Opis produktu
Wycieczka do Ekwadoru z Wyspami Galapagos – 12 dni
13 – 24 lutego 2019r
Filmiki z naszego wyjazdu
Galapagos:
Ekwador:
Galerie fotograficzne (kliknąć na napis)
Wycieczka do Ekwadoru z Wyspami Galapagos – 12 dni
13 – 24 lutego 2019r
Filmiki z naszego wyjazdu
Galapagos:
Ekwador:
Galerie fotograficzne (kliknąć na napis)
Cena wycieczki: 4,350.00$
Wycieczka do Ekwadoru z Wyspami Galapagos – 12 dni
13 – 24 lutego 2019r
Filmiki z naszego wyjazdu
Galapagos:
Ekwador:
Galerie fotograficzne (kliknąć na napis)
Galapagos Islands & Ecuador 12 Days – 13- 24 II 2018r.
Day 1 (13 II): Depart from New York JFK to Ecuador. Arrive in and transfer to your hotel. Balance of the day is at leisure
Hotel: Hotel Mercure or similar★★★★
Day 2 (14 II): Fly to Galapagos visit Santa Cruz Highland (Breakfast /Dinner) By Air Embark this morning on a journey to the Galapagos Archipelago of volcanic islands, five million years in the making. Your flight from Guayaquil takes you to Baltra Airport; you’ll be met by your naturalist guides and transferred by boat to Santa Cruz Island. Here, you visit the Giant Tortoise Reserve and see their natural habitat – a once in a lifetime experience! Tortoises can be seen grazing on the vegetation, wallowing in muddy banks or in the small red ponds. The area is teeming with wildlife – woodpecker finches, mockingbirds, flycatchers, as well as ducks, herons, and gallinules. After a stop for lunch, on to Puerto Ayora, the most developed town in the Galapagos Islands.
Hotel: Hotel Fiesta or similar★★★★
Day 3 (15 II): South Plaza Island(Breakfast /on Board/Dinner) (8:00AM-5:00PM) After breakfast, you will board the yacht. Your day includes 2 highlights. One of them, the snorkeling swimming site known as Punta Carrion, has a name that startles some English speakers, but in this case, it’s merely a reference to a family name. And just 8 nautical miles away, South Plaza Island shocks visitors with the sheer volume of amazing wildlife that greets them right upon arrival: dozens of frolicking sea lion pups, patrolling alpha male sea lions, basking marine and land iguanas, stunning red crabs and various Darwin finches await. The trail is over 1.5 km/1 mi long, over rounded boulders.
Hotel: Hotel Fiesta or similar★★★★
Day 4 (16 II): North Seymour Island(Breakfast /on Board/Dinner) (8:00AM-5:00PM). Before leaving for Itabaca Channel, 42 km away on the north shore of Santa Cruz. Board the Sea Lion yacht. Your day includes a dry landing and a 1.5 km/1 mi walk over a mixture of sand and rounded boulders. Be amazed by land and marine iguanas, Nazca- and blue-footed boobies, frigates, sea lions and fur seals. The other highlight is Las Bachas, a stunning white beach with dreamy small brackish lagoons, home to various waders, such as plovers, stilts and flamingos. You have a chance to swim or snorkel here.
Hotel: Hotel Fiesta or similar★★★★
Day 5 (17 II): Charles Darwin Research Station and Tortoise Breeding Facilities, fly back to Quito) By Air. After breakfast, we will visit the Charles Darwin Research Station where the highlight is the conservation program for the iconic giant tortoises. After lunch we will transfer out to Baltra airport and board the plane, fly back to Quito. Arrive late afternoon in this historic city in the high Andes at the base of the Pichincha Volcano; transfer to the hotel. Evening is at leisure in Quito
Hotel: Hotel Mercure Alameda Quito or similar★★★★
Day 6 (18 II): Quito City Tour & Visit to the Middle of the World, Mindo (Breakfast /Lunch /Dinner) morning’s tour begins with a visit to the colonial section of Quito to walk along the narrow cobblestone streets and feel the charm of 16th-century Quito. See the Independence Plaza, the Cathedral, Presidential Palace, and the Archbishop’s Palace
before visiting La Campania de Jesus Church, with its beautiful gilded interior or the Church and Monastery of San Francisco, one of the great religious buildings of the New World with its impressive facade and atrium. Afterward, visit the Middle of the World Monument, located at a latitude of 0o, and stand with one foot in the Northern and one in the Southern Hemisphere. This afternoon, transfer by bus to Mindo, the cloud forest reserve, the cloud forest is a cool and humid environment with frequent canopy level cloud cover.
Hotel: Sisakuna Lodge or similar★★★★
Day 7 (19 II): Mindo Cloud Forest , Otavalo (Breakfast /Lunch /Dinner) Mindo is home to a rich biodiversity. Its primary cloud forest is considered an ecological paradise. While bird enthusiasts can delight with more than 500 know bird species, hummingbirds and toucans being the most common, flora lovers can enjoy an unforgettable hike around its evergreen forest. The vast diversity of plants, flowers and multiple life forms unique to the area never ceases to amaze visitors. Adventure also find its place among the ecological beauties: hikes to the waterfall, tarabita rides, tubing and canopying are common to the area. We will visit bird garden, chocolate factory, butterfly farm, after lunch we will transfer to Otavalo.
Hotel: Puerto Lago or similar★★★★
Day 8 (20 II): Otavalo Market, Rose plantation, Transfer to Papallacta(Breakfast /Lunch /Dinner) morning visit Peguche, known for it’s beautiful waterfall. Then, take a tour of the market in Otavalo, one of the largest in outh America run by the local tavale os. Here, enjoy the lively market atmosphere and browse the various stalls for traditional goods such as handwoven cloth and rugs, jewelry and more. Then enjoy a tour of a beautiful rose plantation. Although roses are not native to Ecuador, the country has a perfect environment for rose cultivation and is presently one of the world’s major producers. On the plantation, you’ll learn more about the farming process, from planting to exporting.This afternoon, transfer to Papallacta located in the Andes Mountains. The remainder of the day is at leisure or join the optional tour to Papallacta’s spas and hot springs, for which it is famous
Hotel Termas de Papallacta or similar★★★★★
Day 9 (21 II): Papallacta Hot Spring, visit Cotopaxi Volcano (Breakfast /Lunch /Dinner) 10:00 AM we leave Quito and after driving south for 1,5 hours on the Pan-American highway we reach the park entrance of Cotopaxi National Park. We drive through pine forest and soon reach the Visitors’center of the park. After visiting the Center we continue the ascent in our wheel drive vehicle until we reach the highest point of the tour, 4.500 meters/15.000 feet. The view from this point is stunning and on a clear day we are able to see 8 volcanoes. You can also see some kinds of hummingbirds, White-tipped Dove, Hawk, Caracara, even foxes,We can also enjoy the varied flora and fauna like chuquirahua plants.
Hotel: Hacienda La Cienega or similar★★★★
Day 10 (22 II): Quilotoa Loop, Banos de Agua Santa(Breakfast /Lunch /Dinner) the morning we will travel to Quilotoa Lake, an amazing emerald lagoon inside a volcano crater at the height of 3800m – displays a beautiful view of the Andeanmountains, passing the ancient canyon of Zumbahua and many indigenous owns and farmlands. The trip through the indigenous villages of the area provide a fantastic chance to see the real Ecuador.
Hotel: Sangay SPA or similar★★★★
Day11 (23 II): Baños de Agua Santa, Quito(Breakfast /Lunch /Dinner) t stop is in Ba os, a delightful town known for its natural hot springs. The area is also known for adventure activities such as hiking, horseback riding, rappelling, canyoning, mountain biking, swimming, river rafting, and more. we will see two famous Waterfalls, one named Manto de la ovia (Bride’s Veil), another named El Pailón del Diablo (Devil’s Cauldron), our lunch will be at Café de Cielo, it`s a unique attraction in Baños and surrounding areas due to its location. Enjoy the spectacular view of the Tungurahua volcano, the charming town of Baños and the Llanganates National Park.
Hotel: Mercure Alameda Quito or similar★★★★
Day 12 (24 II): Quito – New York (B)
Today you’ll board a flight to ret urn home. Your amazing Ecuador Galapagos trip ends.
