In reply to Charley17:
I seem to remember Snowcard being good for tweeking bits and pieces so you could tailor it to what you want covered and how much, but haven't used them in years. Last few times I've been with the AAC. Never had to claim from Snowcard, BMC or AAC so can't comment on that.
As for the level of cover that AAC provides, it's personal preference but I've never missed a flight or been the victim of theft, and I have no insurance for stuff when I'm in this country so don't feel the need when I'm in another country.
I hope I haven't just tempted fate...