Not sure on the options available, but difference between the two is critical in that one is a race event and the other is not. Passportes could be covered by regular travel insurance, depending on the Mtb cover. Though myself, mine covers it so long as it’s not dh ‘racing’, but it also excludes ‘extreme terrain’, which sounds like a general get out clause for anything other than tarmac. I’m looking at Snowcard for a single trip to boost the cover, but I’m just doing Passportes.
What does an annual cover cost with Snowcard? I know it’s a lot as I’ve considered it for my annual insurance to cover skiing also, but has been a bit much, but maybe compared to covering your two trips it may be better value, especially if you’re doing other things in the year.
Ps, do you have to get a doctors cert and/or a race licence for the Mega? Never done it myself. Though I think I’d need a personal medic team with air ambulance on standby 🙂