Travel Insurance for Motorcycle Trips
There’s nothing like hitting the open road on two wheels – carving through the Alps, riding the Mae Hong Son Loop in Thailand, or exploring the dusty trails of Arizona. But with adventure comes risk, and that’s where motorcycle travel insurance keeps your trip rolling smoothly.
There are policy options tailored to all types of motorbike travel. Some offer the flexibility to cancel your trip for any reason (CFAR), while others include enhanced protection for adventure sports. The best part? You can compare motorcycle trip insurance plans online to find the coverage that matches your destination, budget, and riding style.
What is motorcycle travel insurance?
Motorcycle travel insurance is designed specifically for travelers exploring the world on two wheels. Unlike standard travel policies, this coverage includes risks unique to motorbike touring – like riding-related injuries, gear loss, and emergency evacuation.
If you’re planning to ride abroad, especially in destinations like Mexico, Thailand, or Australia, motorcycle trip insurance is essential. It helps ensure that an unexpected detour – be it medical – doesn’t bring your trip to a sudden stop.
What does travel insurance for motorcycle trips cover?
While every plan is different, most motorcycle travel insurance policies are built to cover the essentials of riding-focused travel. Common coverage includes:
- Trip cancellation or interruption due to illness or weather
- Emergency medical expenses, including treatment for accidents or injuries
- Medical evacuation and repatriation
- Lost, stolen, or delayed baggage, including your riding gear
- Trip delay or missed connections
- Search and rescue services, especially for off-road or rural routes
For those planning dirt bike or high-adventure motorcycle riding, additional protection may be needed – especially for emergency services in remote terrain.
Does travel insurance cover motorcycle accidents?
Yes – when you choose a plan that includes motorcycle or adventure sports coverage, accidents while riding are typically included. This is especially important if you’re riding internationally, where your regular health insurance may not apply.
Some policies offer robust protection for injuries such as fractures, road rash, or concussions. To be covered, insurers may require that you wear proper safety gear and legally allow you to ride in the country you’re visiting.
Do I need motorcycle travel insurance?
If you’re planning a motorcycle tour abroad – or even domestically – travel insurance with motorcycle cover is strongly recommended. Riding without proper protection can leave you exposed to high medical bills, costly trip interruptions, or the loss of expensive riding equipment.
It’s especially important if:
- You’re traveling internationally
- You’re carrying nonrefundable trip costs
- Your regular insurance doesn’t cover motorbike activities abroad
Adventure motorcycle travel insurance helps safeguard your ride, so you can focus on the road ahead – not what could go wrong.
How much does travel insurance for motorcycle riding cost?
Motorbike travel insurance typically costs between 4% to 10% of your total trip expenses. Several factors affect the price, including:
- Your age
- Trip length and destination
- Total prepaid, nonrefundable costs
- Coverage level and add-ons (like CFAR)
For example, say you’re planning a 10-day motorcycle tour through Europe with $4,000 in prepaid costs (flights, accommodations, bike rental, etc.). A travel insurance policy might cost between $160 and $400, depending on your coverage.
SOVENTURE makes it easy to compare travel insurance for motorcycle trips online, so you can find the best fit at the best price.
When should I buy motorcycle touring insurance?
The best time to purchase motorcycle trip insurance is soon after you make your first deposit – typically within 14–21 days. Buying early gives you access to valuable benefits, such as:
- Pre-existing condition waivers
- Cancel for Any Reason (CFAR) eligibility
- Trip cancellation protection from the start
This is especially important if your trip includes expensive, nonrefundable components like international flights, guided motorcycle tours, or custom equipment rentals.
What is the best motorcycle trip insurance?
The best motorcycle travel insurance depends on your unique journey. Your plan should reflect your riding style, destination, risk level, and budget.
Key features to consider include:
- High medical and evacuation limits
- Strong coverage for motorcycle accidents
- Protection for gear and trip cancellation
- Flexibility with CFAR options
At SOVENTURE, we make it easy to compare motorcycle trip insurance plans side-by-side.
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.