Tour Price:$4 350
Cena zawiera
– All the international and domestic air tickets with taxes. From New York to Guayaquil , Guayaquil to Galapagos, Galapagos to Quito, Quito go back to New York.
– Included 11 nights luxury hotels. Preferred accommodations subject to change to similar class accommodations. Double occupancy.
– Admission to sightseeing spots listed in the day-to-day itinerary.
– Qualified English-speaking guides throughout the tour.
– Hotel breakfasts, lunches, Dinner, including special meal listed
– All airport transfers, from arrival date to departure date.
– All transportation between cities
– Air conditioning coach services in each city. All coaches are within 3 years old, all drivers have at least 5 years driving experiences.
– Complimentary Mineral Water
– Quality Control Managers work 24/7.
Cena nie zawiera:
-Tip – $10 dziennie od osoby
-Opłata $100 w gotówce od osoby na lotnisku Galapagos
–
Worldwide Trip Protector Lite
Note: Your state may have a specific endorsement. Please refer to the end of the document. For residents of FL, KS, MO, VA, and WA, this is not your Plan Document.
The insurance benefits are underwritten by the United States Fire Insurance Company. Fairmont Specialty and Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2015. Not all coverage is available in all jurisdictions.
***Travel Assistance non-insurance services are provided by an independent organization and not by United States Fire Insurance Company or Travel Insured International.
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YOUR TRAVEL PROTECTION PLAN
Thank you for purchasing a travel protection plan from us!
Please review the following documents carefully, they include:
CLAIMS PROCEDURES
To facilitate prompt claims settlement:
TRIP CANCELLATION/TRIP INTERRUPTION: IMMEDIATELY Call Your Travel Supplier and Travel Insured International to report Your cancellation and avoid non-Covered Expenses due to late reporting. Travel Insured International will then advise You on how to obtain the appropriate form to be completed by You and the attending Physician. If You are prevented from taking Your Covered Trip due to Sickness or Injury, You should obtain medical care immediately. We require a certification by the treating Physician at the time of Sickness or Injury that medically imposed restrictions prevented Your participation in the Covered Trip. Provide all unused transportation tickets, official receipts, etc.
TRAVEL DELAY: Obtain any specific dated documentation, which provides proof of the reason for delay (airline or Cruise line forms, medical statements, etc).
Submit this documentation along with Your Trip itinerary and all receipts from additional expenses incurred.
MEDICAL EXPENSES: Obtain receipts from the providers of service, etc., stating the amount paid and listing the diagnosis and treatment. Submit this documentation along with Your Covered Trip itinerary and all receipts from additional expenses incurred.
BAGGAGE: Obtain a statement from the Common Carrier that Your Baggage was delayed or a police report showing Your Baggage was stolen along with copies of receipts for Your purchases.
Administered by
For questions or to report a claim, contact: Travel Insured International
855 Winding Brook Drive
P.O. Box 6503
Glastonbury, CT 06033 800-243-3174
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TABLE OF CONTENTS
WORLDWIDE NON-INSURANCE ASSISTANCE SERVICES
TRAVEL INSURANCE POLICY SCHEDULE OF BENEFITS SECTION I …………………………… SECTION II …………………………… SECTION III ………………………….. SECTION IV ………………………… SECTION V ………………………… SECTION VI ………………………….
STATE ENDORSEMENTS GRIEVANCE PROCEDURES PRIVACY POLICY AND PRACTICES
EFFECTIVE DATE AND TERMINATION DATE COVERAGES
DEFINITIONS
GENERAL EXCLUSIONS AND LIMITATIONS PAYMENT OF CLAIMS
GENERAL PROVISIONS
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WORLDWIDE NON-INSURANCE ASSISTANCE SERVICES
The Travel Assistance feature provides a variety of travel related services.
Services offered include:
• Medical or Legal Referral • Inoculation Information • Hospital Admission Guarantee
• Translation Service • Lost Baggage Retrieval • Passport/Visa Information • Emergency Cash Advance • Bail Bond • Prescription Drug/Eyeglass Replacement • ID Theft Resolution Service
24/7 Worldwide Non-Insurance Assistance Services
Travel Assistance, Medical Emergency and ID Theft Resolution Service FOR EMERGENCY ASSISTANCE DURING YOUR TRIP CALL: 800-494-9907
(From US/Canada)
OR CALL COLLECT:
603-328-1707
(From all other locations)
Travel assistance non-insurance services are provided by an independent organization and not by United States Fire Insurance Company or Travel Insured International. There may be times when circumstances beyond the Assistance Company’s control hinder their endeavors to provide travel assistance services. They will, however, make all reasonable efforts to provide travel assistance services and help You resolve Your emergency situation.
AVAILABILITY OF SERVICES
You are eligible for information and concierge services at any time after You purchase this plan. The Emergency Assistance Services become available when You actually start Your Covered Trip. Emergency Assistance, Concierge and Informational Services end the earliest of: midnight on the day the program expires; when You reach Your return destination; or when You complete Your Covered Trip. The Identity Theft Resolution Services become available on Your scheduled departure date for Your Covered Trip. Services are provided only for an Identity Theft event which occurs while on Your Covered Trip. Identity Theft Resolution does not guarantee that its intervention on behalf of You will result in a particular outcome or that its efforts on behalf of You will lead to a result satisfactory to You. Identity Theft Resolution does not include and shall not assist You for thefts involving non-US bank accounts.
IDENTITY THEFT RESOLUTION SERVICES
In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to pre- event status. Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a guide on how to restore Your credit.
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Renewal: Coverage under this Policy is not renewable. Signed for United States Fire Insurance Company By:
Marc J. Adee Chairman and CEO
James Kraus Secretary
TRAVEL INSURANCE POLICY
United States Fire Insurance Company
Administrative Office: 5 Christopher Way, Eatontown, NJ 07724 (Hereinafter referred to as “the Company”)
INDIVIDUAL TRAVEL POLICY PLEASE READ THIS DOCUMENT CAREFULLY!
This Policy is issued in consideration of Your enrollment and payment of the premium due. This Policy of Insurance describes the insurance benefits underwritten by United States Fire Insurance Company, herein referred to as the Company and also referred to as We, Us and Our.
This Policy is a legal contract between You and the Company. It is important that You read Your Policy carefully. Please refer to the accompanying Confirmation of Benefits, which provides You with specific information about the program You purchased. You should contact the Company immediately if You believe that the Confirmation of Benefits is incorrect.
FOURTEEN DAY LOOK: If You are not satisfied for any reason, You may cancel insurance under this Policy by giving the Company or the agent written notice within the first to occur of the following: (a) 14 days from the Effective Date of Your Insurance; or (b) Your Scheduled Departure Date. If You do this, the Company will refund Your premium paid provided no Insured has filed a claim under this Policy.
T210-IP
6
LIMITED BENEFIT COVERAGE SCHEDULE OF BENEFITS
Listing of Benefits Travel Protection Trip Cancellation** Trip Interruption**
Maximum Limit
Trip Cost*
Trip Cost*
*Up to the lesser of the Trip Cost paid or the limit of Coverage on Your Confirmation of Benefits ** Not applicable when $0 Trip Cost displayed on Your Confirmation of Benefits
Travel Delay (12 hours)
Missed Connection (12 hours)
Change Fee
Reimbursement of Miles or Reward Points Baggage Protection
Baggage/Personal Effects
Per Article Limit
Combined Articles Limit Baggage Delay (24 hours)
Medical Protection
Accident and Sickness Medical Expense
Dental Sublimit
Emergency Evacuation/Medically Necessary Repatriation/Repatriation of Remains Optional Coverage
Applicable only when specifically requested on the application and the appropriate additional premium has been paid and purchase confirmed on Your Confirmation of Benefits.
Cancel for Work Reasons Medical Upgrade
Additional Medical Expense
Additional Emergency Evacuation/ Medically Necessary Repatriation/ Repatriation of Remains
Air Flight Only Accidental Death & Dismemberment
Rental Car Damage
$300 ($100 per day)
$300
$250
$250
$750
$250
$500
$200
$10,000
$750
$100,000
Trip Cost*
$10,000 (For a total of $20,000)
$100.000 (For a total of $200,000)
Up to Limit Purchased
$25,000
T210-IP 7
SECTION I. EFFECTIVE DATE AND TERMINATION DATE
When Coverage For Your Trip Begins – Coverage Effective Date:
Trip Cancellation: Coverage begins at 12:01 a.m. on the day after the date the appropriate premium for this Policy for Your Trip is received by the Company or its authorized representative prior to the scheduled departure time on the Scheduled Departure Date of Your Trip. This is Your “Effective Date” and time for Trip Cancellation.
Travel Delay: Coverage is in force while en route to and from the Covered Trip.
All Other Coverages: Coverage begins when You depart on the first Travel Arrangement (or alternate travel arrangement if You must use an alternate travel arrangement to reach Your Trip destination) for Your Trip. This is Your “Effective Date” and time for all other coverages, except Trip Cancellation and Travel Delay.
When Coverage For Your Trip Ends – Coverage Termination Date:
Trip Cancellation: Your coverage automatically ends on the earlier of: the date and time You depart on Your Trip; or the date and time You cancel Your Trip.
All Other Coverages: Your coverage automatically ends on the earlier of: 1) the date Your Trip is completed; 2) the Scheduled Return Date; 3) Your arrival at Your return destination on a round-trip, or the destination on a one-way trip; 4) cancellation of Your Trip covered by this Policy.
Extension of Coverage: All coverages under this Policy will be extended if Your entire Trip is covered by this Policy and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled return destination or 7 days after the Scheduled Return Date.
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SECTION II – COVERAGES
COVERAGE A TRIP CANCELLATION
Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of the Published Penalties and unused non-refundable Prepaid Payments You paid for Travel Arrangements when You are prevented from taking Your Trip due to:
provided such circumstances occur while coverage is in effect.
All cancellations must be reported to the Travel Supplier within 72 hours of the event causing the need to cancel. If the event delays the reporting of the cancellation beyond the 72 hours, the event should be reported as soon as possible. Increased amounts of Published Penalties and unused non-refundable Prepaid Payments that result from all other delays of reporting beyond 72 hours are not covered.
If Your Travel Supplier cancels Your Trip, a benefit will be paid for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of Your Trip including the airfare cost.
The maximum amount payable under this Trip Cancellation Benefit is the lesser of the total amount of coverage You purchased or the Maximum Benefit Amount shown in the Confirmation of Benefits.
Single Supplement
Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for Prepaid Travel Arrangements if a Traveling Companion’s or Family Member’s Trip is canceled for a covered reason and You do not cancel Your Trip.
These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.
COVERAGE B
TRIP INTERRUPTION
Benefits will be paid, up to the lesser of a) the Maximum Benefit Amount shown in the Confirmation of Benefits; or b) 100% of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments for unused non-refundable Travel Arrangements plus the Additional
Transportation Cost paid:
a) to join Your Trip if You must depart after Your Scheduled Departure Date or travel via
alternate travel arrangements by the most direct route possible to reach Your Trip destination
T210-IP 9
(Airfare limited to the cost of one-way airfare using the same class of fare as the original travel
ticket); or
b) to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must
interrupt Your Trip after departure, each by the most direct route possible. (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket)
Trip Interruption must be due to:
provided such circumstances occur while coverage is in effect.
The maximum payable under this Trip Interruption Benefit is the lesser of 100% of the total amount of coverage You purchased or 100% of the Maximum Benefit Amount shown in the Confirmation of Benefits.
“Other Covered Reasons” means:
T210-IP 10
Single Supplement
Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for Prepaid Travel Arrangements if a Traveling Companion’s or Family Member’s Trip is interrupted for a Covered reason and You do not interrupt Your Trip.
These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.
COVERAGE C
TRAVEL DELAY
Benefits will be paid up to $100 per day for: 1) the non-refundable, unused portion of the Prepaid expenses for Your Trip as long as the expenses are supported by proof of purchase and are not reimbursable by any other source; and 2) reasonable accommodation, meal, telephone call and local transportation expenses incurred by You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, if You are delayed for 12 hours or more while en route to or from, or
during Your Trip, due to:
These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.
COVERAGE D
MISSED CONNECTION
If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed
for 12 or more hours, due to:
a) b) c)
We will for:
a) b)
any delay of a Common Carrier (the delay must be certified by the Common Carrier); documented weather condition preventing You from getting to the point of departure; quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.
reimburse You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits,
Your Additional Transportation Cost to join Your Trip; and
Your Prepaid expenses for the unused land or water Travel Arrangements; and
T210-IP
11
c) reasonable accommodation, telephone and meal expenses up to $200 per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.
These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.
COVERAGE E
CHANGE FEE
The Company will pay a maximum of $250 for the fees associated with a change to Your air itinerary.
COVERAGE F
REIMBURSEMENT OF MILES OR REWARD POINTS
If You have Trip Cancellation Benefits under this Policy and cancel Your Trip for a Covered reason, benefits will be paid up to the Maximum Benefit Amount of $250 as shown in the Confirmation of Benefit for any penalty cost of putting the miles or reward points back in the account they were removed from. This will not duplicate any benefits paid under the Trip Cancellation Benefit and is
subject to the same General Exclusions and Limitations.
COVERAGE G
BAGGAGE AND PERSONAL EFFECTS
Benefits will be provided to You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits: (a) against all risks of permanent loss, theft or damage to Your Baggage and Personal Effects; (b) subject to all General Exclusions and the Additional Limitations and Exclusions Specific
to Baggage and Personal Effects in the Policy; and (c) occurring while coverage is in effect.
For the purposes of this benefit:
“Baggage and Personal Effects” means goods being used by You during Your Trip. Valuation and Payment of Loss: The lesser of the following amounts will be paid:
A combined maximum of $500 will be paid for jewelry; precious or semi-precious stones; watches; articles consisting in whole or in part of silver, gold or platinum; furs or articles trimmed with fur; cameras and their accessories and related equipment, computer, digital or electronic equipment or media.
A maximum of $100 will be paid for the cost of replacing a passport or visa.
A maximum of $100 will be paid for the cost associated with the unauthorized use or replacement of lost or stolen credit cards, subject to verification that You have complied with all conditions of the credit card company.
Baggage and Personal Effects does not include:
T210-IP 12
Baggage Delay: If, while on a Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 24 hours from Your time of arrival at a destination other than Your return destination, benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for the actual expenditure for necessary personal effects. You must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim.
We will reimburse You, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Confirmation of Benefits, for the cost of reasonable additional clothing and personal articles purchased by You, if Your Baggage is delayed for 24 hours or more during Your Trip.
Additional Limitations and Exclusions Specific to Baggage and Personal Effects:
Benefits are not payable for any loss caused by or resulting from:
Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay:
Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier; nor will benefits be paid for loss or damage to property specifically scheduled under any other insurance.
Additional Claims Provisions Specific to Baggage
Your Duties After Loss of or Damage to Property or Delay of Baggage: In case of loss, theft, damage or delay of baggage or personal effects, and You must:
T210-IP 13
These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.
COVERAGE H
ACCIDENT & SICKNESS MEDICAL EXPENSE
Benefits will be paid for the Covered Expense incurred, up to the Maximum Benefit Amount shown in the Confirmation of Benefits as a result of a Covered Accidental Injury or covered Sickness, which first occurs during Your Trip (of a duration of 90 days or less for Sickness). Only Covered Expenses incurred during Your Trip (of duration of 90 days or less for Sickness) will be reimbursed.
Expenses incurred after Your Trip are not covered.
Benefits will include up to $750 expenses for emergency dental treatment due to Injury to natural teeth.
Benefits will not be paid in excess of the Usual and Customary Charges.
Advance payment will be made to a Hospital, up to the Maximum Benefit Amount, if needed to secure Your admission to a Hospital, because of a Covered Accidental Injury or covered Sickness. The authorized travel assistance company will coordinate advance payment to the Hospital.
For the purpose of this benefit:
“Covered Expense” means expense incurred only for the following:
These benefits will not duplicate any benefits payable under the Policy or any coverage(s) attached to the Policy.
COVERAGE I
EMERGENCY MEDICAL EVACUATION, MEDICAL REPATRIATION
AND RETURN OF REMAINS
When You suffer loss of life for any reason or incur a Sickness or Injury during the course of Your Trip, the following benefits are payable, up to the Maximum Benefit Amount shown in the
Confirmation of Benefits.
T210-IP 14
Benefits are paid less the value of Your original unused return travel ticket.
These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.
