/\ /\ This. I used them for Niseko earlier in the year (and for USA next week ) when we spent several days in Tokyo on our way to Niseko. You would think Tokyo sightseeing was low risk compared to off piste skiing so it's refreshing to see an insurance company allowing for this in their policy options. When they go to that level of detail, you know are serious about providing good cover. My experience with TID was that while not explicitly excluding off piste, you are actually not covered which I found out only after scanning their forums and asking them specific questions. Best wishes, Sli1 on your wife's recovery.