Does bike insurance cover medical expenses from a cycling accident?

No. BikeInsure covers damage to the bicycle or e-bike — not rider injuries or medical expenses. Medical costs from a cycling accident are typically handled by health insurance, not bicycle equipment insurance.

For injury coverage, cyclists typically look to USA Cycling 365, an on-the-bike injury secondary medical insurance policy designed to help cover out-of-pocket medical expenses beyond the scope of their health insurance or a personal accident policy.

‍