Travel insurers draw a line between 'cycling' (covered) and 'downhill mountain biking / freeride / bike park riding' (excluded). If you're hitting jump lines in Whistler Bike Park or riding technical trails in the BC interior, your base policy almost certainly treats that as an extreme sport — and the orthopaedic bills that come with it are on you.
Add TuGo's Sports & Activities Coverage at quote time and mountain biking is covered — not excluded.
Clavicle fractures are the classic bike-park injury — often needs surgery and a plate, $12,000–$20,000 for a non-resident.
Even with a helmet, concussions and spinal impacts mean CT scans, observation, and sometimes neurosurgery — costs climb fast.
Squamish, Whistler, and North Shore trails often require helicopter or stretcher evac for leg and spinal injuries — billed to the rider.
Cost figures are illustrative ranges for non-resident care in Canadian hospitals. Actual costs vary by province, facility, and treatment.
Most insurers exclude mountain biking. TuGo doesn't have to. Add the Sports & Activities Coverage at quote time.
Get a Quote See all covered activitiesOne night in a Canadian ICU can top $14,000 — without coverage, that's on you.
Cost reality