CNH Tours - Cultural and Natural Heritage Tours Galapagos
A Note on Insurance
While some travel companies require mandatory insurance, CNH Tours leaves it up to every traveler to make his or her informed decision on the acquisition of travel insurance. We recognize that you may have existing policies that might cover all or part of your needs, and we give you the benefit of the doubt when deciding on these matters. We nevertheless highly recommend ensuring that your most basic needs are covered. Before looking into a particular product, you should take stock of your existing insurance policies (e.g. home / life, medical) to see if your needs may already be covered there.
Though basic "field" first aid facilities are available on ships, our guests are asked to recognize and accept that in case of injury or illness while cruising in Galapagos, medical facilities and personnel may be as long as 24 hours away in the town of Puerto Ayora, Galapagos for typical rural hospital type medical attention, and possibly up to 48 hours away in Quito for more specialized attention. Guests may want to consider acquiring emergency medical evacuation insurance (air transport) for transfer from the Galapagos airport to the mainland (otherwise, transportation is available only via the regularly scheduled commercial passenger airplane, three times a day). Guests accept that CNH Tours cannot be held responsible for delays in obtaining medical attention or the possible inadequacy of attention available.
Proof of Insurance is mandatory: Ecuador now requires all incoming visitors to carry travel medical insurance. You may be asked to present proof of insurance upon your international arrival. For this reason, a copy of your insurance certificate and contact details should be carried with other travel documents in your hand luggage. For more information on this subject, please see the heading Health/ Travel Insurance in our online Galapagos Voyage Guide.
Health / Travel Insurance: You can buy insurance to cover just about any eventuality / need. Of course, this comes at a price. It is up to you to determine the extent to which you wish to be covered. We recommend that you purchase a comprehensive travel insurance policy to protect you and your investment before and during your trip. Though CNH Tours will do its utmost to reimburse your expenses even beyond our own refund policies, we are limited in what we can do by the policies of third parties with whom we do business (e.g. ship owners, hotels).
Comprehensive trip insurance includes:
- Trip cancellation and interruption
- Travel and baggage delay
- Loss of baggage and travel documents
- Emergency assistance
- Medical expense and
NB. This list is not exhaustive and you may have extenuating circumstances that may call for additional insurance. CNH Tours encourages all of its guests to consult with a qualified insurance agent to ensure that all of your travel needs are adequately covered (and all pre-existing conditions are disclosed at the time of purchase).
List of insurance providers: The following are a few companies you might want to research both on and off line. There are many more out there, and naming those below does not consist of a particular endorsement on our part.
The following are a few companies you might want to research both on and off line:
CSA Travel Protection www.csatravelprotection.com
Travel Guard International: (800) 826-1300 www.travel-guard.com
Travel Insurance Services: (800) 937-1387 www.travelinsure.com
TravelInsured International: (800) 243-3174 www.travelinsured.com
Insure My Trip: www.insuremytrip.com
Essential Travel www.essentialtravel.co.uk
Travel Insurance Online www.travel-insurance-online.com
Squaremouth : www.squaremouth.com
Blue Cross Canada : www.bluecross.ca/travelinsurance.html
TD Canada Trust Travel Medical Insurance: www.tdcanadatrust.com/tdinsurance/travel/quote.jsp
Travel Guard Canada: www.travelguard.ca/
Insure My Trip: www.insuremytrip.com
Most policies cover trip cancellation and interruption, travel and baggage delay, loss of baggage and travel documents, emergency assistance, medical expense and evacuation/repatriation.
RESPONSIBILITY OF THE TRAVELLER:
You can obtain a great deal of information and advice from medical and travel industry professionals to help prevent health problems while abroad. However, you must accept that in the end, you are responsible for your health and well-being while travelling, and upon your return, as well as for preventing the transmission of communicable diseases to others. The following are the main responsibilities to be accepted by the traveller:
- the decision to travel
- recognition and acceptance of any risks involved
- seeking health advice from professional medical sources in good time, preferably 4-8 weeks before travel
- compliance with recommended vaccinations and other prescribed medication and health measures
- carrying suitable medical kit for your personal use
- obtaining adequate insurance cover
- being aware of, and implementing health precautions before, during and after the journey
- responsibility for obtaining a physician's letter pertaining to any prescription medicines, syringes, etc. being carried, when necessary
- precautions to avoid transmitting any infectious disease to others during, and after, travel
- careful reporting of any illness on return, including information about all recent travel.