T210-IP 15
—————————————————————————- OPTIONAL COVERAGE
OPTIONAL CANCEL FOR WORK REASONS
Applicable only when specifically requested on the original application and the appropriate additional premium has been paid and purchase confirmed on Your Confirmation of Benefits.
The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking Your Covered Trip due to the following unforeseen events:
Your application and plan cost must be received within 14 days of Your original Covered Trip deposit.
OPTIONAL AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT
Applicable only when specifically requested on the original application and the appropriate additional premium has been paid and purchase confirmed on Your Confirmation of Benefits.
We will pay the percentage of the Principal Sum shown in the Table of Losses when You sustain an Injury:
T210-IP 16
that results in a loss shown in the Table of Losses below.
The loss must occur within one hundred eighty one (181) days after the date of the Injury causing the loss.
The Principal Sum is the Maximum Benefit Amount shown on the Confirmation of Benefits. Benefits will be paid as follows:
Table of Losses |
|
Type of Loss Loss of Life |
Benefit Amount 100% of Principal Sum 100% of Principal Sum 100% of Principal Sum 100% of Principal Sum |
Loss of one hand and one foot Loss of one hand and one eye Loss of one foot and one eye Loss of one hand Loss of one foot |
100% of Principal Sum 100% of Principal Sum 100% of Principal Sum 50% of Principal Sum 50% of Principal Sum 50% of Principal Sum 25% of Principal Sum 50% of Principal Sum 50% of Principal Sum |
Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively.
Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.
Loss of Speech means the loss of the ability to talk or speak as a result of a Covered Accident. The loss must be certified by a Legally Qualified Physician that the loss of speech is permanent with no reasonable expectation of recovery.
Loss of Hearing means the total and complete loss of the ability to hear any sound as a result of a Covered Accident. The loss must be certified by a Legally Qualified Physician that the loss of hearing is permanent with no reasonable expectation of recovery.
Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one Accident.
The benefit for loss of: (a) two limbs; (b) both eyes; or (c) one limb and one eye is payable only when such loss results from the same Accident.
The Principal Sum is shown in the Confirmation of Benefits.
EXPOSURE AND DISAPPEARANCE
We will pay benefits for covered losses that result from Your being unavoidably exposed to the elements because of a Covered Accident occurring during Your Trip. The loss must occur within 365 days after the event that caused the exposure.
T210-IP 17
If, while insured under this Coverage, You are in an Accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this Coverage, and if Your body has not been found within 52 weeks from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered loss of life as a result of those Injuries.
These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.
OPTIONAL RENTAL CAR DAMAGE
Applicable only when specifically requested on the original application and the appropriate additional premium has been paid and purchase confirmed on Your Confirmation of Benefits.
You are eligible for benefits up to the Maximum Benefit Amount shown in the Confirmation of Benefits, if You rent a car while on Your Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control while in Your possession, or the car is stolen while in Your possession and is not recovered.
We will pay the lesser of:
Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.
Coverage is not provided for loss due to:
“Exotic Vehicles” means Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini. Lancia, Lotus, Maserati, Mercedes Benz, MG,
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Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls-Royce, Rover, Stutz, Sterling, Triumph, and TVR, or any antique or any car with a Manufacturers Suggested retail Price (MSRP) over $50,000.
ADDITIONAL CLAIMS PROVISIONS SPECIFIC TO RENTAL CAR DAMAGE
The following outlines Your duties in the event of any damage to the vehicle. You must:
These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.
“Accident”
“Actual Cash Value”
“Additional Transportation Cost”
“Air Carrier”
“Baggage and Personal Effects”
“Business Partner”
“Common Carrier”
“Complications of Pregnancy”
SECTION III – DEFINITIONS
means a sudden, unexpected unusual specific event that occurs at an identifiable time and place, and shall also include exposure resulting from a mishap to a conveyance in which You are traveling. means current replacement cost for items of like kind and quality.
means the actual cost incurred for one-way Economy Transportation by Common Carrier reduced by the value of an unused travel ticket.
means any air conveyance operating under a valid license for the transportation of passengers for hire.
means luggage, personal possessions and travel documents taken by You on Your Trip.
means an individual who (a) is involved in a legal general partnership with You and (b) is actively involved in the day to day management of Your business.
means any land, sea, or air conveyance operating under a valid license for the transportation of passengers for hire, not including taxicabs or rented, leased or privately owned motor vehicles.
means conditions (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include acute nephritis, nephrosis, cardiac decompensation, missed abortion and similar medical and surgical conditions of comparable severity. Complications of Pregnancy also include non-elective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.
Complications of Pregnancy does not include false labor, occasional spotting, Physician-prescribed rest during the period of
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pregnancy, morning sickness, hyperemesis
gravidarum,
“Confirmation of Benefits”
“Covered Accident” “Domestic Partner
preeclampsia and similar conditions associated with the management of a difficult pregnancy not constituting a nosologically distinct complication of pregnancy.
means a written confirmation specifying the coverages and amounts has purchased and which is delivered to following purchase.
means an Accident that occurs while coverage is in force and results in a loss for which benefits are payable.
means an opposite or same sex partner who, for at least 10 consecutive months, has resided with You and shared financial assets/obligations with You. Both You and the Domestic Partner must: (1) intend to be life partners; (2) be at least the age of consent in the state in which You both reside; and (3) be mentally competent to contract. Neither You nor the Domestic Partner can be related by blood to a degree of closeness that would prohibit a legal marriage, be married to anyone else, or have any other Domestic Partner. The Company may require proof of the Domestic Partner relationship in the form of a signed and completed affidavit of domestic partnership.
means the lowest published available transportation rate for a ticket on a Common Carrier matching the original class of transportation that You purchased for Your Trip.
means any medical treatment or surgical procedure that is not medically necessary, including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by Us to be research or experimental or that is not recognized as a generally accepted medical practice.
means any of the following: Your or Your Traveling Companion’s legal spouse (or common-law spouse where legal), legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew or Domestic Partner.
means Your primary place of residence.
means (a) a place which is licensed or recognized as a general hospital by the proper authority of the state in which it is located: (b) a place operated for the care and treatment of resident inpatients with a registered graduate nurse (RN) always on duty and with a laboratory and X-ray facility: (c) a place recognized as a general hospital by the Joint Commission on the Accreditation of Hospitals; (d) other than a residence, a place where treatment in a Hyperbaric chamber can be received. Not included is a hospital or institution licensed or used principally: (1) for the treatment or care of drug addicts or alcoholics: or (2) as a clinic continued or extended care facility, skilled nursing facility, convalescent home, rest home, nursing home or home for the aged.
means any weather condition that delays the scheduled arrival or departure of a Common Carrier.
“Economy Transportation”
“Elective Treatment and Procedures”
“Family Member”
“Home” “Hospital”
“Inclement Weather”
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“Injury” or “Injuries”
“Insured” “Intoxicated”
“Legally Qualified Physician”
“Maximum Benefit Amount”
“Medically Necessary” “Medical Treatment”
“Natural Disaster” “Pre–Existing Condition”
means bodily harm caused by an Accident which: 1) occurs while Your coverage is in effect under the Policy; and 2) requires examination and treatment by a Legally Qualified Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.
means a person(s) who is booked to travel on a Trip, and for whom the required premium is paid, also referred to as You and Your.
means a blood alcohol level that equals or exceeds the legal limit for operating a motor vehicle in the state or jurisdiction where You are located at the time of an incident.
means a physician: (a) other than You, a Traveling Companion or a Family Member; (b) practicing within the scope of his or her license; and (c) recognized as a physician in the place where the services are rendered.
means the maximum amount payable for coverage provided to You as shown in the Schedule.
means a service which is appropriate and consistent with the treatment of the condition in accordance with accepted standards of community practice.
means examination and treatment by a Legally Qualified Physician for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted reasonable person to seek diagnosis, care or treatment.
means a flood, hurricane, tornado, earthquake, mudslide, tsunami, avalanche, landslide, volcanic eruption, fire, wildfire or blizzard that is due to natural causes.
means an illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or a Family Member: 1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.
means any published cancellation penalties levied by Your travel agency or travel supplier that apply to all clients of the travel agency or travel supplier and can be documented at time of Your purchase of Travel Arrangements from Your travel agency.
means the date on which You are originally scheduled to leave on Your Trip.
