how you "feel" doesn't determine the payout.

you are allowed to contact the carrier directly.
ask them, rather than guess on a forum, whether cycling is covered.
print off the email response and keep a copy.


(ir)regardless, in most cases, they would cover "normal" sporting
activities, but disallow dangerous/high risk and competition.

*riding a bike/cycle touring....yes.
*participating in a registered race.....probably not, but maybe.
*attempting to jump springfield gorge..........no.