In reply to robhorton:
Thanks for the replies
I have got cover from Snowcard which as robhorton has said offers cover excluding existing conditions. This is not a problem as my existing conditions are not going to cause me to make a claim. My wife had tried to get group cover and kept getting refused. For some reason when we applied for cover separately we got it for less than £250 total for all 4 of us. Snowcard appears to be the only company which doesn't require you to enter all your medical issues and simply states they they will only cover you for new problems that occur while you're away. Another bonus is that they cover for off piste.
However they won't cover over 75's. So in future, If I'm still active, I will have to look elsewhere
Thanks again.