Even a “pre-pay for a day of help” would be great. You could spend $100 in January, and keep that credit on file; then, if you need help in September, you can start up your 24-hour window.
But given the era of recurring subscription revenue above all else, I think we know how Apple will handle this.
I agree that insurance is maybe not the best analogy. You need satellite capacity to send one text message. When your house burns down, you need potentially hundreds of thousands to millions of dollars.
The satellites are expensive, of course, but most traffic is not cell phone users needing to be rescued.
But given the era of recurring subscription revenue above all else, I think we know how Apple will handle this.