My office mate and i were talking about this. When we dive we carry DAN insurance, which actually is a pretty awesome service. Hopefully we never use it, but it is necessary for our peace of mind to have it available if we need it.

It seems like there could be some sort of mountaineering insurance that could provide the same service. One thing about an insurance company is that they could spell out some of the benefits up front - and perhaps state that they won't pay for every type of response?

It does seem tricky, though, especially in those borderline cases.