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I care for my husband and am concerned he would not remember what to do if something happens to me.

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I didn't know anything about this (because I've never owned an Apple Watch) so I searched it:

https://support.apple.com/en-us/HT208944

Apple doesn't say anything about an added charges, so I don't think there are any, unless the ambulance shows up for a false alarm, then maybe you'd be on the hook for some fees, maybe not.
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