In reply to MonicaOnTheRope:
Snowcard?
On a recent trip I went for BMC insurance, and some of my friends went with Snowcard. We all experienced different travel related delays on the way home, as far as I know my friends made a quick and easy claim over the phone with Snowcard. My experience with BMC has been far from straightforward. BMC insurance is actually dealt with by a company called Fogg Travel Insurance Services and they've not been at all helpful and, almost a month after returning, I've still not got them to even acknowledge they've received a claim from me, despite phone calls, emails and written documentation. Not impressed at all.
However, I am at home, I'm not unwell or injured and not significantly out of pocket. Perhaps they'd get their finger out a bit more urgently if I really, really needed their help, but tbh my experience has put me off going with them again.