Norway covers it. We regularly see news about foreign tourists who either take stupid risks and have to be airlifted down, or tourists who book a night at one of the mountain cabins and then trigger a whole red cross search party with two helicopters when they don't show up. So to those who consider mountaineering in Norway: be responsible, plan ahead, make sure you can contact someone if you change plans midway. It's public money going towards your search & rescue.