Buying Kayaking Travel Insurance: Helpful Tips for Paddling Abroad!

Buying Kayaking Travel Insurance Helpful Tips for Paddling Abroad!

Kayaking is an exciting and adventurous sport. Not only does it keep a person healthy, strong, and fit, but it also offers exhilarating experiences that many other sports just can’t match. There’s nothing like taking a kayak out on the water and having the adventure of a lifetime. Whether it is calm or rapid waters, the kayaking experience is one that everyone should try at least once. Kayaking is a great sport that is not only exciting but also life-changing. It requires stamina and fitness to be able to deal with strong and often vicious waters.

You can use kayaks on many different types of bodies of water including lakes, oceans, and rivers, yet not many people think of contacting an insurance company beforehand.  It is done all over the world and offers thrilling and intense experiences that can sometimes be dangerous.

Because of the thrilling and often unpredictable nature of kayaking, it can prove to be a risky sport. This is why it is extremely important that kayakers purchase some type of kayaking insurance in the event that something does go wrong while they are pursuing their favorite hobby.

When people are traveling and taking trips abroad, purchasing kayaking travel insurance ensures that they are safe and covered if something goes wrong. If you’re a traveler and adventurer who loves to kayak, you have probably looked into kayaking travel insurance.

When doing research for a kayaking travel insurance company, it can be a little difficult (and sometimes frustrating) to know what to look for, particularly if you’re a newbie and haven't purchased kayaking travel insurance before. There are many different kayaking travel insurance policies, so how do you know what to look for and what type of insurance to buy?

There are many different levels of insurance to choose from when it comes to kayaking travel insurance, which can often offer various different types of coverage. Some of these things include inland or coastal water kayaking, kayaking in waters beyond 3 nautical miles, river kayaking, and coverage for different levels of expertise and experience. Here’s what you need to know about kayaking travel insurance, what you can expect from it, and how you will be covered when you’re paddling abroad on your next great adventure.

How Does Kayaking Travel Insurance Work?

There are all sorts of injuries that can occur when someone is kayaking. These injuries can include:

  • Cuts
  • Bruises
  • Drowning
  • Death
  • Strains
  • Lacerations
  • Abrasions
  • Concussion
  • And more

Many different sports travel insurance policies that cover kayaking have blanket policies which also cover many other sports. Some of these sports can include scuba diving, bungee jumping, hiking, winter sports, and more. Depending on the insurance policy you purchase, your policy can include the following coverage:

  • Baggage
  • Medical and hospital expenses
  • Delayed departure
  • Accommodation
  • Loss of cash and/or travel documents
  • Kayaking equipment including loss, damage or theft
  • 24-hour assistance
  • And more

When you apply for kayaking travel insurance, a sports insurance specialist, or sports travel insurance agent will try to help you find a plan that is right for you. More often than not, the insurance plan you purchase is likely to fall under a general sports travel insurance plan that covers many other sports. This may be an advantage to you if you participate in multiple sports while you travel abroad.

Most insurance policies also cover the loss of equipment and cash in addition to medical and hospital expenses. These policies allow insurance holders to opt for single coverage, annual coverage, multi-trip coverage, or even individual/family coverage.

Other sports that are generally included in sports insurance coverage include:

  • Whitewater rafting
  • Canoeing
  • River wilderness expeditions
  • Snow and winter sports
  • And more

What Does Kayaking Travel Insurance Cover?

Depending on the type of policy you decide to purchase, you may be eligible for the following coverage:

Medical & Hospital Expenses

Kayaking travel insurance policies cover any emergency medical or hospital expenses in the event of an injury, illness or death.

Baggage and Personal Items

If you have lost or damaged personal items or baggage, many insurance policies will provide coverage up to a certain amount.


This covers sports equipment that is not covered under personal items.

Personal Liability

Many kayaking travel insurance policies will cover you in the event that there is a legal liability as a result of accidents causing death, injury or property damage to a third party.

What Type of Coverage Should I Get?

The type of kayaking travel insurance you decide to get will depend entirely on how you will be kayaking, where you will be going, how long you will be going for, the level of expertise you have, if you will be doing any other activities outside of kayaking, and more.

Many different insurance policies cover different grades and levels of expertise, including:

  • Easy
  • Novice
  • Intermediate
  • Advanced
  • Expert
  • Extreme

Choose the Insurance that Keeps You Covered

There are many risks associated with kayaking. This is why it is extremely important to be covered by insurance—even for the most experienced of kayakers. Before going out on the water, always be sure to check your equipment, the conditions, and most importantly, your insurance plan.

Not only does kayaking travel insurance cover medical and hospital expenses, but it can also cover you if you have lost or stolen items, damage to your equipment, loss of travel documents, cash, and more. Many kayaking travel insurance plans also offer 24-hour immediate assistance in the event that you need assistance immediately while you are traveling abroad. In addition to this, most insurance plans have policies which cover many outdoor activities, so if you plan on doing other activities outside of kayaking, you can also benefit from these types of sports insurance plans.

 Not only is kayaking good for health and fitness, it is also good for your mind.  That being said, you should never travel abroad without the right insurance plan. Make the best out of your kayaking trip abroad by making sure you are covered in the case of an emergency.