Q – We have been doing mostly vacations in the West and Southwest – two exotic parts of the world given that we live in South Burlington, Vermont. But now that I have tried my last case I think we are ready to do some intensive travel. I am an information gatherer and am ready to start my “files” on Croatia as well as a cruise out of Hong Kong to Singapore. Two questions – do I really need to use a travel agent and pay all the fees and how does the consumer get real information about insurance coverage? Really appreciate your efforts on this site. It really is a breadth of fresh travel air.
A – There are several myths surrounding the use of a travel agent, advisor, or consultant (they are all somewhat different by the way). The biggest myth is that you pay more to use one. In fact, the full commission tot he agent is built into all pricing, every single travel product the consumer purchases from hotels rooms, to escorted tours, to cruises. You are always paying for the agent so it kind of makes sense to take advantage of what they have to offer. The better advisors normally have access to preferred rates as well – better than what you, representing no one, can negotiate on your own. So, unless you are in the mood to try your case with every cruise line you book and every hotel where you stay, demanding a refund of that commission because you never used an agent, you are likely better off using a good agent’s services.
Here is one quick example: Last year, 91% of our clients did not pay anything for our services. Our services were free because the commission to our firm is already built into every price. The consumer usually has no understanding as to how this possible and they just don’t demand their proper refund when they book directly because no one ever told them that they could.
Insurance is a shorter answer. In virtually every state, it is illegal for a non-registered insurance agent, such as a travel advisor, to “evaluate or interpret the technical terms, benefits, or conditions” of a policy a consumer is considering. There are two ways to conquer insurance:
01 – Read the best consumer articles about travel insurance in publications like the New York Times or Consumer Reports.
02 – Call the Customer Service line at the insurance company you are considering. They will/should answer all of your specific questions.
One final insurance thought: After all the analysis is completed, you are likely going to receive the best coverage from one of the more expensive policies.
