River Canoeing or Kayaking Travel Insurance

What is canoeing/kayaking?

Canoeing and kayaking are paddling sports where participants navigate rivers using a canoe or kayak. This policy only covers white water canoeing and kayaking on rivers graded 1 to 3. These grades are considered moderate, with manageable rapids suitable for competent paddlers.

Do I need travel insurance for river canoeing or kayaking?

Yes. Even within grade 1 to 3 white water rivers, canoeing and kayaking can pose risks like capsizing, collisions, or minor injuries. Travel insurance provides financial protection for medical emergencies and trip disruptions while you're on the water.

Why choose us?

• Specialist cover for white water canoeing and kayaking on rivers
• Policies tailored for solo paddlers or group trips
• Protection for both beginners and experienced river users
• Clear and honest cover - no hidden exclusions

What's included in our river paddling cover?

Our canoeing/kayaking travel insurance for river grades 1 to 3 includes emergency medical treatment, personal accident, repatriation, cancellation, and personal liability.

Does standard travel insurance cover this?

No. Most standard policies exclude even moderate white water activities. You'll need a policy that specifically names river canoeing/kayaking on grades 1 to 3.

Can I get insured with a medical condition?

Often, yes. Just declare your condition when getting a quote. We'll assess it and let you know if extra terms apply.

Is there an age limit?

Many policies provide cover up to age 70. If you're active and in good health, options are still available - just check the provider's terms.

Top river destinations for grade 1 to 3 canoeing/kayaking

• USA – Salmon River and Colorado River for scenic paddling
• Canada – Ottawa River for moderate rapids
• New Zealand – Whanganui River for multi-day trips
• Norway – Sjoa River for clear waters and mild adventure
• Costa Rica – Pacuare River with lush surroundings

Common injuries and how insurance helps

Even on grade 1 to 3 rivers, you might encounter:

• Bruises or strains from paddling or tipping
• Minor injuries from riverbed rocks or branches
• Fatigue, dehydration or mild hypothermia

Our policies help with treatment costs and recovery support if anything goes wrong.

Top safety tips for river paddling

• Always wear a helmet and life jacket
• Know the river grade and your ability level
• Go with a partner or guide when possible
• Check weather and water levels before setting off
• Take regular breaks and stay hydrated