Trip Mate Insurance Reviews

I would never purchase travel insurance by Trip Mate, Viking, Generali Global Assistance & Insurance Services or their new name ReadyOn. It took us a stack of paperwork 5" thick to send in for our medical reason. They kept asking for more and more information, trying to put us off. The stress alone should have made them realize they needed to pay the claim. We could not take our trip due to Hip Surgery. A cancel for any reason plan does not mean anything to them.

To anyone that is contemplating paying for this service stop. Don’t don’t do it, my name is Pastor **, my daughter is Disabled and Carnival cruise line couldn’t accommodate my Daughter on the cruise we booked, so Trip Mate wouldn’t honor my claim, in regards to my family flight a cancellation, the American Disability Act, we are looking to file a civil suit or class action lawsuit, contact me at ** on Facebook, Inbox me on Facebook.

Wise move on my part to have purchased the travel insurance for my costly trip. Immediate family member moved to hospice about 1 week before my departure date. I was directly involved with his end of life care. I completed all documentation as listed in the TripMate instructions. Physician meticulously completed her form. I submitted any other substantiating documents which I thought would corroborate my claim; you are your best advocate. I did make a couple of inquiries by phone after my initial submission and prior to my initial approval, which was just under 4 weeks after my claim submission.

I am writing this review in hope that Trip Mate will respond to me about my claim. Briefly, I had a minor accident while vacationing in S.C. I had purchased Trip Mate Damage insurance via Frontier Air as I purchased plane tickets. Since I had purchased T.M. insurance, I felt no worry. It seems I was very wrong. TripMate makes it difficult. You can hardly ever talk to a customer service person and they want everything sent to computer. I tried to send necessary docs vis mail, and it came back. They would not accept it.

This company is basically a SCAM! Paid $290 and when my doctor informed me that I can not travel - fly, and definitely not out of the country, we filed the claim, and Trip Mate's own medical form was completed with the diagnosis, ICD codes, etc. They still denied. So now I have to pay for the flights $2000 and we have to use the tickets by March, 2027, and I may not be able to afford the trip at that time. SCAM! Also, customer service is neither! The agents have NO clue and you can never speak with anyone who has the knowledge nor authority to do anything.

Tripmate refuses to compensate us for additional airfare we had to pay out of pocket. We have submitted documentation 4 times with all the required documents and they continue to refuse to pay.

I bought travel insurance from Trip Mate. I got sick on a trip and billed them for the $1500 they should reimburse me. They paid me $135. I will never never never ever ever ever use Trip Mate again. Update: I've just taken my Trip Mate complaint to the New Jersey Department of Insurance. Wish me luck. I will need it.

My wife and I recently went on a group tour to Egypt through Odysseys Unlimited. We paid for our trip insurance through them, which is Trip Mate. Halfway through our trip, both of us were injured in a fall, which required us to go to an ER in Egypt. We had to pay cash for the emergency room visit, trays and medication. We submitted the claim for reimbursement to Trip Mate, and have been denied. The total amount is only around $300, which is amazingly low. If such a small amount would be denied, I can't imagine they would pay out for anything. We travel extensively and I will never use Trip Mate insurance again. I will also be letting everyone I know about their denial of claim. My next call is to Odysseys Unlimited to voice my displeasure with their choice of trip insurance. I may never use Odyssey again either.

I purchased a ticket and added insurance to cover any unexpected situations. Unfortunately, the claims process has been extremely frustrating. They required me to cancel my flight before I could even begin the insurance claim. After months of submitting all the requested documentation including detailed reports from medical specialists they continue to ask for additional information. It feels as though the process is intentionally complicated to discourage customers from filing claims. I would not recommend purchasing this type of insurance, nor buying tickets through third parties. It is much better to purchase directly from the airline. Overall, this was a very disappointing experience for my family, especially considering the flight was booked a year in advance.

I filed a claim with TripMate for a trip to Atlantis at Nassau Bahamas. The day I was scheduled to leave, on Sunday, 09.28.25 there was a verified storm which closed the Nassau Bahamas' airport. All fights there were canceled. Delta rebooked me and my travel companion the next day with no hassle or charge. Atlantis would not refund or extend my booking for the lost day, and advised me to utilize the travel insurance I had purchased.

I'd advise hard working parents to think twice before you start making payments for your child to enjoy a school trip and Trip mate is the insurance claim company. You are better off booking a trip elsewhere. My child went through a hard time and needed to start counseling about two months before the trip. I've decided to cancel because she wasn't mentally prepared to be alone on a trip away from home. Well... Claim denied they kept about $430. Thankfully, I didn't pay more!!

I am extremely frustrated with this company!! My husband and I booked a Viking River boat trip on the Rhine Getaway. I bought My Trip Mate insurance. On Oct 10 we left San Francisco we arrived in Vancouver Canada. We were denied boarding to continue our flight to Frankfurt, due to my Husband's Passport was reported lost or stolen. We gave documentation from the US Consulate in Canada and from Air Canada. Stating that his passport was compromised. I'm still waiting for "MY TRIP MATE" Insurance to resolve this issue. Page 26 #8 is covered if your passport is stolen. Delay, Delay, Delay!!! Why buy insurance if nothing is covered?

