Base travel policies often cap rafting at Grade I–II 'scenic float trips' and exclude anything Grade III and up — which is where the commercial rafting in BC and Alberta actually lives. If you're booked on the Kicking Horse, Kananaskis, or Tatshenshini, your standard policy likely doesn't cover the rapids you're actually running.
Add TuGo's Sports & Activities Coverage at quote time and white-water rafting is covered — not excluded.
Foot entrapment, rock impact, and raft pins cause severe lower-limb and pelvic trauma — often needing surgical evacuation from the river.
Swim incidents in big water mean lung complications, hypothermia, and observation stays — costs compound quickly for non-residents.
Multi-day rivers (Tatshenshini, Nahanni) are days from a hospital; evac means a chartered float plane or helicopter, billed to the patient.
Cost figures are illustrative ranges for non-resident care in Canadian hospitals. Actual costs vary by province, facility, and treatment.
Most insurers exclude white-water rafting. TuGo doesn't have to. Add the Sports & Activities Coverage at quote time.
Get a Quote See all covered activitiesOne night in a Canadian ICU can top $14,000 — without coverage, that's on you.
Cost reality