We all enjoy paddling for a reason. We enjoy the physical fitness, the rush of the river, company of our friends, exploring rivers and pushing ourselves.
Often we don't anticipate have a problem, but accidents happen. That's what a first aid course, rescue course, paddling partners and a good insurance program offer.
Familiarize yourself with the Accident Claim form, and the customized PPT on WO/CKO Insurance.
Coverage applies to formal training and instruction sessions. It does not apply when to casual paddling that is not listed by a club, or not led by a Trip Leader, Instructor, or supervised by a Coach.