Trip Mate Insurance Reviews

I purchased a traveling insurance Thru a company Trip Mate prior to the pandemic. I was going to Punta Cana April 26-May 1 2020. As you know all travel has ceased. I started calling Trip Mate about April 15, 2020. On April 20, 2020 I held on the phone from 7:15am til 12:06pm. The Person tells what I need to do to fill out a refund form. Ok I do this. It has a claim number and it instructions you what to gives their link to check status. They said it takes about 30 days or less just keep checking your status with the claim number. I check it. I see they received fax on 3/20/2020.

To all the consumers who are having to deal with Trip Mate, I feel your frustration and absolute disgust with this alleged travel insurance company. It is a crime that Trip Mate will not refund for canceled trips due to COVID19. Listed under the General Exclusions as reasons why "benefits are not payable for any loss due to, arising or resulting from" is a list of 21 items not covered. PANDEMIC is not one of them.

Would give a NO STARS!!! Purchased Trip Mate Ins through Cheap Caribbean, never thought things would be like this. Understand that a lot of people are in the same boat! Found out that the airlines have reimbursed money to Apple vacations/Cheap Caribbean and I keep getting the run around when calling tripmate, (if the call isn’t dropped) that it’s going to take time, have to check with supervisor, could take 30 days, we are beyond 30 days! This is by far One of the worst companies to deal with!! Will report to BBB and should call our local news!

I would absolutely give ZERO stars if possible. 4000 DEAD, We are both exposed to coronavirus. QUARANTINED for 3 weeks. I AM 100% DISABLED due to an injury. NO REFUND for 34 days and counting. TRIP MATE is a TOTAL FRAUD. BUYER BEWARE, TOTAL SCAM. DO NOT Buy from CHEAPOAIR, they sneak the insurance right past the buyer.

I bought the flight insurance but when I tried to use it, Trip Mate said I couldn't get a refund because the airline that I booked my flight on, does not provide refunds. Isn't that the purpose of insurance???? Why provide a service when you are not going to come through for your customers???

This company is so heartless. We have a scheduled upcoming trip to Barcelona but have to cancel. The country closed its border and the US is restricting travel. Trip Mate is refusing to give us our travel protection deposit because pandemic is not covered. I’m praying the government steps in to protect consumers. Never again will I ever do business with this company.

Bought this trip insurance back in January amid the somewhat "newly" outbreak of the coronovirus in China. I'm scheduled for a vacation in the Caribbean, but wanted to cancel due to the global pandemic....It is not covered!!! If that's not a natural disaster, I don't know what would be. Only if the country closes it's borders do they refund you. Unbelievable!! I would have given a Zero Star if possible as well.

I bought their Trip Insurance from CheapoAir for MNL-SFO trip. Flight was cancelled by airline before the flight was scheduled to depart because of routing thru China due to the virus scare. My ticket were cancelled by airline. NO FLIGHT WAS MADE. They refused to return the insurance money even though no flight was made. They said virus cancelation "NOT COVERED". What a scam!!!

I purchased trip insurance from Trip Mate in association Viking Cruise Lines for a trip 2 years ago, I have questions because of Coronavirus issues since our trip ends up in Venice, Italy. I have been put on hold, they never picked up, I have left my number so they could return my call, to date I have not spoke with anyone from Trip Mate. I would not recommend purchasing trip insurance thru this company, THEY WILL NOT RETURN YOUR CALL, IF YOU HAD AN EMERGENCY WHILE ON A TRIP YOU WOULD BE ON YOUR OWN, NO HELP FROM THEM. Don't waste your money!!!

If there was a way to give a 0, I would without hesitation! We had a trip booked with Sandals in Oct 2019. My husband lost his job, where he had been for 10+ years 3 days before we were suppose to leave. Got the required paperwork in the day we cancelled the trip - Oct 23rd, 2019. 30 day processing/wait - no problem. Between than and now, it has been a ridiculous cluster of them not recording information correctly and upwards of 50 phone calls to them to get answers.

No Stars. Total Fraud in my view. Please don't even consider buying it. I bought a Travel Protection Plan for a trip to Singapore that has a layover in Beijing, China. This was bought via CheapOair. Then, the Coronavirus struck. As of this writing some 3K people have died from it. Who would want to take this trip anymore plus flights from China to Singapore had been banned. Of course I had to cancel the flight and and then tried to submit a claim. NOPE. I was told I have to have been quarantined 2 weeks or actually contracted the virus for my claim to be entertained, if you can believe that.

They will not return phone calls. Stranded in Chicago during non-business hours I called their after-hours number but had to leave my number for a call-back which never, ever came. Then I filed a claim. It was denied according to their "check status of claim" website, but I never even was notified by them of that. Don't bother trying to call them even during business hours. They won't answer and won't return your call. I will never use them again and recommend you don't.

