A long time ago, I did a phone session with a T that I used to see, because I was home sick. I still wanted to talk to my T, but didn't feel well enough to make the drive in (and didn't want to spread my cold germs).

I preferred it! I get so anxious in therapy, and have such a hard time talking... on the phone, I was safe and comfy at home... and found it easier to talk a bit when I could be "invisible".

In this case, if you're not going to be able to physically get to therapy because of other things going on - I'd bet the phone sessions would still be helpful. If nothing else, they'd give you a chance to check in with your T, which might be helpful (depending on what else is going on).