Trip Mate Insurance Reviews

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.

If I was able to give less than a star I would. I purchased trip protection from World Nomads for a trip my wife and I took to Nepal. Unfortunately both my wife and I fell very sick after making it to Everest Base Camp and climbing Ama Dablam. We were rushed to a hospital and had to sent to Kathmandu by helicopter and had to stay 4 days in a hospital. We spent over $7,500 between the flight and hospital feeling secure that we had coverage and would be reimbursed. This was in November. After several phone calls trying to navigate their claim submission we submitted our claim on 11/27/2024. It is now 02/04/2025 and I still have no resolution to my claim. I will never use World Nomads or anything related to Trip Mates again

We are dealing with terrible customer service from TripMate. We booked my "dream vacation" for my 50th Birthday Dec, 2024. A Western Mediterranean Cruise. I started to feel nauseous on the long flight to Rome. Once we got to the hotel in Rome the day before the cruise I started to get worse. I was so sick, weak and body shakes, etc. So we went to the ER in Rome. (That is another story, a terrible experience one at that.). The ER was less than helpful and didn't do much after hrs. After returning back to the hotel I was not feeling any better. We cancelled the cruise in fear of getting worse on the ship and having to be medivaced to another hospital. We had to rebook flights next day to return to the US. I did not want to go back to that horrible hospital. Upon speaking with Tripmate they said to scan and email all documents and proof of expenses, etc.

Updated on 01/28/2025: Well after all the crap and all the complaints made about Trip Mate they have paid my claim! What a fight just to get what was truly owed! I still not done yet. Will also be notifying attorney general’s office! This company is doing people so wrong something needs to be done.

Buyers beware. Trip Mate Insurance is nothing more than a scam. They will not cover anything. They just steal your money, the customer service is deplorable and the majority of their staff are incompetent. DO NOT BUY their Insurance to protect your travel experiences.

I am very unhappy with my experiences with TripMate Insurance. I booked an flight from Dallas Tx to Houston Tx and canceled it well within the time required by the guidelines of the insurance policy. After filing the claim and receiving a seven page claim form for myself and my doctor to fill out was complied with the insurance company delay the claim and insisting more information and documents from the airlines and my doctor to sign. Information they already had access to, they showed me that they never intended to honor the contract by giving me the runaround. I would never use Trip mate services again nor will I use any booking site affiliated with them again nor would I recommend it for anyone. My name is Columbus ** and I swear this statement to be true.

I had to cancel my trip to Jamaica due to the fact the Orlando Airport shut down because of a hurricane which in turn my connecting flight was canceled. I called Couples Resort and canceled my reservation because I had no way of getting there. I then called Trip Mate to ask them my next step. The gentleman I spoke to asked if the flights were canceled yet. I said no but, the airport shut down. He then stated that I should have not canceled my room yet and I messed everything up. I called Couples back 15 minutes later and re-established my room. Couples had to give me a new booking number even though I was still getting the same room for the same dates. The airline then canceled the flights the next day. I then called Couples back and canceled the reservation again.

Since returning from our trip, I have submitted about 20 emails and 40 documents to tripmate. When I questioned why additional redundant doc was needed I was told the claim adjuster will not work the claim unless I sent the requested doc. IMO… It’s a runaround delay tactic to not pay our claim. Viking Cruises scheduled the doctor for us.. My husband and I were diagnosed with bronchitis and acute respiratory illness. We were prescribed antibiotics and bed rest. What is the problem with Trip Mate honoring our insurance claim? So far, I have spent at least 8 hours collecting, copying, scanning, and emailing them doc. Ridiculous amount of time for two doctor visits. So far - after about a month - I have not been sent any compensation for our out of pocket medical expenses.

Trip Mate has used the exact same reason for the delay in payment for the second time.. In 2020 we had to cancel a trip because I was diagnosed with cancer. This year we took the same trip we didn't go on in 2020. This time my wife got ill half way through the trip and we were dropped from the tour. (Another complaint with CIE Tours.) Both trips were covered by TripMate and both claim payments were delayed for about 3 to 4 months after being approved for the exact same excuse.

Worst experience ever! I had to cancel a Viking cruise due to a disabling and sudden medical condition. After 6 months of haggling, providing documentation, repeat doctor appointments just so that she could personally fill out forms because it was not allowed that her office staff fill out the forms for her signature, etc. After the second and unfounded denial, I finally filed a complaint with the Missouri Insurance Commission. Surprise, a few days later my claim was suddenly approved! They still took several weeks to mail my reimbursement though. If you’re still having a hard time collecting on a legitimate claim I would highly recommend contacting the Missouri Insurance Commission. They were really helpful and nice.

