not really sure now why we push helo insurances at the track (I had reach at time of my crash at thill but its not up to you who picks you up), your medical coverage will pay for it hopefully, unless you got some weird obamacare???
Actually, if people read the fine print, a lot of insurances do not cover helicopter rides. Kaiser does, but even then, the helo insurance will cover your deductible, which, my one use of it, paid for itself for 3 years just in that.
My current insurance covers almost nothing - shit corporate insurance, and thanks to obamacare, I have no options of getting it on my own anymore since I'm in the "generally healthy middle-age" group that's paying for obamacare.
With my current insurance, I'd have a minimum of $6K out of pocket if I need to go in for - well, anything, and I can promise helo would be all of that and probably then some. Hence, the insurance is more than worth it.
Worth reading the fine print in your insurance policies - not unheard of for helo to not or only partially be covered. Or just keep the helo insurance and don't worry about it.