Q. Why should I use a travel agent?

A. You may be thinking travel agents are a thing of the past, another career made obsolete by the abundance of resources available to us online. Even with all of this information on the internet, the reason to use a travel agent is just as relevant now as it ever was. The amount of information you can find out there is simply overwhelming.

Are you finding the best deal? Can you trust the site you're using? What are the restrictions and entry requirements for a particular country? Do I need a visa, passport, firstborn, or a blood test? Just kidding about the firstborn or blood test but the other two are legitimate questions.

A travel agent has this information and more and can find you the best deal, saving you time, money, and stress.

Q. Why do I need travel protection?

A. Most travel insurance plans cover medical emergencies, trip cancellation, trip interruption, delays, medical evacuation, and lost, damaged, or stolen luggage. Depending on what plan you buy and when you buy it, travel insurance can also cover rental-car damage, pre-existing conditions, and trip cancellation for any reason.

Q. Are there certain things travel protection does NOT cover?

A. Travel insurance doesn't cover everything that you might do or experience on your trip. These can include:

• Extreme sports where the chance of death or injury is high

• Things you may do under the influence of controlled substances

• Fear of traveling to countries, such as those listed on the State Department's Do Not Travel list

• Learning to fly a plane

• Playing professional sports

• Pregnancy

• Medical travel

• And many more