[nitroxbabe]

My brother-in-law, my husband & myself traveled to Belize last year. We all purchased travel insurance through a travel agent (from whom we had booked the trip).

A hurricane was threatening the area when we were due to go. This was NOT reason enough, in the insurer's opinion, to reschedule our trip. (Fortunately the hurricane bypassed us, leaving us with only cool and overcast days).

My brother-in-law broke up with his girlfriend, who was also booked to go with us, right before the trip. Imagine how upset he was when he was told he was not entitled to a refund, nor could a buddy of his use the trip instead of the girlfriend.

I will never again use a travel agent, nor will I waste my money on travel insurance.

Just MHO, of course.