Oops: Should have read the OP in full 😳
Having said that: Insurance is not something to save money on, so go with the best, regardless of the cost.
I have heard some dodgy things about Dogtag, and many others I contacted would not cover me for DH riding.
I’d say stick with Snowcard.
Also, check what is covered under your household insurance: You may find you don’t need the baggage and personal items cover, which will reduce the premium dramatically. As my stuff is covered with my M&S insurance, I remove all the baggage and personal items form my travel insurance. My quote from Snowcard is approx. £136, for three weeks.