If you are hiking all over the place, in all different locations, it might be worthwhile.

For me, in California where I am doing all my hiking, it would be a waste of money. There is no charge for rescue services here. Yosemite NP will bill for medical services, not rescue, and typically asks for insurance information to do so.
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"In the beginner's mind there are many possibilities. In the expert's mind there are few." Shunryu Suzuki

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