“Published Penalties”
“Scheduled Departure Date”
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“Scheduled Return Date”
“Sickness” “Strike”
“Terrorist Incident”
“Third Party”
“Transportation Expense”
“Travel Arrangements”
“Traveling Companion”
“Travel Supplier” “Trip”
“Us”, “We”, “Our”
“Usual and Customary Charges”
means the date on which You are originally scheduled to return to the point of origin or the original final destination of Your Trip.
means an illness or disease of the body which: 1) requires examination and treatment by a Legally Qualified Physician, and 2) commences while Your coverage is in effect.
means any organized and legally sanctioned labor disagreement resulting in a stoppage of work: (a) as a result of a combined effort of workers which was unannounced and unpublished at the time travel services were purchased; and (b) which interferes with the normal departure and arrival of a Common Carrier.
means an act of violence, that is deemed terrorism by the United States Government other than civil disorder or riot (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting alone or in association with other persons on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any other government.
means a person or entity other than You or the Company.
means the cost of Medically Necessary conveyance, personnel, services or supplies.
means: (a) transportation; (b) accommodations; and (c) other specified services arranged by the Travel Supplier for Your Trip. Air arrangements covered by this definition also include any direct round trip air flights booked by others, to and from Your Scheduled Trip Departure and return cities, provided the dates of travel for the air flights are within 7 total days of Your scheduled Trip dates. means a person or persons whose names appear with Yours on the same Travel Arrangements and who, during Your Trip, will accompany You.
means any entity or organization that coordinates or supplies travel services for You.
means a scheduled trip for which coverage for Travel Arrangements is requested and the premium is paid prior to Your actual or Scheduled Departure Date of Your Trip.
means United States Fire Insurance Company.
means those comparable charges for similar treatment, services
and supplies in the geographic area where treatment is performed.
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SECTION IV. GENERAL EXCLUSIONS AND LIMITATIONS
Benefits are not payable for any loss due to, arising or resulting from:
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EXCESS INSURANCE LIMITATION
The insurance provided by this Policy, except Optional Air Flight Only Accidental Death and Dismemberment, shall be in excess of all other valid and collectible Insurance or indemnity. If at the time of the occurrence of any loss there is other valid and collectible insurance or indemnity in place, the Company shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable deductible. Recovery of losses from other parties does not result in a refund of premium paid.
SECTION V – PAYMENT OF CLAIMS
Claim Procedures: Notice of Claim: Notice of claim must be reported within 20 days after a loss occurs or as soon as is reasonably possible. You or someone on Your behalf may give the notice. The notice should be given to Us or Our designated representative and should include sufficient information to identify You.
Claim Procedures: Claim Forms: When notice of claim is received by Us or Our designated representative, forms for filing proof of loss will be furnished. If these forms are not sent within 15 days, the proof of loss requirements can be met by You sending Us a written statement of what happened. This statement must be received within the time given for filing proof of loss.
Claim Procedures: Proof of Loss: Proof of loss must be provided within 90 days after the date of the loss or as soon as is reasonably possible. Proof must, however, be furnished no later than 12 months from the time it is otherwise required, except in the absence of legal capacity.
Payment of Claims: When Paid: We, or Our designated representative, will pay the claim after receipt of acceptable proof of loss.
Payment of Claims: To Whom Paid: Benefits for loss of life will be paid to Your designated beneficiary. If a beneficiary is not otherwise designated by You, benefits for loss of life will be paid to the first of the following surviving preference beneficiaries:
All other Benefits will be paid directly to You, unless otherwise directed. Any accrued benefits unpaid at Your death will be paid to Your estate. If You have assigned Your benefits, We will honor the assignment if a signed copy has been filed with us. We are not responsible for the validity of any assignment.
All or a portion of all benefits provided by the Policy may, at Our option, be paid directly to the provider of the service(s) to You. All benefits not paid to the provider will be paid to You.
If any benefit is payable to: (a) an Insured who is a minor or otherwise not able to give a valid release; or (b) an Insured’s estate, We may pay any amount due under the Policy to Insured’s beneficiary or any relative whom We find entitled to the payment. Any payment made in good faith shall fully discharge Us to any party to the extent of such payment.
Subrogation: If the Company has made a payment for a loss under this Policy, and the person to or for whom payment was made has a right to recover damages from the Third Party responsible for the loss, the Company will be subrogated to that right. You shall help the Company exercise the Company’s rights in any reasonable way that the Company may request: nor do anything after the loss to prejudice the Company’s rights: and in the event You recover damages from the Third Party responsible for the loss, You will hold the proceeds of the recover for the Company in trust and reimburse the Company to the extent of the Company’s previous payment for the loss.
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SECTION VI – GENERAL PROVISIONS
Entire Contract: Changes: This Policy, Confirmation of Benefits and any attachments are the entire contract of insurance. No agent may change it in any way. Only an officer of the Company can approve a change. Any such change must be shown in this Policy or its attachments. Beneficiary Designation and Change: The Insured’s beneficiary(ies) is (are) the person(s) designated by and on file with the Company/administrator.
An Insured over the age of majority and legally competent may change his or her beneficiary designation at any time, unless an irrevocable designation has been made, without the consent of the designated beneficiary(ies), by providing the Company/administrator with a written request for change. When the request is received, whether is then living or not, the change of beneficiary will relate back to and take effect as of the date of execution of the written request, but without prejudice to the Company on account of any payment made by it prior to receipt of the request. Misstatement of Age: If premiums are based on age and the Insured has misstated his or her age, there will be a fair adjustment of premiums based on his or her true age. If the benefits for which is insured are based on age and the Insured has misstated his or her age, there will be an adjustment of said benefit based on his or her true age. The Company may require satisfactory proof of age before paying any claim.
Physician Examination and Autopsy: The Company, at the expense of the Company, may have You examined when and as often as is reasonable while the claim is pending. The Company may have an autopsy done (at the expense of the Company) where it is not forbidden by law.
Legal Actions: All policy terms will be interpreted under the laws of the state in which the Policy was issued. No legal action may be brought to recover on the Policy within 60 days after written Proof of Loss has been furnished. No legal action for a claim may be brought against Us after 3 years from the time written Proof of Loss is required to be furnished.
Concealment and Misrepresentation: The entire coverage will be void, if before, during or after a loss, any material fact or circumstance relating to this Policy or claim has been concealed or misrepresented.
Other Insurance with the Company: You may be covered under only one travel Policy with the Company for each Trip. If You are covered under more than one such Policy, You may select the coverage that is to remain in effect. In the event of death, the selection will be made by the beneficiary or estate. Premiums paid (less claims paid) will be refunded for the duplicate coverage that does not remain in effect.
Reductions in the Amount of Insurance: The applicable benefit amount will be reduced by the amount of benefits, if any, previously paid for any loss or damage under this Policy for Your Trip. Payment of Premium: Coverage is not effective unless all premium has been paid to the Company/administrator prior to a date of loss or insured occurrence.
Termination of This Policy: Termination of this Policy will not affect a claim for Loss which occurs while the Policy is in force.
Transfer of Coverage: Coverage under this Policy cannot be transferred to anyone else. Controlling Law: Any part of this Policy that conflicts with the state law where this Policy is issued is changed to meet the requirements of that state’s law.
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STATE ENDORSEMENTS
The Amendatory Endorsements are attached to and made a part of the Policy issued to the Insured. The provisions of the Amendatory Endorsements are effective on the Effective Date and will expire concurrently with the Policy, unless otherwise terminated.
ARKANSAS INDIVIDUAL AMENDATORY ENDORSEMENT The Policy/Certificate are hereby amended for Arkansas as follows:
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CALIFORNIA AMENDATORY ENDORSEMENT The Policy/Certificate are hereby amended for California as follows:
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Extension of Coverage:
All coverages under this Policy will be extended if Your entire Trip is covered by this Policy and Your return is delayed due to a Trip Interruption, or Missed Connection, or Travel Delay. This extension of coverage will end on the earlier of the date You reach Your originally scheduled return destination or 7 days after the Scheduled Return Date.
The fact that a Legally Qualified Physician may prescribe, authorize, or direct a service does not of itself make it Medically Necessary or covered by this Policy.
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solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.
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Extension of Coverage:
All coverages under this Policy will be extended if Your entire Trip is covered by this Policy and Your return is delayed due to a Trip Interruption, or Missed Connection, or Travel Delay. This extension of coverage will end on the earlier of the date You reach Your originally scheduled return destination or 7 days after the Scheduled Return Date.
