International & Off-Road Coverage
Extends protection beyond the U.S. and beyond the pavement — Mexican liability policies, Canada coverage, and off-road extensions for trail, dirt, and unmaintained roads.
What's Covered
Included in this coverage
- Mexican liability policies required by law to ride in Mexico
- Canada coverage, including endorsements and proof-of-insurance cards
- Guidance for Central/South America and international expeditions
- Off-road extensions for gravel, dirt, and fire roads
- Coverage on forest service routes and unmaintained surfaces
- Policy structuring matched to your specific destinations and terrain
The adventure riding community doesn't stop at the border or the end of the pavement, and your coverage shouldn't either. Riding into Mexico legally requires a separate Mexican liability policy — your U.S. policy does not satisfy Mexican law, and riding without proper Mexican liability can mean serious legal trouble in the event of an accident. We arrange the Mexican liability coverage you're required to carry so border crossings into Baja or the mainland are done right.
Canada works differently. Many U.S. carriers extend your existing coverage automatically for trips into Canada, while others require an endorsement or a proof-of-insurance card. For destinations farther afield — Central and South America, expedition shipping, or organized tours — coverage gets more specialized and often involves dedicated international or travel policies. We help you sort out exactly what's needed for where you're headed before you leave.
Off-road is the other frontier standard policies tend to exclude. Many motorcycle policies quietly stop covering you the moment you leave a maintained public road — which is a problem when gravel roads, fire roads, forest service routes, and unmaintained surfaces are the whole point of an adventure bike. An off-road coverage extension keeps you protected on the unpaved terrain you actually ride, so a crash on a dirt road doesn't leave you paying for everything yourself.
Common Questions
International & Off-Road Coverage FAQ
Do I need separate insurance to ride my adventure bike in Mexico?
Yes. Mexican law requires a separate Mexican liability policy — your U.S. coverage does not satisfy it. Riding in Mexico without valid Mexican liability can lead to serious legal consequences after an accident, so we arrange the required policy before you cross.
Is my U.S. policy valid in Canada?
Often, but not always. Many carriers extend coverage into Canada automatically while others require an endorsement or a proof-of-insurance card. We confirm your specific carrier's rules so you're properly covered north of the border.
Does standard motorcycle insurance cover off-road riding?
Frequently not. Many policies stop covering you once you leave a maintained public road, which leaves gravel, dirt, and trail riding uninsured. An off-road coverage extension keeps you protected on the unpaved terrain adventure bikes are built for.
Ready to Add International & Off-Road Coverage?
Tell us how you ride and we'll build a policy that covers every scenario. Free consultation — 15 minutes, no obligation.