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as @emyr mentions I claimed for medical with Snowcard even though I took the policy to look after bike.
Their customer service is superb. Above and beyond in terms of sorting shit I'd not done and chasing after other companies for me, as well as quick work (they sorted payment to hospital out despite all the missing info and policies, before my stitches were even finished)
What's the best travel insurance to get in order to cover my bike whilst in North America?