My wife had an incident skiing over Xmas 2022. She was knocked over on a gentle blue in hard packed conditions. This didn't cause the injury, but she removed her remaining ski to side step up the slope, to retrieve the other. Unfortunately a slip of the lower leg whilst the upper (right) leg stayed put, bent her knee sideways. Despite (straight) skiing to the bottom of a lift, she needed the 'blood wagon' to take her down to the Medical centre. Long story short, she ruptured her ACL and MCL, & tore the LCL (and fractured the tibial plateau for good measure).
Back home she got diagnosed pretty quickly and opted for the physio route (vs ACL reconstruction) as soon as she could (her preferred fitness activity is running). She's continued the physio (no surgery), and went skiing again this Xmas (2023). She used the Össur CTi3 knee brace, which was a bit of a compromise for her, as she would have been better with a custom fit (the bottom of the brace was 'in' her ski boot). She's only 5'2", so maybe the std brace would be OK for average height.
Apart from some obvious initial nervousness, she was fine skiing full days all week. (The black bumps run was a bit much on her knee!)
We are regular skiers, but only once a season.
The Ossur was recommended by the physio, as it has the most research behind it.
We used Travel insurance attached to our Nationwide Flexplus account (which paid out fully for the incident, but we did have to stump up first). They had no problem covering for the next year, with no increase of premium for declaring the knee. But she can run 5k without pain, etc.
I mentioned Össur to a mate at work (who had knee problems in the past), and he can now join his son playing basketball.
Good luck, but you'll need to do lots of strength work/physio beforehand, (her words, not mine).
Graeme.