Booked a honeymoon vacation at a Sandals Resort which was told make sure I purchase travel insurance. What a waste of money. Our flight was cancelled while we were in Jamaica leaving us wondering how we were going to make it home and where we would stay till the next flight out would be in TWO days. The extra days was $1000. The insurance was $250. Tripmate only gave us $600 back. I will never use this company again or even stay at a Sandals. Truly unhappy from day one.

If I could give them zero stars I would! I have been dealing with my claim for about 3 months. Submitted 30+ pages of info including a detailed history of all my flight delays and issues leading to missing an entire trip. First they only reimburse me for a day and when I called and explained I missed my whole trip they said they would relook at it. After a month I call back and it never was never reopened and they wanted me to email them and I refused since they didn’t do their job a month ago. The review need more info. Now they are only giving us a little more money. $2000 out an almost $6000 trip. How is that trip insurance. Absolutely horrible, do not recommend and will never use again. I will be calling yet again wasting my time. Not only had a ruined trip but get to deal with this nonsense for 2 months.

Updated on 10/23/2024: I wrote a review for this company on 10/18/24, they responded and said that the issue has been resolved, well no it hasn't been resolved. I still am out 3000 and have e been waiting for over 2 months to get a refund. Mysteriously someone sends them something on day 29 and it "resets" the 30 day waiting period. So not only have they kept my money they lied about saying g the issue was resolved!!!!

It's sad that you already have to deal with trip delays that is beyond your control and you purchase insurance that you think will help you recoup some of the cost that you have to spend out of pocket for delays due to airline. Let me tell your TripMate is the worse coverage I have ever purchase. They won't reimburse anything. I will never purchase insurance through them again. I had to extend my parking for an extra day due to American Airlines not having their crap together and this insurance is going to tell me it's not part of my delay.

Updated on 10/09/2024: I finally received both checks but not until they read my review and even then their communication was terrible. I never received an explanation as to why it took so long or inexplicably they couldn’t print/write checks per customer service.

I booked a river cruise thru Viking. I purchased the travel insurance they recommended Trip Mate, It's around 750.00 PP a total of around 1500.00 total. I had to cancel our trip because I had open heart surgery. They wanted copies of bank statements of what I paid Viking Over 11,000.00. They wanted the surgeon to fill out a form which I did and submitted to them. They only sent me a Refund of 1791.65. What a rip off!! Pretty much covered what I paid for the trip insurance and a little bit more. I plan to notify Viking Cruise Line about this company they are recommending. I also plan to tell my friend who booked a Viking cruise. She purchased the insurance. I'm going to tell her to cancel it. Save her money.

We took a trip with Viking cruises who uses Trip Mate Insurance. Due to a mechanical problem with the aircraft and flight cancellation in Chicago we had to delay the start of our trip by one day. We had booked a precruise trip to Iceland for $1999 so I submitted a claim for the missed day as a trip interruption for $666. I got a letter from United Airlines (delay letter) as requested by Trip Mate as well as submitted all the relevant paperwork to support payment for the precruise tour. Received a letter today from Tripmate that this was not covered in their policy. I went back and looked at the policy today and it very clearly states that delays due to aircraft mechanical issues are covered. Learned my lesson about purchasing insurance with Trip Mate.

I submitted a claim in June and diligently completed all the requested documentation. However, I have not received any updates or communication from Tripmate since then. Despite my weekly follow-up calls, the representatives merely ask me to wait for someone to contact me. I have adhered to all their instructions and procedures, yet when it is time for me to receive my reimbursement, they seem to delay the process. Based on my experience, I would hesitate to recommend their services due to the excessive difficulties encountered.

Unfortunately, I am another customer experiencing a lengthy delay in my reimbursement. My return home from Jamaica was delayed this summer due to Hurricane Beryl. Upon return, I promptly submitted my claim through my travel agent on July 9, 2024. The claim was acknowledged on July 16, 2024. On Aug. 6, 2024, the claim was notated as payment in process.

I do not recommend this company. I got sick before my trip, had to cancel my trip. I had a doctor’s letter stating that I couldn’t travel. Trip Mate refused to reimburse my claim. Don’t bother with this company.

This place is horrid. My husband and I caught COVID. We sent them everything they need. We have not received our money back yet. We had seven people on this trip and they want to give everyone independent e-checks. Now I hear their e checks do not deposit correctly. We want one big check. They keep giving me the run around on a time frame of when we will receive our money. I would not recommend them and I will be calling the BBB by the end of the week if I don't receive any news. This should be a fast and efficient process.

In my TMB trip, I seriously hurt my ankle during hiking and couldn’t continue. I called a taxi and rested in local hotel for 3 days. No expensive medical bill at all, just claim for transportation fee and hotel expense. After submitting complete claim materials, including physician statements, it was rejected!! My conclusion is that the company is indeed poor either financially or morally.