2 months and counting and still no payout on claim. Trip Mate keeps asking for the same documents after confirming that they received them with original claim. No visible activity regarding processing and no answer when calling customer service. Very rude reps when I did get thru on time out of 10. This insurance company is the most ** up I have ever had to deal with.

I claimed for a cancelled trip and supplied their requested documents. Since then dead silence. Is this a real company or another scam? They sent me an email after I had filed the claim, but never reply to email sent to that address.

My father died shortly before I was scheduled to take my trip. I cancelled my plans and provided TripMate with all of the documentation they required in December. I have gone on-line to review my claim status and there has been no activity in my account in several weeks. I began calling TripMate about the status of my claim several days ago. I have yet to speak to an actual person. The hold time appears to be several hours. I would never buy another policy from this provider.

Avoid at any costs!!! Scam and fraud all I can say. Don’t waste your money. They will find any excuse not to give you a refund. My trip was insured, my baggage was insured. I arrived to the destination. My baggage was delayed as it wasn’t transferred from overseas by the airline. Did not have my bags for 2 days. Insurance refused to give refund explaining that my trip was over when I landed...well... Don’t waste your money. They won’t refund you anything!

After I filed a claim filing out loads of documentation, I got a letter from Trip Mate telling me that they need unreasonable addition documents! There is no way that people can comply with these demands! I have never seen a company be so unreasonable! DON'T USE THIS COMPANY FOR YOUR INSURANCE NEEDS! I will also get in touch with my travel agent to makes sure they never recommend this company.

My boyfriend and I booked a river cruise through Oat Adventure Travel, Grand Circle Foundation last spring. Since I traveled with this company before and loved all of my experiences, I trusted their recommendation for travel insurance. Two weeks before we were to depart my bf found out he had lung cancer in the 4th stage. We immediately canceled the trip and filed the proper documents. We did receive an e-mail stating they received the document. One month later they sent a letter stating that they would need additional information from Grand Circle Travel.

It would take me pages to document my experience with Trip Mate so here is the condensed version. First docs faxed to number on their form. When I called told it was wrong number, resubmit and wait another 30 days. Submitted docs two more times with details from my oral surgeon. Told twice docs weren't received, resubmit & wait 30 days each time for processing. I just sent again via USPS so I can get documentation of delivery. Got insurance through Viking Cruises & never thought to vet because Viking is reputable. We are owed $8200 & after reading other reviews realize we may never see a cent.

Warning -- several other trip insurance companies also use Trip Mate for processing claims. This will be in the fine print of your contract, for example "Claims will be administered by Trip Mate, Inc..." This means that even though you didn't buy from them directly, you end up dealing with them if you have a claim. My experience with them is the same as many other reviewers here, namely: extremely long turnaround, deadlines not being met, multiple requests for documentation, and doing everything possible to avoid paying a claim. It really seemed they just try to wear you down.

Apparently this insurance doesn’t cover suicide. They weren’t willing to work with me at all to change my trip and said the reasoning “wasn’t valid.” The stigma of suicide is real and this is incredibly sad that the company does not recognize this as a true cause of death. They weren’t even sorry for my loss.

I would leave zero stars if it was possible. They didn’t reimbursed my money after I gave them all the documents they ask for. Don't waste the cost of insurance with this company, they make their money from purchase of the policy. They don't pay out on claims after you do the work to get documents they request from you. It's a waste of your time.

I would leave zero stars if I could. It is my opinion that you should AVOID this company. I bought this insurance through Qantas and cancelled my policy within the 10 days stated in the trip documents. I am receiving the run-around on getting my policy refunded back. Calling the number is not helpful. Emailing is not helpful. No one will respond to me. My opinion: Do not do business with this company!

My wife and I planned a trip to Hong Kong, Vietnam, Cambodia and Thailand in November 2019 for 20 days. We paid everything and had Trip Mate Insurance for $1438. When the rioting started and concerns about flying into Hong Kong, Viking Ocean Cruises cancelled all Hong Kong tours and the state department put a 2 alert on travel there.

One phase: Find another company. We cancelled our trip to Ireland in April, 2019. First we were told that we had filled out the wrong form. They said I filled out a trip delay form, not a trip cancellation form, even though they could clearly see that the documentation indicated that we had cancelled our trip. So I sent the correct form and the documentation again. They sent me checks for a one day trip delay anyway. I called them. After an extensively long wait on the phone, I was told the tour company said we had taken the trip. So, I sent documentation that we had not taken the trip. I still have not heard anything from them. Nor is there any information on their website. Please understand that if you need to talk to a real person you will need to set aside at least a day. They put you on hold forever, and when they do answer their phone, they are not helpful. This company is a definite rip-off, and should be put out of business.

This company is HORRIBLE. I submitted my claim, they acknowledged receiving it...then 2 weeks later, they have no record of my claim. Resent the claim and since they have a 30 day processing period, asked them to backdate my claim to the original submission date. Took multiple calls for that to happen. When they finally processed the claim, they calculated it wrong (tried to pay me $53.12 when it should've been the max of $500). Asked them to fix it and they told me I have to wait another 30 days...for THEIR mistake. Bought them through Delta. Will not use Delta as long as they use TripMate.

