We strongly recommend that you purchase travel insurance when booking a tour, also to include cancellation cover. It is important that you protect yourself in case of flight cancellations, travel delays, baggage delays or loss of baggage, and medical expenses during your trip.
Travel insurance can be bought in your home country, or from one of the online providers like e.g. WorldNomads. You might also want to check with your credit card provider if any travel insurance is included.