Finding the best cycle touring travel insurance can be daunting. Traditional comparison sites focus on mainstream travel and most people don’t want to spend their free time reading complex policy documents. With so many policies available, it can be hard to tell which provide the right cover for cycle tourers.
At Cover My Adventure, we have a clear methodology to evaluate travel insurance for cycle touring trips. We assess each policy based on the real risks touring cyclists face. Only those meeting all our criteria are featured on our curated list.
What Makes the Best Cycle Touring Travel Insurance?
The best cycle touring insurance must cover more than just medical emergencies. It needs to account for the unique nature of cycle touring including multiple countries, valuable gear and often long trip durations.
As well as standard features such as medical and repatriation cover, we look for policies that cover cycle touring as the main purpose of the trip. Many policies will only cover cycling that is incidental to your trip such as hiring a bike for the day and not the sole purpose. This limitation is often buried in the policy wording and easily missed. If the insurance doesn’t cover cycle touring as the main purpose, we don’t list it.
We also review whether the policy includes personal liability cover. This covers you if you are liable to pay damages due to accidentally injuring someone or causing loss or damage to their property. Many insurers won’t provide personal liability cover when you are cycle touring. At Cover My Adventure, all our listed cycle touring policies include personal liability cover.
Cycle touring trips can range from a few days to over a year. Some insurers state a maximum trip length. Our curated list of cycle touring travel insurance policies covers trips of all lengths.
Cover My Adventure’s Methodology
At Cover My Adventure, we follow a detailed review process which begins with a long list of available policies from major insurers and niche providers alike.
From there, we first focus on whether a policy meets the specialist requirements of a cycle tourer including providing personal liability cover. We drill down into key components such as medical and repatriation cover, cancellation and baggage. Next, we check coverage for different trip durations and regions.
Cycle touring travel insurance and bicycle insurance are two distinct policies and our focus is on cycle touring travel insurance. (Cycling travel insurance is travel insurance which covers you for medical expenses plus personal liability and cancellation cover. Bicycle insurance provides cover for theft or damage to your bicycle). However, we look to see whether the travel insurance policy offers cover for activity equipment such as your bicycle.
We know that price matters to our readers. While we don’t yet offer live quotes, we include indicative prices based on a sample traveller profile and trips.
Only after this comprehensive review do we include policies in our shortlist. You can find our curated list of travel insurance policies covering cycle touring here. Each listing includes a breakdown of policy features, limits and our favourite bits.
We update our reviews regularly and remove policies where necessary. Our goal is to provide readers with accurate, current information.
Why Cover My Adventure?
We don’t just review policies—we’re keen cycle tourers ourselves. We understand the risks of mechanical issues in remote areas, injury far from major hospitals and loss of valuable possessions.
Our mission is to simplify the process of finding adventure travel insurance. We’re also keen to hear your feedback. If you’ve had an experience — good or bad —with cycle touring travel insurance, we’d love to hear about it.
✅ Check out Cover My Adventure’s curated list of cycle touring travel insurance policies here.