Unfortunately I have been stung 3 times this year while riding. I believe all 3 times were by honey bees since the stinger remained after the bee departed. Once on the inside of my leg close to the bend. One time a bee flew down the inside of my jersey and got me on the back. The final one stung me on the top of my thigh after becoming tangled in my leg hair. The last two stings were two days in a row. All three times I had a minor reaction; the only times I have ever had any type of reaction to a bee sting. The elevated heart rate that has been mentioned by the other posters makes sense in this regard.