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The Policy is hereby amended for Connecticut as follows:
CONNECTICUT INDIVIDUAL AMENDATORY ENDORSEMENT
1. The following Exclusion 9. in SECTION IV GENERAL EXCLUSIONS is deleted and replaced
as follows:
9. no indemnity will be paid for loss caused by the voluntary use of any controlled substance as defined in Title II of the Comprehensive Drug Abuse Prevention and Control Act of 1970, as now or hereafter amended, unless as prescribed by the Insured’s Legally Qualified Physician;
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law. You shall help the Company exercise the Company’s rights in any reasonable way that the Company may request: nor do anything after the loss to prejudice the Company’s rights: and in the event You recover damages from the Third Party responsible for the loss, You will hold the proceeds of the recover for the Company in trust and reimburse the Company to the extent of the Company’s previous payment for the loss, as permitted by law.
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DISTRICT OF COLUMBIA INDIVIDUAL AMENDATORY ENDORSEMENT The Policy is hereby amended for District of Columbia as follows:
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The Policy is hereby amended for Georgia as follows:
GEORGIA INDIVIDUAL AMENDATORY ENDORSEMENT
1. The following will appear at the end of the Annual Insurance Policy Effective and
Termination Date provision in SECTION 1. EFFECTIVE DATE AND TERMINATION DATE:
Required Georgia Statement Regarding Annual Policy Cancellation Request by the Insured: Upon receipt of Your written request to cancel Your Annual Policy, the Company will refund the unearned premium on a short rate basis.
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must be documented in a Travel Warning issued by the United States’ Department of State advising Americans to avoid that certain country.
4. The Concealment and Misrepresentation provision appearing in SECTION VI GENERAL PROVISIONS is deleted and replaced as follows:
Concealment and Misrepresentation: The entire coverage will be cancelled, if before, during or after a loss, any material fact or circumstance relating to this insurance has been concealed or misrepresented.
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HAWAII INDIVIDUAL AMENDATORY ENDORSEMENT The Policy is hereby amended for Hawaii as follows:
The following is added to SECTION VI GENERAL PROVISIONS as follows:
Representations: All statements made by You are deemed representations and not warranties. No statement made by You shall be used in any contest unless a copy of the instrument containing the statement is or has been furnished to You or to Your beneficiary, if any. A misrepresentation, unless it is made with actual intent to deceive or unless it materially affects the acceptance of the risk assumed by the Company, shall not prevent a recovery under the Policy.
T210-AE HI2
The Policy is hereby amended for Idaho as follows:
IDAHO INDIVIDUAL AMENDATORY ENDORSEMENT
T210-AE ID2
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ILLINOIS INDIVIDUAL AMENDATORY ENDORSEMENT The Policy is hereby amended for Illinois as follows:
A. Item b.(i) under “Other Covered Reasons” in both COVERAGE A TRIP CANCELLATION and COVERAGE B TRIP INTERRUPTION appearing in SECTION II. COVERAGES is deleted and replaced as follows:
(i) the building structure itself is unstable and there is a risk of collapse;
E. Item 1) in the definition of “Pre-Existing Condition” appearing in SECTION III. DEFINITIONS is deleted and replaced as follows:
1) received or received a recommendation for a test, examination, or medical treatment for a condition which manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment;
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1) received or received a recommendation for a test, examination, or medical treatment for a condition which manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment;
T210-AE IL2
The Policy is hereby amended for Louisiana as follows:
LOUISIANA INDIVIDUAL AMENDATORY ENDORSEMENT
1. The definition of Domestic Partner appearing in SECTION III DEFINITIONS is deleted and will
not appear.
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be subrogated to that right. However, the Company’s right to recover is subordinate to Your right to be fully compensated.
T210-AE LA2
The Policy is hereby amended for Maryland as follows:
MARYLAND INDIVIDUAL AMENDATORY ENDORSEMENT
1. The Concealment and Misrepresentation provision appearing in SECTION VI GENERAL
PROVISIONS is deleted and replaced as follows:
Concealment and Misrepresentation: The entire coverage will be cancelled, if before, during or after a loss, any material fact or circumstance relating to this insurance has been concealed or misrepresented.
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The Policy is hereby amended for Maine as follows:
MAINE INDIVIDUAL AMENDATORY ENDORSEMENT
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3. The bottom three Types of Losses in OPTIONAL COVERAGE AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT in SECTION II COVERAGES are deleted and replaced as follows:
Loss of thumb and index finger of the same hand Loss of Speech
Loss of Hearing Both Ears
100% of Principal Sum 100% of Principal Sum 100% of Principal Sum
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MINNESOTA INDIVIDUAL AMENDATORY ENDORSEMENT The Policy is hereby amended for Minnesota as follows:
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The Policy is hereby amended for Nebraska as follows:
NEBRASKA INDIVIDUAL AMENDATORY ENDORSEMENT
A. In Exclusion 4. appearing in SECTION IV GENERAL EXCLUSIONS, the reference to “races”
is changed to “organized races”.
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OHIO INDIVIDUAL AMENDATORY ENDORSEMENT The Policy is hereby amended for Ohio as follows:
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OKLAHOMA INDIVIDUAL AMENDATORY ENDORSEMENT The Policy is hereby amended for Oklahoma as follows:
1. At 12:01 a.m. standard time on the date following the end of the period for which any required premium has been paid; or
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any relative whom We find entitled to the payment. Any payment made in good faith shall fully discharge Us to any party to the extent of such payment.
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The Policy is hereby amended for Rhode Island as follows:
RHODE ISLAND INDIVIDUAL AMENDATORY ENDORSEMENT
1. The definition of Family Member in SECTION III DEFINITIONS is deleted and replaced as
follows:
“Family Member” means any of the following: Your or Your Traveling Companion’s legal spouse (or common-law spouse where legal), legal guardian or ward, son or daughter (adopted, foster, step or in- law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in- law), grandchild, aunt, uncle, niece or nephew, a person who is a party to a civil union with You as Your dependent and spouse, a person who is a party to a same sex marriage with You as Your dependent and spouse, or Domestic Partner.
2. The Time of Payment of Claims provision in SECTION VI GENERAL PROVISIONS is deleted and replaced as follows:
Time of Payment of Claims: We, or Our designated representative, will pay the claim within 60 days after receipt of acceptable proof of loss.
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SOUTH CAROLINA INDIVIDUAL AMENDATORY ENDORSEMENT The Policy is hereby amended for South Carolina as follows:
1. The Payment of Claims: To Whom Paid: provision in SECTION V PAYMENT OF CLAIMS is deleted and replaced as follows:
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Payment of Claims: To Whom Paid: Benefits will be paid to the Insured. Loss of Life benefits are payable in accordance with the beneficiary designation in effect at the time of payment. If none is then in effect, the benefits will be paid to the Insured’s estate. Any other benefits unpaid at death may be paid, at the Company’s option, either to the Insured’s beneficiary or estate.
2. The Physical Examination and Autopsy and Legal Actions provisions in SECTION VI GENERAL PROVISIONS are deleted and replaced as follows:
Physical Examination and Autopsy: The Company at its own expense may have the Insured examined as often as reasonably necessary while a claim is pending and in cases of death of the Insured the Company at its own expense also may have an autopsy performed during the period of contestability unless prohibited by law. The autopsy must be performed in South Carolina.
Legal Actions: No legal action may be brought to recover on this Policy within sixty days after written proof of loss has been given as required by this Policy. No such action may be brought after six years from the time written proof of loss is required to be given.
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SOUTH DAKOTA INDIVIDUAL AMENDATORY ENDORSEMENT The Policy is hereby amended for South Dakota as follows:
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TENNESSEE INDIVIDUAL AMENDATORY ENDORSEMENT The Policy is hereby amended for Tennessee as follows:
1. The last sentence in the first paragraph of the definition of “Complications of Pregnancy” appearing in SECTION III DEFINITIONS is deleted and replaced as follows:
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Complications of Pregnancy also includes pre-eclampsia, nonelective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.
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UTAH INDIVIDUAL AMENDATORY ENDORSEMENTS The Policy is hereby amended for Utah as follows:
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T210-AE UT2
The Policy is hereby amended for Utah as follows:
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The Policy is hereby amended for Vermont as follows:
VERMONT INDIVIDUAL AMENDATORY ENDORSEMENT
A. The references to “Usual and Customary” appearing in COVERAGES H and I in SECTION II
COVERAGES are replaced by “Reasonable and Necessary”.
