In the unlikely event “touch wood” that something happens to your person or even worse, your beloved bike, you’re going to want someone to pay up for it.  Cover will vary, depending on the compay, and you need to be aware that some insurance companies class cycle touring as an “EXTREME SPORT”.  Medical care and hospital bills can be expensive if you’re in a foreign land so in our opinion its always best to make sure that you’re covered for it; it can be a bit confusing, trying to navigate the websites to find out what is and isn’t covered, so here we’ll review some of the companies and the policies that we’ve used.