I work for a medical assistance company so when you phone your insurance company with a problem, it is usually someone like us you will talk to.
Tokyo is one of the ones we deal with, I am on the medical side so don't get too involved in the nitty gritty of policies but my wife does. She says Tokyo can be a bit of a pain, we don't have any delegated authority so everything has to go through them, this makes the policy difficult to verify and slow to confirm cover, which means your potentially picking up a bill for thousands in the initial stages. They also ask for details of your previous medical history from your GP for almost everything which again can cause delays. They are also quite picky about the policy detail and related medical history.

Of the ones we deal with Endsleigh are good as they let us just get on with sorting stuff out so you get action quickly, don't pay and claim though because their claims department are a pain and take ages, let us deal with the hospital direct. We aren't sure if the cover motorcycling.

Maven/Aon is another good one that does cover bikers.

Aviva products and RSA are also good.

Be aware though that any claim for a condition that may be related to previous medical history will require us to check with your GP for most companies which may cause delays, so be prepared to have to lodge a deposit of potentially several thousand pounds with the hospital.

It is also a condition of most policies that you must be registered with a UK GP, so make sure you are still registered and keep your registration active.

Don't assume the hypocratic oath exists in other countries, it doesn't, if you can't pay then they will quite literally dump yoou in the street to die in some countries.

Declare everything so at least you know if there are any exceptions and there won't be any nasty surprises..

Read the policy documents carefully to ensure you aren't doing anything you might be excluded for, this might include travelling to certain countries, riding certain motorbikes, not taking your malarial tablets or indulging in a prohibited activity such as quad biking, or staying beyond the trip limits of the policy (most high street policies are limited to 31 days, and they will check).

Don't believe you can pull the wool over the insurance companies eyes, they employ special investigation teams, they've seen it all before and whatever your scam is, you won't be as original or clever as you think you are!

Don't underestimate the costs of treatment, bills of hundreds of thousands of pounds are not uncommon, so make sure your covered for what you are doing

Hope that helps

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1990 Landcruiser H60. Full rebuild completed 2014