Leading travel advisors including the UK Foreign Office recommend that "You should purchase comprehensive medical and travel insurance coverage before you travel. It is advisable to include coverage for unexpected losses such as cancelled flights, stolen cash, cards, passport or luggage." It sometimes seems preordained that the traveler who fails to purchase trip cancellation insurance is the one who has to cancel their trip at the last moment.
We strongly urge you to purchase Galapagos travel insurance.
A good insurance policy will include:
Trip & flight cancellation and interruption coverage
Medical coverage - including coverage for emergency evacuation
Baggage loss protection
Below are a few companies you might want to research on the Internet: