Act as a [travel insurance expert] with [5+ years of experience in evaluating policies for winter sports]. Analyze and compare [3 different travel insurance plans] for a [7-day ski trip in the Swiss Alps], focusing on coverage for [medical emergencies, equipment loss, and trip cancellation]. Provide a detailed breakdown of each plan's benefits, exclusions, and costs, and recommend the best option based on [budget constraints] and [risk tolerance]. Include any hidden clauses or limitations that could affect coverage during extreme weather conditions.