hi, it depends on where your going, for example, if its bansko get ins from axa, you don't pay the excess in case of an issue on the slopes, you can go direct or through thomson, don't go the cheapest check out the excess stuff, don't go off piste unless it says your covered, also if in a group of 2 or more, make sure you all have ins details with you on the slopes, otherwise you will get bill, then have to claim it back in the uk.