Oh my! I remember that earthquake. I can't believe you two were almost there when it happened! Well, I should believe it I guess. You two somehow attract disaster! That really stinks that you lost all of your deposits, but I'm glad that you learned a valuable lesson. If you had purchased comprehensive travel insurance from a reputable company at the time, your losses may not have been so great.
Considering the number of earthquakes and hurricanes recently, I'm glad travel insurance plans now have coverage for them. I'm sorry that you had to learn the hard way, but I'm so happy that you and Frank have had so many adventures since then and didn't let that experience leave a bad taste in your mouth for traveling!
Some Travelex plans will allow travelers to recoup 100% of their travel investment if the hotel or surrounding areas are affected by a natural disaster. Covered disasters include earthquakes, hurricanes, and tornadoes.
If you had been covered by the correct Travelex plan (which I know you will be from now on because you two always go prepared) your hotel deposit and tour costs may not have been lost.