For every trip, I highly recommend purchasing rescue insurance. For trips entirely in France, mountain rescue is provided at no extra cost to you. However, during certain trips we will climb and ski in Italy and/or Switzerland, and it can be important to have an added insurance in case something happens. And especially for adventures in the far corners of the world.
One option is a membership with either the Austrian Alpine Club or the Club Alpin Français, which provide you with a great international mountain rescue insurance. As well, if we stay at refuges, you get a discount.
Things do happen, and its good to have a back-up plan, especially for the longer trips. Trip insurance is a good idea to help in case of injury, lost baggage, volcanos erupting…
Rip Cord Insurance provides a good insurance for adventure trips around the world.