

Any essential medical expenses, as well as any additional travel or accommodation charges, are covered under the medical expenses part of the insurance.

All insured persons are covered for quarantine under the medical section, which includes coverage for additional lodging and flights.

The policy will cover you if a close family is diagnosed with Coronavirus and becomes extremely ill, necessitating your presence due to medical reasons. Their doctor will have to sign off on this.

Your insurance will cover the cost of any additional lodging incurred while you are under quarantine based on your unique symptoms or probable COVID-19 exposure, but it will not reimburse any pre-booked lodging fees. If you have any unused pre-booked and paid for excursions that are non-refundable, your insurance will reimburse you less the standard policy excess if you can provide documentary evidence to support the quarantine order from either the government, a public authority in the country you are visiting, or the treating doctor.

If you travel somewhere that is against FCDO guidelines, you will not be covered.

If you bought your single trip travel insurance before the change in FCDO guidelines and have not yet left, your policy will no longer give any coverage. You have the option of deferring your policy’s coverage period or requesting a full refund of your money.

If you bought your single trip policy before the change in FCDO advise and have already left, full policy coverage will apply as long as you follow all UK, local government, or equivalent instructions.

If after looking through the FAQs you can’t find the answer you are looking for you can click our live chat open Mon to Fri from 9 am to 5 pm

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