There's something magical about exploring the world on two wheels. Whether you're conquering mountain passes in the French Alps, weaving through ancient villages in Tuscany, or tackling a technical singletrack in Sedona, a cycling adventure offers unparalleled freedom and exhilaration. But what happens when your custom carbon frame gets damaged during the flight

See how Adventure Travel Insurance protects you and your cycling journey, then choose the best plan for you.

Why You Need Travel Insurance for Cycling Trips

Cycling adventures come with their own unique set of challenges and risks. No matter how meticulously you plan, some factors remain beyond your control. A sudden illness might force you to cancel your trip. Airlines might delay your flight or mishandle your precious bike. Or worse, an endo on unfamiliar terrain could leave you injured in a remote location.

Travel insurance can reimburse you when your carefully planned cycling adventure goes off course. If an unforeseen event disrupts your trip—like flight cancellations or damaged equipment—you can get reimbursed for prepaid, non-refundable expenses. Insurance also allows you to reschedule that bucket-list cycling tour if circumstances force you to abandon your original plans.

Pro Tip: Before cycling internationally, check U.S. government travel advisories and updates for safety information about your destination's roads, traffic conditions, and local cycling regulations.

What Does Cycling Trip Insurance Cover?

The right cycling trip travel insurance protects you whether you're bikepacking through Patagonia or joining a guided tour in Vietnam. Remember that coverage and benefits vary based on your chosen plan. Here are some of the ways Detour covers cycling adventurers:

• Trip cancellation or interruption: Cycling trips can be a significant investment when you factor in tours, accommodations, and transportation. Protect yourself if you need to cancel or your trip gets delayed for any of these reasons:

  • Severe weather (flooding and landslides)
  • Route closures or other unforeseen problems
  • Illness or injury before the trip
  • Family emergency requiring cancellation or delay
  • Transportation cancellations or delays

• Emergency medical: Unfamiliar roads, challenging terrain, and traffic hazards can increase your risk of injury. Cycling travel insurance can:

  • Cover emergency medical treatment, hospital stays, and medication
  • Provide evacuation from remote locations and transport to proper medical facilities
  • Cover physical therapy or follow-up care for cycling-related injuries

• Baggage protection: High-end bikes, electronic navigation devices, and cycling gear are significant investments. Travel insurance can reimburse you for:

  • Damaged bikes and equipment during transit
  • Lost or stolen bags, bikes, and gear
  • Delayed equipment delivery that impacts your cycling plans

• Bicycle rental coverage: If your rental bike is stolen or damaged, this coverage helps protect you from expensive replacement costs.

How Adventure Travel Insurance Protects Your Cycling Trip

You looked forward to your Italian biking trip for ages—breathtaking mountain passes, charming villages, and a week of epic rides through some of the world's most stunning landscapes. Three days into your trip, you misjudge a switchback on a steep descent and crash, breaking your collarbone. The nearest hospital is 30 miles away.

Without travel insurance, you're facing thousands of dollars in medical costs, emergency transportation, lost accommodations, and tour fees for the remainder of your trip. But with the right policy, you're covered with medical transport, treatment, and even reimbursement for the unused portion of your tour.