You might find this interesting. The guys who sell "Spot" also sell a yearly subscription. There are add-ons including, and I'm copying this right out of my NEW manual, the GEOS Alliance Global Search and Rescue Member Benefit. Yep...insurance, up to 100k spread over a maximum of 2 "events" a year. I ran into 4 guys with Spot on trail and all had it for the 911 function. But for $17/year they might drop ya if you start costing them too much money. When you pick me up with my twisted ankle, don't forget my Starbucks coffee...and make sure its hot!