BEST Insurance for hiking, skiing, in Europe for DS?

[CornishTeaTime]

DS is going to Bulgaria skiing and hiking then a few months after another trip to Norway mainly exploring, hiking, climbing etc.

Anyone have an recommendations for a good fully covered travel insurance? Im guessing an annual policy rather than 2 separate would be best.

Contact a broker such as Firth and Scott and ask about a BIBA annual policy.

Ah actually my family use a broker for house insurance and Im very friendly with the lady we deal with. Will call Monday and ask her to search an annual insurance out for him. Never thought of that. Thanks