It is excruciatingly boring, but yes, read the small print. I had my phone stolen in Seville, I went through a lot of waiting and hassle to get a crime number and police report, only to find that that the phone was insured for £200............................ but had an excess of £250! What a great business to be in.Get yourself a European Health Insurace Card (EHIC), available online.
If you plan to take out insurance cover for bike, luggage, tent etc. make sure you read all of the small print on the policy before parting with your cash!
Thank you. I have looked at a number and can't work out if you are covered abroad and if the bike is covered in the blurb! Will continue to look, but if anyone has come across a good one, let me know. Thanks again for your help.Some general travel insurance policies exclude cycle touring and be very aware that if you do a cycling event with even a hint of competition overseas the insurance company might decide it's cycle racing, which almost any general policy will exclude.