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Mountain biking travel insurance: Your mountain biking adventure awaits you

Cycling tours explore everywhere from Italy’s wine country to national parks in the United States.

But what if you want to get your blood pumping with a trip off the beaten path?

When planning a mountain biking trip, it’s important that you have the right travel insurance policy in place — one that covers adventure sports including mountain biking. Here’s what you need to know about mountain biking insurance, for both domestic and international travel.

What does mountain biking insurance cover?

With a comprehensive travel insurance policy that includes coverage for mountain biking adventures, you’ll be able to pedal with peace of mind. 

Here’s what a mountain biking travel insurance policy typically covers:

  • Sports equipment coverage: If your bike (or other gear) is damaged, lost, or delayed, your insurance policy may reimburse you up to a specific dollar amount as outlined in your policy.
  • Travel medical insurance: Mountain biking isn’t without risk, and if you’re traveling internationally, your everyday health insurance may not cover medical expenses for accidents, injuries and illness during your trip. When shopping for travel insurance, look for a policy offering emergency medical care that includes mountain biking as a covered activity. Depending on your trip, you might want to think about medical evacuation in case of serious injury in a remote location.
  • Unexpected events or delays: Despite your best efforts, plans don’t always go off without a hitch. Mountain biking means managing weather, but what happens if your trip gets delayed due to weather at home while the sun shines at your destination?

What’s not covered

Most adventure sports packages don’t include coverage for professional or competitive mountain biking.  

Check your policy for rules on safety gear and follow them. Feeling the wind in your hair is fantastic, but most policies require wearing a helmet. 

For lost, damaged, or delayed gear, it’s important to document everything as much as you can. Before your trip, take photos of your equipment. That way, you can prove that you didn’t pay extra to bring a bike with a warped frame all the way to Norway!

The battleface Adventure Sports plan

With battleface, coverage can start even before you and your wheels go wheels up, with options that can help if your trip is canceled,  delayed, or interrupted for a covered reason. And, no matter what happens, you’ll also enjoy 24/7 travel assistance, whether you’re a few states away or halfway across the world.

Top mountain biking destinations

Canada

With its dramatic landscapes and expansive unspoiled wilderness, it’s no wonder Canada is a top mountain biking destination. British Columbia is the undisputed hotspot, with world-famous trails in Whistler, Kamloops, and on Vancouver Island.

Italy

Italy is a popular mountain biking destination, thanks to its varied scenic terrain. You can wind your way through limestone seaside cliffs in Sardinia, cycle in the shadow of the Dolomites, or pedal past World War I monuments on MTB trails in the Trentino-South Tyrol region.

United States

Some of the world’s greatest mountain biking destinations may be in your own backyard. Traverse the desert landscapes of Utah and Arizona, challenge yourself to some high-altitude biking in Colorado, or explore Vermont’s forested tracks.

Norway

Especially during the famously long summer days, mountain bikers from all over the world flock to Norway for challenging biking, complemented by incredible mountain views. Discover single-track courses or bike down off-season ski slopes.

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FOR RESIDENTS OF ALL STATES OTHER THAN THOSE LISTED BELOW: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

ALASKA: A person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

CALIFORNIA: For your protection California law requires the following to appear on this form: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

COLORADO:  It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

FLORIDA:  Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

IDAHO: Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KANSAS: A “fraudulent insurance act” means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto.

KENTUCKY: 

Application: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

Claim Form: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND:  Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA:  A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud, or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY:

Application: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

Claim Form: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

NEW MEXICO: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: IMPORTANT NOTE: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefit.

TEXAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. 

WASHINGTON: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

NEW YORK*:  Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.