Why travel insurance and a good agent is crucial!

When you book a vacation, you normally don't think of natural disasters or emergencies that may occur during your planned time of travel. Unfortunately, these events can happen. Such was the case on the east coast this past weekend. I am a fairly new part time travel agent but am becoming experienced rather quickly. I had a client, her companion and 4 kids booked to fly out Sunday, August 28th out of Philadelphia...the day the hurricane was set to hit. Luckily, I convinced her early on to purchase travel insurance which she did but we still wanted to get her on her vacation! After I placed numerous phone calls all day Friday to both the airline, the vacation vendor and to the resort, she got out on Saturday morning- the day before with no additional charge for her plane tickets or her resort! I can say with confidence, had she booked this trip online herself, she would not have been able to accomplish the change in airline or resort. In addition to that travel ordeal, once she arrived to the resort, she decided she not like it at all. I initially gave her my opinion of this resort that she chose. I have never personally been there but the reviews were less than desirable and I actually recommended another resort. She disregarded my opinion and chose this resort anyway. Back to the phone I went while being in the middle of a hurricane with no power. After being on hold for 40 minutes, then being transferred a few times, I was able to get her into another resort. Again, without a travel agent, I doubt this could be accomplished. TIP- Listen to your travel agent. They do their research. ;) My point is, you can find online deals or you can even book directly through a resort or a cruise line. But you will not get the level of service that you will find with a personal travel agent. You will also get the same rates and sometimes even better rates with an agent than you would directly. Also, travel insurance is a must and it is less expensive to get it through an agent than through the cruise line in a majority of cases. Be smart. Compare prices and services. I personally live for my vacations so taking every precaution to ensure you have a memorable vacation should be extremely important! :)

Tags: General discussion travel-insurance agent

14 Answers

I also am a firm believer in purchasing travel/trip interruption insurance! On my first cruise in Feb. 2010, 1 of our group of 4 chose not to fly to Texas until the morning of our Carnival cruise on the Ecstasy. Of course, a blizzard hit our Ohio, causing her delayed arrival to Houston and to the Port of Galveston, then she stood by and watched us sail away. Absolutely all her costs were refunded to her; airline ticket, cruise fee, round trip taxi from/to Bush Intercontinental Airport, and Carnival/airline provided a complimentary night at a hotel and meal vouchers! This is not something to try to 'save money on', just do it!
Right on! I am currently trying to convince another client to purchase insurance on his Carnival cruise. The cruise itself is only $400 but insurance is only $27! He is flying out of NJ in February! I think it's a no-brainer.. don't risk it!
Who and how do I take out insurance for our Norwegian cruise? Please let me know. Thank you so much, Anita
Hi Anita, It depends on if you have made final payment yet or not? Feel free to give me a call if you need some help.
Eaton Travel.... Yes I have paid in full for our cruise on Nov. 27, 2011. I did not take out insurance, and did not realize that if I didn't when I called and booked our cruise, that I would not be able to add it later. So I guess I am just out of luck. I will try to call you tomorrow. Thank you for answering my question.
If you or anyone in your party has a pre-existing medical condition, it is imperative to purchase insurance. Hey, you never know. Also if you live anywhere it might snow when you are travelling. We always use a TA. They specialize in cruises and find us the best deal.
We have ALWAYS purchased trip insurance. As for Amozark, you are not ourt of luck. If you go to www.travelinsurancereview.net, you can compare the various companies, and what their requirements are, and the price. We ALWAYS deal with our TA, (she is absolutely the greatest!) and we've gotten insurance through her, as well as on our own through the web. As for TA's, it is absolutely imperative you find a good one. So many out there say they deal with cruises, when in fact, all they know about cruising is what they read in the brochures.
Hi Anita, You can still book insurance with a extremely reputable company to cover not only your cruise costs but also your air and other necessary things.
Anita - You can still book insurance to cover what you need but if you have a pre-existing medical condition there will be a look back period and that period of time will be dependent upon the company you choose. If you have not seen the doctor for anything in that period you should be fine. Also note that there are other conditions for which insurance will not cover your flights such as if your scheduled departure or arrival is not at least 5 hours prior to scheduled departure or arrival of ship. Insurance is a complicated matter and while some believe they should just go to a website and buy it perhaps your travel agent is the one that will know if you will even have the correct coverage because they know your schedule and will not suggest certain flights, etc. that would render the insurance useless.
Thank you Pat for the information, time and trouble.


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