In reply to alasdair19:
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> 25k seems like a reasonable rescue cover for Europe not sure about greater ranges stuff.
My very inexpert opinion is that 25K is better than nothing, but might leave you short, depending on the incident. Helos cost (very) roughly $4K per hour to run so if a rescue takes several hours suddenly most of your money is gone, even without any other costs (SAR team, hospital, transport etc), let alone if two helos are involved.
I saw a recent Pakistan helo rescue was quoted as being US$40,000 though I felt that was a big high for what it was. But nowadays trekkers and all sorts of people are demanding helo pullouts from all sorts of places, so the economics of it all is changing. Plus agencies, in Nepal at least, are rorting the system to get kickbacks out of overstated insurance claims.
As for US hospital stays, most travel insurance offers unlimited, probably for good reason. In a really serious accident that involved both air rescue, a couple of weeks in hospital, specialist surgery, and a first-class care flight back home, you could be looking at over a million USD.