7. participating in bodily contact sports parachuting except parasailing, extreme skiing,
skiing outside marked trails or heli-skiing, any race in a professional capacity, speed
contests not including any of the regatta races, spelunking or caving;
biological, radiological);
Payment of Claims: When Paid provision appearing in SECTION V PAYMENT OF
D. The
CLAIMS is deleted and replaced as follows:
Payment of Claims: When Paid: We, or Our designated representative, after settlement has been agreed upon, will pay the claim in the agreed amount within 10 working days.
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Vermont law regarding civil unions: Vermont law requires that insurance policies and certificates offered to married persons and their families be made available to parties to a civil union and their families. In order to receive benefits in accordance with Vermont law regarding civil unions, the civil union must be established in the state of Vermont according to Vermont law. It is understood that definitions and provisions within this Policy designating Insured, Eligible Person, Family Member, You/and or Your and another other policy definitions and provisions designating an Insured under this Policy are amended, whenever appearing, where terms denoting a marital relationship or family relationship arising out of a marriage are used to indicate parties to a civil union and their families under Vermont law.
Vermont Controlling Law: Any provision of the Policy, which is in direct conflict with the laws, regulations and statutes of the state of Vermont, will be governed by the laws, regulations and statutes of the state of Vermont as of the effective date of the Policy.
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The Policy is hereby amended for Wyoming as follows:
WYOMING INDIVIDUAL AMENDATORY ENDORSEMENT
1. In the definition of Pre-Existing Condition appearing in SECTION III DEFINITIONS, Item 1)
is deleted and replaced as follows:
1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, resulting in actual diagnosis, care or treatment received;
2. In the Pre-Existing Condition Exclusion provision appearing in SECTION IV GENERAL EXCLUSIONS, Item 1) is deleted and replaced as follows:
1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, resulting in actual diagnosis, care or treatment received;
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If there is a conflict between the Policy and the Endorsements, the terms of this Endorsement will govern.
Signed for United States Fire Insurance Company By:
Marc J. Adee James Kraus Chairman and CEO Secretary
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GRIEVANCE PROCEDURES
When you submit a claim and that claim is denied, we will provide a written statement containing the reasons for the Adverse Determination. You have the right to request a review of any Company decision or action pertaining to our contractual relationship and to appeal any adverse claim determination we’ve made by filing a Grievance. These procedures have been developed to ensure a full investigation of a Grievance through a formal process.
DEFINITIONS
A “Grievance” is a written complaint requesting a change to a previous claim decision, claims payment, the handling or reimbursement of health care services, or other matters pertaining to your
coverage and our contractual relationship.
An “Adverse Determination” is a determination by the Company or its designated utilization review organization that (i) a service, treatment, drug, or device, is experimental, investigational, specifically limited or excluded by your coverage; or (ii) a facility admission, the availability of care, continued stay or other health care services proposed or furnished have been reviewed and, based upon the information provided, does not meet the contractual requirements for medical necessity, appropriateness, health care setting, level of care or effectiveness and therefore, the benefit coverage is denied, reduced or terminated in whole or in part.
INFORMAL GRIEVANCE PROCEDURE
You, your authorized representative, or a provider acting on your behalf may submit an oral complaint to us within 60-days after an event that causes a dispute. Telephoning allows you to discuss your complaint or concerns and gives us the opportunity to immediately resolve the problem.
If we don’t have all the information necessary to review your complaint, we will request any additional information within 5 business days of receiving your complaint. After we receive all the necessary information, we will provide you, your authorized representative, or a provider acting on your behalf with our written decision within 30-days after receiving the complaint and all necessary information.
If the problem cannot be resolved in this manner, you still have the right to submit a written request for the complaint to be reviewed through the Formal Grievance Procedure, as outlined below.
FORMAL GRIEVANCE PROCEDURE
A formal Grievance may be submitted by you, your authorized representative, or in the event of an Adverse Determination, by a provider acting on your behalf.
If you file a formal Grievance, you will have the opportunity to submit written comments, documents, records and other information you feel are relevant to the Grievance, regardless of whether those materials were considered in the initial Adverse Determination.
First Level Review
Within 3 working business days after receiving the Grievance, we must acknowledge the Grievance and provide you, your authorized representative or a provider with the name, address, and telephone number of the coordinator handling the Grievance and information on how to submit
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written material. The person(s) who reviews the Grievance will not be the same person(s) who made the initial Adverse Determination. During the review, all information, documents, and other materials submitted relating to the claim will be considered, regardless of whether they were considered in making the previous claim decision. The Insured will not be allowed to attend, or have a representative attend, a First Level Review. The Insured may, however, submit written material for consideration by the reviewer(s).
Grievance
When the Grievance is based in whole or in part on a medical judgment, the review will be conducted by, or in consultation with, a medical doctor with appropriate training and expertise to evaluate the matter.
Following our review of your Grievance, we must issue a written decision to you and, if applicable, to your representative or provider, within 20-days after receiving the Grievance. The written decision must include:
Second Level Review
The Second Level Review process is available if you are not satisfied with the outcome of the First level Review for an Adverse Determination. Within ten business days after receiving a request for a Second Level Review, we will advise you of the following:
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reasonable accessible to you. In cases where a face-to-face meeting is not practical for geographic reasons, we will offer you the opportunity to communicate with the review panel at our expense by conference call or other appropriate technology. Your right to a full review may not be conditioned on whether or not you appear at the meeting.
If you choose to be represented by an attorney, we may also be represented by an attorney. If we choose to have an attorney present to represent our interests, we will notify you at least 15 working days in advance of the review that an attorney will be present and that you may wish to obtain legal representation of your own.
The panel must be comprised of persons who:
A person previously involved in the Grievance may appear before the panel to present information or answer questions.
All persons reviewing a Second Level Grievance involving a Utilization Review non-certification or a clinical issue will be providers who have appropriate expertise, including at least one clinical peer. If we use a clinical peer on an appeal of a Utilization Review non-certification or on a First Level Review, we may use one of our employees on the Second Level Review panel if the panel is comprised of 3 or more persons.
Grievance
We must issue a written decision to you and, if applicable, to your representative or provider, within 10 business days after completing the review meeting. The decision must include:
EXPEDITED REVIEW
You are eligible for an expedited review when the timeframes for an Informal, formal First Level review or Second Level review would reasonably appear to seriously jeopardize your life or health, or your ability to regain maximum function. An expedited review is also available for all Grievances concerning an admission, availability of care, continued stay or health care service for a person who has received emergency services, but who has not been discharged from a facility.
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A request for an expedited review may be submitted orally or in writing. An expedited review must be evaluated by an appropriate clinical peer in the same or similar specialty as would typically manage the case being reviewed. If we don’t have the information necessary to decide an appeal, we will send you notification of precisely what is required within 24-hours of our receipt of your Grievance. All necessary information, including our decision, will be transmitted by telephone, facsimile, or the most expeditious method available. Provided we have enough information to make a decision, you, your authorized representative, or a provider acting on your behalf will be notified of the determination as expeditiously as the medical condition requires, but in no event more than 72-hours after the review has commenced. Written confirmation of our decision will be provided within 2 working business days of the decision and will contain the same items described in the written decision requirements for First Level reviews.
If the expedited review does not resolve the situation, you, your representative or a provider acting on your behalf may submit a written Grievance.
We will not provide an expedited review for retrospective reviews of Adverse Determinations.
PRIVACY POLICY AND PRACTICES
The Company values your business and your trust. In order to administer insurance policies and provide you with effective customer service, we must collect certain information about our customers. We want you to know that we are committed to protecting your private information and we will comply with all federal and state privacy laws. Below is a Privacy Notice describing our policy regarding the collection and disclosure of personal information. Please review this Notice and keep a copy of it with your records.
Your Privacy is Our Concern
When you apply to The Company for insurance or make a claim against a policy written by The Company, you disclose information about yourself to us. There are legal requirements governing the collection, use, and disclosure of such information. The Company maintains physical, electronic, and procedural safeguards that comply with state and federal regulations to guard your personal information. We also limit employee access to personally identifiable information to those with a business reason for knowing such information. The Company instructs our employees as to the importance of the confidentiality of personal information, and takes measures to enforce employee privacy responsibilities.
