Travel insurance for kayakers

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I'm about to head to North America for work and plan on doing some kayaking too.. but I've been unable to find any travel insurer able to cover for private kayaking on grade 4. I had heard 1cover might offer it but after speaking to them on the phone they'll only cover up to grade 3 - perhaps their rules have tightened. I found a UK travel insurer online who'll cover grade 4 but only for UK residents. With many kiwis paddling abroad it seems like this would be something that is often required, but I've yet to find the solution.
Any suggestions?
Thanks, Dan.