Trip Mate Insurance Reviews

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 **.

Trip Mate is the insurance that is covering our high school aged daughter’s travel. When we were signing up, the communication was that it could be cancelled for essentially any reason (within reason) due to the nature of the coverage, it being for high schoolers, etc. We found out we would no longer be able to have our child attend her trip (which doesn’t even occur for a year yet), due to having to move out of state. They refused citing that she wasn’t hospitalized, or some crazy thing. Again I recognize we didn’t read the fine print well enough, we were blinded by the claims they would be covering for basically anything, which is why we purchased.

We booked a Bahamas Atlantis vacation. Cat 5 hurricane headed towards the Bahamas and cancellation was NOT covered!! We’re out $1500. Do not use this company!! How can a pending hurricane not be covered?

I purchased travel insurance through TripMate for my daughter’s school trip, which we had to cancel because she is no longer a student and was no longer allowed to attend. We submitted everything they asked for, and it’s been months now with no resolution. Every time I contact them, I’m told the refund is “processing” or “on the way” — but it never actually comes. We’re out both the trip and the money, and it feels like we’re being strung along with empty promises. This has been incredibly frustrating and disappointing. Travel insurance is supposed to provide peace of mind — not make a stressful situation worse. I would not recommend TripMate to anyone.

Submitted a claim on 6/23 for a missed connection due to flight delay. Had to call Trip Mate 3 weeks after submitting the claim form to check on the status. Received email noticed a day later saying they actually did receive the documents. 1 week later, received another request from Trip Mate for more documents, including a totally unrelated outgoing flight, submitted the documents on the same day. Had to call Trip Mate again 2 weeks later to see if the documents were received. Received email the same day saying receipt of documents. Bottom line is, customers have to follow up every step of the way otherwise nothing will get processed. It has been at least 6 weeks since I submitted my claim and I have yet to receive any determination from Trip Mate and that is after the agent told me during the 2nd call that he would request an “expedited” process for me.

Updated on 07/06/2025: As before, TripMate isn't offering a reasonable response. This is my reply to the company: "This information wasn't made clear to us at our time of purchase. What people need to be aware of is that the voucher is only good for one year, only at a Sandals/Beaches resort, and non transferable. The voucher is of no use to us."

I am writing to express my profound disappointment with Trip Mate's travel insurance service. This was my first time using their company, and it will certainly be my last. I filed a claim almost a month and a half ago, and to date, I have received absolutely no meaningful updates. Every time I call for information, the representatives simply repeat the same details available on their website. This is an unbelievable lack of customer service. I have dealt with various insurance companies in the past, and I have never encountered such lengthy delays or a complete absence of transparent communication when processing a legitimate claim.

0 Rating. Trip Mate refuse to give refund for flight cancellation that was booked to attend a funeral, due to unforeseen reasons I can not explain here the travel plans had to be cancelled, however TripMate is aware of the circumstances. I’ve been trying to get my refund for over 4 months now. And every time. I check into the claim they request more information or documents, which I have provided to them on every request, yet they continue to start over the process every time more information is requested. Now after 4 months they have made a decision and refuse my claim and not to give me my money back. $2000 is a lot of money to lose out on. DO NOT PURCHASE TRAVEL INSURANCE FROM TRIPMATE…. File a complaint on the BBB.

Worst airline claims service. I filed my claims in February, and they are still pending review. The last time I called on 05/09, customer service said it's approved, and I will get my refunds in 7 business days. Today, May 22, I called, and they said it's still in review. Just for one claim, it's taken 4 months to process. What a joke. Do not pay insurance on top of your airline ticket. That is only a scam to get extra dollars from your pocket.

Sarah from Crystal Lake, IL. I suffered a tibial plateau fracture in Buenos Aires, Argentina, on my first evening of my Odysseys Unlimited Patagonia tour. I had to have emergency surgery two days later. Despite needing emergency help, we got nothing from our TripMate insurance people. They did not reply to numerous phone calls and messages, finally telling us that they needed a “Fit to Fly” form filled out before they would do anything. The doctors would not release me as “Fit to Fly” until fifteen days later. We had to move to a hotel until that time.

