Are you researching guides for public land, private land, or high fence hunts? My impression of public land hunts is that if you don't recover an animal you hope it survives and you still have an unused tag in your pocket. I haven't heard of outfitters ending your hunt at that point, but then again I don't have much experience with that.
However, I went on one group hunt on a large fenced ranch and quickly learned it wasn't for me for a variety of reasons. But yes, the policy there was that if you shoot an animal (draw blood / wound / kill) you pay for it, whether it is recovered or not. Many of these places raise trophy animals, some of which they charge thousands for, and they can't afford to eat the cost of their investment if an unskilled or unethical hunter makes a bad shot. Yes, a less than perfect shot can happen to anyone, but on a high-fence ranch there are financial consequences, and that increases the pressure, probably resulting in more bad shots. I won't hunt on a ranch again, but I agree with their policy. It's more of a business transaction and a paid activity than a hunt, and you're dealing with someone elses merchandise; you break, it you buy it.