I just took out SAR insurance, which is linked to my Inreach SE, yesterday. After many questions to various Garmin staff on different Garmin websites (Why, oh why, do they have So many Garmin sites? It is confusing to know which one is for what purpose.)
At any rate, this is the link to the Geos site which provides the insurance;
https://my-geos.com/productsYou have to set up a free account, and then chose which level of coverage you want. I went with $50k of insurance for SAR/medivac for $29US per year. I actually had a Garmin rep on the phone talking me through the process as I did it.
At one time, SAR insurance was an option when opening up an InReach account, but not now, And both the name of the GPS company, and the SAR insurance company, have changed names/ownership in the not too distant past, which clouds efforts to figure out how to find it online.
As for how slick and pain free it is to put a claim in against the cost of SAR efforts? I hope I never find out.