It's clear that the goal is to collect premiums and to deny claims. Very, very slow chat response. Requirements for more documentation than required for a passport. Phone calls are handled by first denier, then ridiculous requests for documentation. Essentially a scam company. They do not provide insurance. They just collect premiums.

I spent over 90 minutes collecting all of the information required by Trip Mate when I made my initial claim. Also, their service was down so I had to mail my claim thru another company as they were not taking online claims. After a month of hearing nothing, they emailed me a response that requested everything that I'd already sent be sent in an online form. They also requested information that was impossible for me to obtain (ie. the specific reason why my carrier cancelled my flight in written form in English). I was on an India flight. After another frustrated hour of recollecting my things, I gave up and wrote this review instead. The flight reimbursement never happened and they closed my claim without any further announcement or review.

Trip Mate is famously (see below for other reviews) terrible. We filled out every portion of the extensive documentation they sent us. And guess what? They claimed something was missing. From somewhere. We have no idea where. And added they had sent us the complaint (to the wrong address. Of course). We phoned them and asked for a supervisor. Guess what???? Right.

Won't pay your claim, total scam. They will find a way to take your money. Total waste of time to pay for this. Never again would I waste my time to get travel insurance since they make it way too hard to get money back.

I added Trip Mate insurance to our trip on the Danube River, I submitted a claim and was rewarded by a confusing letter from Trip Mate denying my claim. I paid money to this scamming company to cover my trip and now all I get is a denial. This company should be denied from preying on travelers and I will never use them again. They are a total scam who gives you excuses why they won't pay. Buyer beware.

My disabled daughter and I took Amtrak train to Glacier National Park. Our train on way home was cancelled. Had to find another Hotel to stay at. Next day got on train. Took whole extra day, delayed meeting adjoining train home. Had to stay in hotel a second night and then home. We sent in all what happened in more detail, all our receipts and even a letter from one of the Amtrack people. I have called and emailed several times, and they say they never received it and can't help me. I bought this insurance in case of something like this. We were 3 days late home all due to Amtrak fault, and we are not getting reimbursed at all what we are supposed to. Even after I offered to send copies of the photocopies, I had of what I sent.

Our American Airlines flight from Lafayette, La to Dallas, Tx on 12/10/2024 was delayed and our connecting flight from Dallas Tx to Burbank Ca was missed, so we were put on another AA flight and bumped down from business class to coach and rerouted to LAX. We had to take a bus and an Uber to get back home, many hours later. I called American the following day and was told we would be refunded the price difference from business to coach...but not to me. The refund would go to the credit card that booked the flight. I used a AAA travel agent to book the flight, who in turn used a different travel agency to charge the flight on their credit card. I agreed on travel insurance, because of the winter weather, and have used TripMate in the past. I paid AAA who in turn paid the travel agency who in turn paid American. I called AAA, the Travel Agency, American Airlines and Trip Mate to find out where my money was.

The worst customer service ever encountered! After 2 appeals since August of '24, I finally got a denial and I have given up as they are the bottom of the barrel. Coverages do not correlate with their outcomes and subjective decisions! Never again! Too bad that Viking (top notch) is affiliated with such a low end business. They need to regroup in this one!

Tripmate is a scam. We arrived at the airport missing a Passport. We reschedule our flight so we could go home and find it. We could not find it. I reported it stolen and applied for a new one. I had to cancel the trip and flights. I sent all the documentation to Tripmate. They denied my claim because I did not have a police report. What a waste of time and money. Why does Sandals offer such a useless insurance on their Website.

Terrible. We had a severe spinal stenosis, and could not fly, fully documented. Still has not paid claim 5 months later. Worst example of an insurance scam I have seen. Completely unethical. Save yourself a big headache, and use another insurance company.

Buyer beware of Trip Mate Insurance. I'm not sure why Viking Cruises partners with Trip Mate. I would encourage anyone considering Trip Mate for travel insurance to run in the other direction. I booked a Viking Cruise in June of 2023. The Viking rep strongly encouraged me to purchase "their insurance" for the cruise which I did as I believed Viking to be a reputable business. The cruise was booked for December 2025. The cost of the insurance was $2985.00. I had to pay Viking in full for the cruise by August 31st, 2023. I had to cancel the cruise in November 2024 due to a job change which is a covered reason for cancellation per Trip Mate Terms and Conditions.