I’ve used Dogtag twice now. Not had to claim so can’t comment on how good the after sales and what not, but I did explain what I was going to be doing including taking advantage of the lifts etc… and they (obviously) recommended to go for the Gold cover. TBH for the sake of about a tenner a day its not worth scrimping.
Snowcard. One of our party faceplanted & broke his nose (rock through front of hos FF lid)in Les Arcs couple of years ago. In resort Doctor stitched it up. Claimed costs back from snowcard without any hassle.