Best place for insurance?

I have used MPI for several years. Michael Pettifer is a skier himself, and understands the nuances.

Taking off piste as an example, many companies insist that you are accompanied by a guide or a local ski instructor. MPI take a the view that you simply have to act responsibly.

Given that I have 50 years skiing experience, I might not have too difficult an issue with that one!

And bear in mind that you need to have the credit available to pay a lot of charges up-front before you can claim them back. This may not be the case, but can happen, depending on policy, claims handler, and country. A lot of people think they can wave the Travel Policy in the air and it's magically accepted as some form of payment. And be aware (like any insurance) that although you sign-up to 'notify the insurer immediately' if you're on your own and completely out of it, and are taken to hospital and then treated, then you explicitly haven't done this. The extent to which the claims handlers are reasonable will vary. So if you're going in a group, make sure everyone's insurance contact details are on hand and that if you are injured, someone else will contact them on your behalf ASAP.

And obviously, get yourself an EHIC card (no need to use any intermediary: as mentioned, it's free to you). You'll find that insurers may ask for your EHIC number if you make a claim, as they will try and recover any qualifying costs, so you might as well get it up-front. In some cases, just having the card will be enough to get you treated, or at least streamline the admissions process.