What kind of information do we collect about you and from whom?
We obtain most of our information from you. The application or claim form you complete, as well as any additional information you provide, generally gives us most of the information we need to know. Sometimes we may contact you by phone or mail to obtain additional information. We may use information about you from other transactions with us, our affiliates, or others. Depending on the nature of your insurance transaction, we may need additional information about you or other individuals proposed for coverage. We may obtain the additional information we need from third parties, such as other insurance companies or agents, government agencies, medical personnel, the state motor vehicle department, information clearinghouses, credit reporting agencies, courts, or public records. A report from a consumer reporting agency may contain information as to creditworthiness, credit standing, credit capacity, character, general reputation, hobbies, occupation, personal characteristics, or mode of living.
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What do we do with the information collected about you?
If coverage is declined or the charge for coverage is increased because of information contained in a consumer report we obtained, we will inform you, as required by state law or the federal Fair Credit Reporting Act. We will also give you the name and address of the consumer reporting agency making the report. We may retain information about our former customers and may disclose that information to affiliates and non-affiliates only as described in this notice.
To whom do we disclose information about you?
We may disclose all the information that we collect about you, as described above. We may disclose such information about you to our affiliated companies, such as:
Dodatkowo ubezpieczenie związane ze zwrotem pieniędzy za nie wykorzystany wyjazd można wykupić prywatnie. Oto kilka propozycji, oczywiście są one zróżnicowane w cenach:
1. Polisa w której nie trzeba poddawać przyczyny rezygnacji bez uwarunkowań czasowych
2. Polisa w której trzeba podać przyczynę i musi to być powód zdrowotny musi być wykupiona do 21 dni od wpłaty zaliczki
3. Polisa w której trzeba podać przyczynę i może to być wypadek, nagle zachorowanie, zagubiony paszport i inne wypadki losowe musza być wykupione nie później niż 30 dni przed wylotem.
Agencja ubezpieczeniowa- kliknąć na ten napis
Turysta Travel Agency / 616 Manhattan Ave Brooklyn, NY 11222 / Greenpoint. Tel. 718 383-4010 turysta@poltur.net
Konsekwencje rezygnacji z wyjazdu:
Cancellation for customers:
All cancellations must be done in writing. Verbal cancellation by phone will not be accepted. Written notice of cancellation must be received by K&M International Travel Inc either by email. The following cancellation fees for published tour programs will be imposed on a per-person basis according to the date of receipt and acknowledgment for such cancellation:
a) 120 more days prior to departure date $300 per person
b) 120-91 days prior to departure date 25% of tour fare
c) 90-61 days prior to departure date 50% of tour fare
d) 60-46 days prior to departure date 75% of tour fare
e) 45 days or less prior to departure date 100% of tour fare
Rezygnacja z wyjazdu:
Wszystkie odwołania muszą być sporządzone na piśmie. Ustne anulowanie przez telefon nie będzie akceptowane. Pisemne powiadomienie o rezygnacji musi zostać odebrane przez K & M International Travel Inc. pocztą elektroniczną. Następujące opłaty za anulowanie w przypadku opublikowanych programów wycieczek będą nałożone na osobę na podstawie daty otrzymania i potwierdzenia takiego anulowania:
a) 120 dni i więcej przed datą wyjazdu 300 USD za osobę
b) 120-91 dni przed datą wyjazdu 25% ceny wyjazdu
c) 90-61 dni przed datą wyjazdu 50% ceny wyjazdu
d) 60-46 dni przed datą wyjazdu 75% ceny wyjazdue) 45 dni lub krócej przed datą wyjazdu 100% ceny wyjazdu.
To są regulacje agencji K&M International Travel Inc. Jeśli znajdziemy kogoś na miejsce osoby rezygnującej, to wtedy możemy otrzymać 100% zwrotu lub potrącamy sumę za zmianę biletu lotniczego.
13FEB /14FEB – Guayaquil
Unipark by Oro Verde Hotels
Clemente Ballén 406 y Chile, Clemente Ballén 406, Guayaquil 090313, Ecuador
+593 4-232-7100
14FEB /17FEB – Santa Cruz
Hotel Fiesta
Moises Brito, Puerto Ayora, Ecuador
+593 5-252-6440
17FEB /18FEB – Quito
Holiday Inn Express Quito
Av. Orellana, Pichincha E6-54, Quito 170517, Ecuador
+593 2-299-7300
18FEB /19FEB – Mindo
Terra Bambu Logo
Mindo, Ecuador
+593 9-840-82-862
19FEB /20FEB – Otavalo
Puertolago Country Inn
Lago San Pablo, Otavalo, Ecuador
+593 62895060
20FEB /21FEB – Papallacta
Termas de Papallacta
65 via Quito – Baeza, Papallacta, Ecuador
+593 6-263-5400
21FEB /22FEB – Cotopaxi
Tambopaxi Lodge (In the park)
Area Nacional de Recreacion El Boliche, Ecuador
+593 2-600-0365
22FEB /23FEB – Banos
Hacienda Leito
Banos, Ecuador
+593 3-306-3196
23FEB /24FEB – Quito
Holiday Inn Express Quito
Av. Orellana, Pichincha E6-54, Quito 170517, Ecuador
+593 2-299-7300
Uwaga:
Wylot z Nowego Jorku JFK o godz. 5:30 rano z terminalu 4. Linie lotnicze Avianca
Spotykamy się na w hali odlotów o godz. 3:00 rano.
Możemy zabrać 1 główny bagaż o maksymalnej wadze 23 kg. (50 pounds). Wymiary: wysokość + długość + szerokość nie mogą przekroczyć 158 cm (52 in.). Bagaż podręczny.
Cena zawiera: wszystkie przeloty międzynarodowe i krajowe, autobusy miedzy miastami i w miastach, dwuosobowe pokoje w 4 gwiazdkowych hotelach, bilety do zwiedzanych miejsc, przewodnik w języku angielski (w miarę potrzeby także z języku polskim), pełne wyżywienie według załączonego programu, transfery z lotniska. Cena nie zawiera napiwków. Więcej informacji na ten temat znajdziemy na dole programu.
Jak najszybciej proszę przesłać mailem: rkoper2@gmail.com , pocztą lub dostarczyć osobiście pod adres: Rev. Ryszard Koper 101-41 91st Street, Ozone Park, NY 11416
W formularzu zgłoszeniowym (czerwona ramka) proszę zaznaczyć z kim chcę zamieszkać w pokoju.
Więcej informacji można otrzymać, pisząc pod adres: podroznik.ny@gmail.com lub dzwoniąc pod numer tel. 347 8763738 /ks. Ryszard / 347 683 2630 /pani Małgosia/.
Pogoda na Galapagos
Pogoda w Quito (stolica)
W górach może być chłodniej
Serdecznie zapraszamy.
Ekwador leży w Ameryce Południowej. Jego nazwa związana jest z równikowym położeniem, ponieważ „ecuador” po hiszpańsku oznacza równik. Kraj ten przyciąga turystów ośnieżonymi szczytami Andów, lasami tropikalnymi i niesamowitym światem indiańskich społeczności. Stolica tego kraju Quito wpisana jest na listę UNESCO. Kiedy Hiszpanie podbili Ekwador w XVI w., kraj ten od dziesięcioleci był częścią Królestwa Inków.
Ekwador jest ojczyzną tysiąca sześciuset czterdziestu gatunków ptaków, ponad miliona gatunków owadów, w tym około czterech i pół tysiąca odmian motyli, ponad siedmiuset gatunków gadów i płazów, ponad dwustu pięćdziesięciu gatunków ssaków, około dwudziestu pięciu tysięcy odmian drzew, prawie trzech tysięcy rodzajów storczyków
W odległości ok.1000 km. od lądu stałego znajdują się należące do Ekwadoru Wyspy Galapagos, na których zachowała się jedyna w swoim rodzaju archaiczna fauna – ponad 400 unikalnych gatunków zwierząt i roślin. W skład archipelagu wchodzi 13 większych wysp, 6 mniejszych oraz 40 maleńkich wysepek. Galapagos to raj dla botaników i wszystkich kochających przyrodę. Wyspy słyną z licznych endemitów – obszarów, na których żyją gatunki niewystępujące nigdzie indziej na świecie.
Recenzje
Na razie nie ma opinii o produkcie.