Who Pays When Things Go Wrong? Don’t Let Dollars Capsize Your Paddling Trip.

Sea kayaking trips depend on teamwork, sharing the journey, the meals, the challenges, and the rewards. Yet one subject that often goes unaddressed before launching is the question of cost sharing, not in the casual sense of "who buys dinner", but in the practical sense of who covers expenses if something goes wrong. A brief, open discussion about finances before departure can prevent confusion and tension later on.

Even before the first paddle touches the water, expenses begin to accumulate: fuel, ferry fares, campsite fees, permits, and accommodation. These costs are usually shared equally or handled individually, but unexpected issues can surface long before the kayaks hit the water. A vehicle breakdown or an unplanned overnight stay can disrupt both schedules and budgets. Clarifying in advance how such costs will be handled promotes fairness and maintains confidence within the group.

Unexpected incidents can also arise once the group is underway. Equipment damage, injuries, or weather-related extractions may lead to unplanned expenses. While Coast Guard rescues in Canada are typically free, private tows and water taxis can be costly. If the decision to call for assistance is made collectively, sharing the expense is generally reasonable. However, if the situation results from one participant disregarding group advice or taking unnecessary risks, it may be fair for that individual to assume responsibility. Establishing this understanding beforehand helps the group manage difficult situations calmly and fairly.

It is also worth considering how the group will handle unexpected departures. If a participant must leave due to illness, injury, or a personal emergency, the group should have a clear plan: Will the trip continue? Who will accompany the affected paddler? How will any additional costs be handled? Similarly, if someone chooses to leave early for non-emergency reasons, it is best to determine ahead of time how unused costs or logistical arrangements will be managed. 

While conversations about money can feel awkward before an adventure, taking a few minutes to address them can prevent far greater discomfort later. Clear agreements about shared expenses, cancellations, and emergencies allow the group to focus on the experience itself rather than on financial misunderstandings. A simple discussion before setting out helps ensure fairness, strengthens trust, and keeps the spirit of cooperation that makes sea kayaking so rewarding.