Yup BC is cheap compared to a heli ride to the ER...and not much joy to be had. Even an ambulance ride to the ER is going to be at least a 4 hour ordeal at our little hill.
More relative for he Backcountry conversation, but I pay $30 a year for search and rescue insurance that includes $50,000 of heli insurance in addition to paying an extra $20 a month for accident insurance through my health care provider which covers a lot of these types of accidents with a larger deductible. The catch for the heli specific insurance is that it is associated with my Spot X Messenger so I have to initiate the SOS through the device in order to receive coverage, though, if it’s a hand off from a “rescue” (which I shouldn’t be charged for as a CO hunting license includes a small S&R fee) ,to an “ambulance” (you are usually considered “rescued” once in the helicopter), then my accident insurance should kick in with a high deductible.
The way I figure it, I spend so much time in the Backcountry doing high risk activities between snowboarding, Mtn Biking and hunting, that the statistics really accumulate against me over time to the point that some redundancy is likely wise.