My wife and I had planned a cruise to Antarctica and purchased Trip Mate insurance. While we were in the air from Detroit to Santiago Chile, there was an email sent from Antartic 21 Cruise line that the ship was broken and the trip cancelled. Imagine the feelings after taking 2 weeks off of work and coordinating with 7 family members. I filed a claim as soon as we returned home with all the information. It has been 6 weeks now and other than being told that unused airfares are not covered, questioning why we had a few nights of hotels in Santiago and that there is no one to speak to regarding our claim, DO NOT USE THIS COMPANY!!!! Sincerely, Matt and Wendy

Do NOT use this co for your travel insurance! I have been dealing with them for 3 months now. I was denied my money back for my trip cancellation which I agree with however I did receive a resort credit (which is a voucher for the resort) to travel within a certain time period. Here’s the problem, I have made approximately 15 phone calls, sent numerous emails and all I get is the run around. I finally received one voucher but NOT one for my spouse, so here goes again same oh crap with poor customer service that offer absolutely no help! There are much better travel insurance co out there, I’ll definitely be looking elsewhere!

Prior to our July 2025 Viking European River Cruise we purchased TripMate travel insurance. During the cruise I got Pneumonia and we had to abandon our trip. I went to a hospital and my wife went to a hotel. I spent six days in the hospital and three additional days in the hotel before flying home. We saved all receipts: food, taxi, hotel, airfare etc. I contacted TripMate after we got home. You have to act fast as they don't give you much of a grace period before filing a claim. The process was complicated by the fact that the claim form was confusing and very poorly designed. I printed out on paper all our receipts and other pertinent information and mailed it all in. Their response was not quick, but in the end they paid 100 percent of my claim.

Fraud. Go to a reputable company. I complied with the terms in all ways, yet they refuse to honor my claim. I had two physicians send letters supporting my claim. They then indicated the refusal was due to a preexisting condition from 2017 (arthritis) and refused to pay despite clear evidence that the policy should cover. This policy was part of a booking at the Atlantis in the Bahamas. They back this fraud, so I would never go there as well. I've complained to the US consumer protection and state insurance commissioners.

Do not use this company! Our claim was approved in October. We have yet to get a refund, we get nothing but excuses and the agents lie to get you off the phone. Even after a linked in escalation to an executive we still have nothing. Just a claim number that say refund processing.

Absolute horrible review. We secured camp insurance for my daughter, who had to go to the hospital then the camp refused to take her back because of her medical issues. The insurance wouldn't cover a dime of treatment, despite her being brought to the hospital and treated, which should be covered under the plan.

We were scheduled for a Christmas cruise on the Danube costing $14.000. Because of airport closures, an aborted landing to miss another plane on the runway, airline staffing issues and we missed the flight. We had already been in route for 13 hours and to continue to get to the cruise, we would have to wait another 26 hours missing half of the cruise. We were devastated to find out that TripMate will only reimburse us about $500 apiece with no description whatsoever on how they adjudicated the claim.

My claim was denied after experiencing a spontaneous patellar tendon rupture. With all documents provided from the resort physician and the ER, Trip Mate made an assumption I was intoxicated and fell. The documents showed I was not intoxicated, and this injury typically occurs without trauma. I will be securing an attorney as I'm sure I'm not the first person they've done this to.

Do not use Trip Mate, they find many excuses to not reimburse. We got sick with COVID towards end of our cruise and notified the cruise and canceled our extension trip after the cruise. Viking said to contact TripMate, We wrote many, many times. Every time there was a new excuse asking for more documents, and after 6 months, they are denying our claim.

Re: Overseas Adventure Tour (OAT) trip to Scotland and Ireland July 13-August 10, 2025. Our flight was cancelled over 12 hours (overnight). We booked a hotel room to get to the airport for 5:20am boarding. Our room was not paid for because our residence is (barely) less than 50 miles from the airport (even though they advertise that benefits are paid up to $400 per day for lodging and meals when you are delayed 12 consecutive hours or more).

We bought Trip Mate travel insurance for my husband's 50th birthday trip to Jamaica in December 2025. Hurricane Melissa devastated the resort so we contacted Sandals. They advised us to file a claim with Trip Mate. After the run-around with Trip Mate and Sandals, who each blamed the other, Trip Mate sent us travel vouchers. Now, keep in mind this was a $9,000.00 vacation that was paid in full. We worked overtime to pay for this trip and they never told us we would get travel vouchers until my husband called today for an update. Buyers beware!!! I would give zero stars if it was an option.

This company is either a scam or run by soulless robots. I booked a trip to go from NY to Florida to see my dad who went into the hospital after a fall. He got sicker and they transferred him to hospice. He was given 2 weeks to 3 months to live. Sadly, he took a turn for the worse and died the night I booked the trip. I’m also going through cancer treatment and after a month of submitting all the documents they requested, I was denied a refund. My father died too soon after booking. They will find any excuse to deny you, a very disappointing experience.

After 10 trips using TripMate for travel insurance we had to file a claim because our flight was cancelled and we missed one day of our tour. TripMate denied our claim stating that the reason for cancellation was not covered. It was crew shortage which in my view is just as much of a mechanical issue as something not working on the plane. Claim ID **.