Maritime activities have become increasingly frequent with the deepening of economic globalization, highlighting the burgeoning significance of maritime rescue. However, in practical applications, UAVs for maritime rescue face numerous challenges, such as limited endurance and inadequate autonomous planning capabilities. To optimize flight routes and circumvent adverse sea conditions, an improved Pied Kingfisher Optimizer (IPKO) that incorporates refraction reverse learning, variable spiral search, and Cauchy mutation strategies was proposed. Comparative experiments conducted on CEC2005 and CEC2022 datasets with seven traditional algorithms demonstrate that the proposed algorithm exhibits superior precision and convergence speed. Subsequently, a path planning objective function was constructed based on trajectory cost and threat cost to simulate a 3D space for UAV maritime rescue missions, and the IPKO algorithm was applied to address the UAV path planning problem. The results showed that the total cost incurred by the IPKO algorithm decreased by 5.77% compared to the PKO algorithm and by 51.19% compared to the SCA algorithm. Finally, through UAV flight tests validating its practical applicability, it is ascertained that IPKO can enhance rescue efficiency in complex maritime rescue environments.