Motorcycle Travel Insurance Worldwide
Introduction: Embarking on the Ultimate Motorcycle Adventure
August brings the annual Sturgis Motorcycle Rally, an electrifying event that lures bike enthusiasts from all corners of the globe to the Black Hills of South Dakota. While Sturgis has earned its reputation as a mecca for motorcycle enthusiasts, it's just one example of the countless travel experiences awaiting those who wish to explore the world on two wheels. As you plan your very own motorcycle tour, it's crucial to consider travel insurance tailored specifically for your thrilling adventure.
Travel Insurance for Your Motorcycle Tour
If you're gearing up for a motorcycle tour, whether it's within the continental U.S. or abroad, your primary concerns are likely trip cancellation, personal injury, and damage or loss of property. While travel insurance can address some of these concerns, it's important to note that coverage may vary depending on your individual circumstances, the specifics of your trip, and the travel insurance plan and provider you choose. Additionally, it's essential to understand that travel insurance may not be available for professional or racing motorcycle activities.
Does Travel Insurance Cover Motorcycle Accidents?
Depending on your policy, travel insurance may offer coverage in the event that you are injured in a motorcycle accident. However, it's important to remember that damage to the motorcycle itself is generally not covered by travel insurance and falls under the responsibility of your regular motorcycle insurance provider. Furthermore, it's crucial for the motorcycle operator to hold the necessary license. Operating a motorcycle illegally may result in a denied claim.
What if I Cancel My Motorcycle Trip?
In the unfortunate event that you have to cancel your motorcycle trip for a covered reason, such as unexpected illness or injury before departure, most package policies will reimburse you for your pre-paid, nonrefundable expenses. This means that deposits made for airfare, securing your spot in a tour group, reserving accommodations, or participating in special activities that require advance payment may be covered. If the tour is canceled by the operator, they should provide a refund for the experience, while a package policy can assist you by reimbursing other nonrefundable expenses incurred during trip preparations.
Will Motorcycle Travel Insurance Cover Injury?
Contrary to what some may believe, motorcycle riding is not generally considered a highly hazardous activity by travel insurance providers. If you have purchased a travel insurance package policy to cover your trip, it may include emergency medical coverage for any injuries you might sustain during your motorcycle tour. Additionally, you may want to consider obtaining an emergency medical evacuation membership, providing flexibility in accessing a hospital of your choice if you are hospitalized more than 150 miles away from home. Peace of mind knowing you have coverage is priceless.
What if My Motorcycle is Damaged on My Trip?
In the unfortunate event that your motorcycle is damaged while on the road, it's unlikely that a travel insurance policy will cover the repairs. Typically, responsibility for such damages falls on the company that insures your motorcycle regularly. It's advised to reach out to your insurance provider to ensure your bike is adequately covered regardless of your location. If you plan to rent a motorcycle abroad, it's crucial to inquire about the coverage offered by the rental agency. In some cases, credit cards may provide limited coverage as well. However, purchasing a third-party travel insurance plan specifically tailored for your motorcycle tour is often the best solution.
Sports and Hazardous Activity Riders
If you opt for a travel medical plan rather than a standard package policy, it's important to discuss adding a sports rider with a Customer Care representative. Travel medical insurance may differ slightly from package policies, and some companies require the purchase of a special rider to cover possible injuries sustained during your trip. Prior preparation can ensure your safety and enjoyment on your motorcycle adventure.
Before making any travel insurance purchases, we highly recommend calling our Customer Care Center at 800-487-4722. Our licensed representatives will provide expert guidance in selecting the most fitting plan to cover your exhilarating tour. Take the leap and embark on the motorcycle journey of your dreams, knowing that you have the protection you need every step of the way.
Last updated on 03/04/2022