I have waiting over 4 months for a refund of almost $3k from TripMate. After many delays, they emailed a check which, even with the help of my local bank, I could not print in such a way as to deposit the check. They have repeatedly assured me a "check is in the mail." My most recent communication was in July and August, 2024. I get a total runaround, no one assumes responsibility for my refund, and I strongly suggest you choose another way to insure your valuable trip.

Updated on 10/29/2024: This is an update to a previous review I posted detailing the difficulties I had dealing with Trip Mate. This was their response: "We value your feedback, Karen. Unfortunately, we could not locate a claim with the information provided in your review. If you would like to share more about your 1-star review, please email our Customer Experience Department @ marketing_ecommerce@generalitravelinsurance.com with your name and claim number."

I would not recommend this company to anyone. My boyfriend and I were supposed to fly to Jamaica on July 20th, and he ended up testing positive for COVID on the 18th. He only took an at-home test because he did not feel a trip to urgent care or the ER warranted the extra bill. Paid the money for travel insurance only for them to fight us on giving back our refund because "he did not seek medical treatment".

After a Viking trip we missed our flight out of Madrid Airport due to some type of security threat which resulted very slow lines of passport checks. New tickets were issued for our flight home. We tried to get documentation for the delay at the airport with no success and so attempted to just collect the money for our flight from Miami to Detroit. We were reimbursed for only part of our flight home. When I questioned why we were only given reimbursement for one leg of our journey, they told me that this ticket was not part of our original purchase and therefore exempt. Of course it was different as we needed a new ticket to get home after missing our flight!!!!

I would rate a zero if I could. Missed my departure fight due to illness and was told I would be reimbursed. After weeks of submitting duplicate paperwork was told they only cover the land portion of the trip which is NOT stated in my contract. So happy I have a platform of over 1million followers and will definitely share my experience. Scam scam scam.

We booked a cruise on Viking with a pre-trip extension, all insured by TripMate. We missed the first day of the pre-trip extension because of a delayed flight causing us to miss our connection in Chicago. We were forced to rebook for the following day. The delay occurred in our hometown so we 1. took a cab home from the airport, 2. stayed at home rather than a hotel, 3. took a cab back to the airport the next day. United Airlines provided a "Delay Letter" as requested by Trip Mate. The claim was quite simple, two cab rides (each documented with receipts), one day missed on the $1,999 per person pre-trip extension (documented by Viking). We had even saved them the cost of a hotel room by going home for the night.

Do not take any trip that uses this company for anything. Seriously. We submitted our claim in May and it's now July and no payment after it was approved in May. They delayed payment by sending a check to an incorrect address. We called twice to correct the address and then they had the address made to another state!

We missed a night stay in Paris due a delayed flight. Wanted to get there a day early so as not to run the risk of missing the cruise (why we took out insurance). Trip Mate Said we weren’t covered under their policy. Lots of red tape, duplicity of forms. Much rhetoric. BUYER BEWARE!! Bait and switch tactics.

If I could leave no stars, I would. We purchased tickets to our destination directly from the airline and our return flight through a third party app. We didn’t purchase insurance from the airline; however we purchased Tripmate insurance for our return flight tickets. Our flight out was delayed for over 4 hours, so we didn’t go. Our tickets were refunded, no questions asked by the airline. We submitted our claim for reimbursement for our return flight, as we couldn’t use our tickets because we never arrived at our destination. They requested extra documentation, which we provided, all for in the end to be denied, no explanation, no correspondence at all. When we called for an explanation, we were simply told that the reason didn’t fall under the criteria for reimbursement. This is a complete waste of money. Buy your tickets directly from the airline, where customer satisfaction clearly is a priority.

Trip Mate is the worst travel insurance. I had a medical emergency back in September 2023 and my trip was scheduled for next month. I called and cancelled my trip within the designated window and I'm still waiting on entire refund to be returned. I have called to many times to count and have sent several emails. I'm now looking to get legal action because this company is a rip off. Please avoid at all cost.

We purchased for a Viking cruise. I had an unfortunate accident requiring surgery prior to departure and extensive recovery. I did have to provide a lot of paperwork which I did. The claim was fast and we got a full refund.

If you want to make a claim - you need to hire someone to go on the trip with you to collect every receipt, message, or other paperwork - plus film it all. Otherwise all claims will be denied!! That is their purpose - take your money - deny all vlaims - get rich!

I had a valid reason to cancel trip, passport company was to deliver it by April 2nd but did not deliver. We had to cancel, but I had paid lots of money to Expedited Travel for my passport to arrive in 3-5 days! It took over 3 weeks, exactly what I could have done with the Government passport service. They have not repaid me for anything. I only want compensation for my loss or credit on another trip.