If Ever There Was a Reason…

….to use a travel agent and purchase travel insurance, it is now. Now that Hurricane Irma has dissipated, we can sit back and assess the situation and what could have been.

Can you imagine being on an island in the Caribbean, knowing that a hurricane is headed your way in less than a week? Your flight is cancelled and you have limited internet and phone access. This could be a terrifying situation, but if you booked through a travel agent, you may have someone who might be able to help you. It may not always be the case that an agent can get someone out of a sticky situation such as this one, but wouldn’t you want to have someone who would be around to at least try to get you off the island?

I was fortunate that I didn’t have anyone in a situation like this when Hurricane Irma began her voyage through the Caribbean, but I did spend several hours on hold with Disney to reschedule an upcoming trip that was affected by her arrival. While this isn’t quite as big of a deal as being stuck in the hurricane itself, it was nice for my client to have someone else to deal with waiting on the phone all morning instead of having to do it herself.

When it comes to travel insurance, some people like to gawk at the price and choose the least expensive option, if purchasing any at all. Yes, most of the time you probably won’t have to file a claim, but it happens. In fact, it probably happened for a lot of people this week. Imagine the same scenario I described above in which you are stuck on a Caribbean island staring a hurricane directly in the eye. Even if your airline hasn’t cancelled your flight, you may want to leave on an earlier one to be sure you are off the island when it hits. This means you might have to be ok with forfieting what you already paid for the flight you no longer want to take AND pay for a last-minute flight that leaves earlier. Depending on how much your policy pays out for claims, you may end up spending all your claim money (maybe even more!) just to get home, so it might be worth it to make sure your policy pays out more than 100% of your trip cost for trip interruption benefits.

No, travel insurance doesn’t cover everything, but it covers some of the things you might encounter, and I cannot stress enough how important it is to have some sort of medical insurance when you leave the country; you may not have as much coverage (or any coverage at all) as you think through your primary medical insurance plan outside the United States. Also, all travel insurance policies are different, so be sure to read the fine print and ask any questions necessary.

What I have taken from the situations of the past week has been how important it is to have some sort of coverage to fall back on, as well as how important it could be to have someone standing in your corner when this kind of thing goes down. Just something to consider for your next trip…

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