I am just looking at getting my travel insurance for going to morzine / megavlanche and have been looking at the different levels of cover available, I am looking at using DogTag, they have 3 tiers of cover Base, Pro and Max, each one offering higher payout limits and lower excess charges on claims.

I am just wondering if anyone has actually had an accident abroad and had to make a claim? And is there real benefits to having the more expensive cover?

Well i have had a reply from the mega organisers and they are offering a special sports policy for €47! Annual cover!

their web site isnt fully sorted yet http://www.multisportassur.com/ but its approved for the mega and any other cycling so that will do me!

[copied into mega thread so everyone knows about it]