Read below to learn more about travel insurance for your kayaking tour. Our team at Spirit of the West Adventures are not insurance experts. If you have any doubt about the policy you need, please speak to an insurance broker about travel insurance for your kayaking tour and travel expenses.
DO I REALLY NEED TRAVEL INSURANCE? I HAVE NEVER PURCHASED IT BEFORE
The simple answer is YES! With ever-changing travel restrictions, border closures, flight delays and lost baggage being commonplace, travel insurance enables you to focus on trip planning, having fun, and enjoying your vacation, rather than worrying about all the things that could go wrong!
Cancelling travel plans due to factors outside of your control is never going to be enjoyable, but it’s much less stressful when you have protected your travel expenses.
We can’t recommend travel insurance highly enough! When making decisions about purchasing travel insurance, we recommend you review our Terms & Conditions carefully.
OUR Top Tips FOR Travel Insurance
- Which policy you can purchase depends on where you live. Coverage varies by country as well as by province/state and region.
- Spend some time determining which expenses you need coverage for. Certain aspects of your travel (hotel, flights, rental car, etc.) may have flexible cancellation policies and offer a refund or credit balance if you are unable to travel. Removing these expenses from the amount you are insuring with your policy can reduce the overall cost of the insurance. Please note Spirit of the West will be adhering to the Terms and Conditions of your reservation.
- Don’t delay- as soon as you start spending money on your travel also buy your travel insurance coverage. Many policies (Cancel for Any Reason insurance, in particular) have tight timelines for purchasing soon after you spend any money on your journey. You can always call your insurance provider to add additional coverage if you extend or expand your travel itinerary.
- Check whether your policy will cover your travel companions, and if the coverage will be sufficient. Some policies are adequate for families, but some are really not. If travelling as a group of adults, it is recommended to get separate policies for each individual or couple, rather than purchasing one large policy for the group. The individual policies often cost the same per person as a combined person policy, but you effectively double much of the coverage and amounts covered in many cases.
IF YOU HAVE TO CANCEL YOUR TOUR WITH US
- Read through your insurance policy, to understand what is covered and why.
- Please call us before informing your travel insurance provider. We will help ensure that you have all the correct paperwork you need before starting your claim.
- Thank you for your understanding that we will be adhering to our Terms and Conditions and the importance of travel insurance.
Some Options for Travel Insurance
Using a travel insurance aggregator can be useful in comparing plans and pricing from different companies. Some websites that we have found helpful include:
If you are from anywhere: WorldNomads.com
WorldNomads is an insurance option for guests visiting us from outside of Canada and the US.
If you are from Canada: Rates.ca
On Rates.ca, Canadian residents from some provinces are able to compare rates from different insurance companies.
If you are a US Resident: Aardy.com
Aardy.com is a site for American residents to explore different insurance rates and get the cheapest quotes available.