One issue that concerned me when travelling in Europe last year was the issue of getting the bike home if I was injured in a non bike accident. Say for example whilst walking down the road in the evening and you are hit by a car. Neither my bike insurance through Bennets or my travel insurance through Nationwide would have paid to get the bike home although obviously I was covered. This would have then involved me arranging storage of the bike and then transporting it home if i was unwell enough to ride it home. I paid a seperate policy with Carol nash to cover this. Worth considering.
I have just had a very quick look at the AA Travel policy. It has an extension in cover whereby it will pay you, '....reasonable costs and expenses for you to make a direct return to collect the vehicle from overseas, following a whole host of events (too many to list here).....but including....if it is medicaly necessary for you to return to the UK for treatment....'
The important words are,
if it is medicaly necessary for you to return to the UK, ie. if you stay abroad, get treated, then fully recover, then the repatriation costs of your bike would not be covered. Nor indeed would they need to be as you could ride the bike home, just as you would have done had you not been ill, injured etc..possible additional charges (changes in ferry costs, say) would be met, so you would not be out of pocket at all.
You may, however, still be faced with costs of looking after the bike whilst you were being treated. You might well be able to argue that the cost of temporary, safe, storing of the the bike, whilst you were treated abroad, is nothing more than a reasonable extra travel expense (which is covered) little different from, say, a hotel room. You might also use the £25 a day hospital payment extension to meet some / all of the storage costs, foregoing the Mars bars or whatever you might otherwise spend the money on.
Whilst it doesn't say so, I guess you may well be able to persuade the insurer that it might be sensible (cheaper) for them to ship the bike home then and there (a one way journey), rather than pay for its secure storage, whilst you underwent perhaps lengthy treatment abroad. Insurers are often more reasonable / sensible than many people think.
For those that might think they will not be in hospital abroad for long. I have a work colleague chum who was in a Swiss hospital for seven weeks, operated on twice and then flown home in a private medical jet with a nurse to hold his hand. The final medical claim was beyond eye watering but only cost him £50 for the excess. Moral is: Don't have a serious compound fracture of your leg and then develop blood clots....regular airlines wouldn't fly him as he had to be strapped flat...and there was a danger of bleeding / additional clotting problems, hence the nurse. Two more op's in the Uk, covered by BUPA, then physio (again BUPA) then a final operation to take some scews out, three years later, again BUPA. Good value this insurance malarky....