The Garmin SAR plan is only active when you are over 99 mile from home. I believe that the SPOT plan is active when you are over 150 miles from home or enter a another country. SPOT considers snowshoeing a hazardous sport when not done at a commercial operation.
The plan is active at any location that is not the customer's permanent residence.
Relevant winter sports info:
"Hazardous Winter Sports
If the winter sports activities are undertaken within the authorized trails or confines of a commercial and supervised
ski resort area or winter sports gymnasium, these activities are covered and not considered hazardous winter sports
for the basis of this crisis assistance plan. O&R customers that participate in hazardous winter sports (further defined
herein) are covered under this crisis assistance plan, albeit limited to either search & rescue expenses or medically
necessary evacuation, further defined herein.
Hazardous winter sports are defined as the plan customer’s participation in the activities of skiing, cross-country
skiing, snowboarding, ice skating; snowshoeing; or any other sport undertaken in non-commercial areas that have no
care, custody, or control from a commercial operator and/or for thrill/profit/notoriety/publicity/endorsement/social
media attention-seeking, versus standard recreational purposes. When the O&R customer suffers a crisis or medically
necessary repatriation event, as a result of hazardous winter sports, the fully funded assistance benefit will be limited
to either search & rescue expenses or medically necessary evacuation to nearest appropriate hospital, but not both
benefits. Therefore, this plan’s fully funded benefit will cease immediately upon the completion of search & rescue
expenses or medically necessary evacuation to nearest appropriate hospital, whichever benefit has been provided
first. "