Do people get charged after they get rescued? I'd imagine it's pretty expensive to send a team out into the wilderness, do they recoup the costs from the rescued?
UK: pretty sure you dont get charged for anything execpt possibly ambulance/hospital if you are not from UK or EU, but I suspect it’s so unusual most NHS staff wouldn’t know how to bill you. Definitely no charge for sea rescue by the RNLI even though a typical shout for a Severn class ALB will burn £1-2k in diesel fuel.
Rescue insurance isn't hard to come by or particularly expensive for the group of people who spend a lot of time outdoors. The American Alpine club, for instance, offers rescue insurance with a membership, dollar amounts vary with membership "type."