I have Plat Insurance through NAB QFF and Earth.
In 2009, I had my camera stolen in Bourg St Maurice after the Stage 16 TdF. No police report, lodged claim upon my return, money went into account no questions asked.
Also, had a ding in the campervan, this was also honoured no questions asked.
In 2011, I paid for tix on NAB Plat, then cancelled the card (if anyone from NAB cards is reading, a 12k minimum limit is too high). Then realised I'd not be covered. No one at Chartis could tell me definitively if I'd be covered. Re-instated the card. All fine.
I pay particular attention to this stuff as I travel with a $8000 pushbike. The standard platinum cred card insurance will cover up to 4k per item for cameras, laptops etc, but bike not covered. Health cover is usually fine.
An option is to look at your house/contents. Mine is global coverage with QBE (it's seriously awesome cover) and covers the bike.
As I said, I pay particular attention to this personally, and also as I talk about it on my site (whose visitors also all need specific cover for expensive bikes heading over to France, Italy etc).