Nothing wrong with planning for contingencies especially if you frequent remote areas. I would echo the poster who mentioned about checking into if some sort of insurance or membership is possible with whichever company you decide on. I know two people who have been life flighted by the local air ambulance (one to the local hospital and one to children's hospital in Omaha) and both got a bill for just over $15k USD. They offer a $65 yearly option or an $1100 25 year option that covers an entire household.