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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

Nothing shouts adventure for Irish travellers than the speed and thrills of mountain biking. But as fun as mountain biking can be 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 Ireland
  • Emergency dental treatment and prescribed physiotherapy treatment overseas
  • Reimbursement 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.

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 overseas. 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 Medical 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 Medical 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: Irish travellers, if you require any medical treatment during your trip while outside of Ireland (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 Medical 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 Section 8 Medical Sections of Cover, Important Information, in your Policy Wording.

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

An upgrade for certain activities and sports may be required and terms and conditions apply for each activity. Check out our activities article 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 may not cover for mountain bike riding 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
  • Any search or rescue operations to remove you from a life-threatening situation
  • Misuse of alcohol or drugs to the extent that it risks your health or impairs your 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

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

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?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest suitable medical facility is?

Don’t stress, we’ll get you there quickly.

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Disruption
  • 24-Hour Medical Assistance Services
  • Baggage
  • 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.

24/7 Emergency Medical Assistance

Whether you need medical assistance or emergency medical 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 Medical Assistance right now?

For policies purchased on or after 27 June 2024:
Phone: +353 4 69 017 022

For policies purchased before 27 June 2024:
+353 (0) 90 640 6460

Get an instant travel insurance quote

Simple and flexible travel insurance designed by travelers, for travelers. See why over 3 million travelers have chosen World Nomads for more than 20 years.