Non Reimbursement after proving proof of cancelation. Don't waste the cost of insurance with this company, they make their money from purchase of the policy. They don't pay out on claims after you do the work to get documents they request from you. It's a waste of your time to get a reimbursement..

We purchased insurance from Trip Mate for a scheduled trip to Ireland in September. Unfortunately a death in the family forced us to cancel the trip, so we filed a claim for reimbursement per Trip Mate's directions. That was in mid-September. I patiently followed the process and the progress until I finally ran out of patience today (5 December).

Called to inform the company of the issue on May 10th and started the claim in July when my son (who is disabled) was able to get the paperwork back to me. They owe us over $1000 for an airline rebooking - ONLY ONE RECEIPT - NOT ROCKET SCIENCE. Still waiting on payment (it is November 25th). Every time I call, I get a different story. I have NEVER had a trip insurance company work me over like this. I bought it through CheapOAir (which we had our own issues with and will NEVER be using again). I am still trying to get my money from TripMate. I will file a formal complaint with the Better Business Bureau and, if I do not get confirmation that a check has been sent out by the end of the month, I will be filing in small claims court.

Trip Mate requires all documents before you make a claim. It's not that clear when you buy it, but if you don't have doctor's letter and all receipts, waste of money. They are not allowed to make any judgement calls, so it's not user friendly. I would save my money. They are useless. Don't bother.

We had to cancel a booking with Viking Cruises because of a personal issue that was not covered by the insurance. We knew that, but we had cancel for any reason insurance. I immediately filed the claim, they assured me they received everything they needed. Then the waiting started. They have issued vouchers 3 times now and canceled them each time. When I call to find out why, I can only speak to the customer service agent. They refuse to let me talk to a supervisor. I have called every day for the past 30 days. I don't know why they keep creating a voucher and then canceling it. I'm past due on paying for the rescheduled cruise. Worst company I have ever dealt with.

While I was 2 days into a 21 day tour, my husband had a stroke. I returned home immediately, and have been his caregiver 24/7 since August 8, 2019. My husband refused medical treatment, as he had for over 30 years. I finally got him to go to the emergency room after it a really happened, and confirmed that he did have a stroke. I've purchased this insurance 26 times, but they failed to even speak with me about my claim. Also, dragged process out until November 11, 2019 to decline any payment to me.

Booked a trip to Italy in January 2019 for travel in September thru great value vacation. Had to cancel in August due to my wife having blood clots in her leg could not walk long distance, filled out all the forms. Doctor filled out his form. Thirty days later they denied the claim. I will appeal for all the good it will do. When I purchased the trip I GOT THE INSURANCE thru the booking. After being denied I checked out the company, too late then. After reading the reviews I believe the company has no intention to pay claims.

They are a real scammer, no customer service, you can not reach them, super slow when responding and making all gimmicks not to pay you the travel insurance, read all reviews, and you will understand they are here to get your money and when it is really the case to support, they are not there. Their staff are untrained, after couple of hours when you get a chance to talk to them, they give your wrong information and directions.

Trip Mate is the most unethical insurance company I have ever encountered. They make up lies to justify not paying claims. Their service is slow and arbitrary. They have no intention of paying claims. We paid twice for our trip insurance and did not collect both times. Our trip was interrupted by American Airlines flight cancellation which caused us to miss our guided adventure with Backroads Travel company. Trip Mate created a story that the flight cancellation was caused by something called "crew unavailable." This we know was a complete lie since we happened to be waiting at the terminal with the pilot who was to fly our plane. This pilot told us an equipment problem was the cause of the cancellation. Trip Mate is a very unethical insurer and should not be allowed to be in business. Very unhappy customers, Gary and Bobbie

Started claim on September 9th. They owe us over $10,300 for a trip we had to cancel due to my back surgery. Still waiting on payment (it is October 29th). They keep requesting more paperwork at the end of the 30 day clock - and then re-starting the clock. I contacted Overseas Adventure Travel and they told me that they cancelled their contract with TripMate because of the large number of complaints. I am still trying to get my money from TripMate. I filed a formal complaint with the Better Business Bureau. (Overseas Adventure Travel paid me their portion promptly.)

As stated in previous reviews, this company's goal is to wear you down. After purchasing a policy for over $1000 (non refundable) We were not able to take our river cruise. The policy I took was cancel for any reason. In small print it stated it would be at their discretion as to whether it would be for a cash refund or a credit toward a later cruise (obviously at 73 a credit was not what I was expecting). I filed a claim in July, and after months of back and forth for various reasons, they read the form wrong, they didn't see the signature of the doctor, etc. They decided on Oct 4 I was not eligible for a refund. Save yourself lots of money and aggravation. Not only would I not receive the $1779.20 I thought I would receive I was also out the $1038 for this bogus insurance policy. All in all I lost $2779.20.

I got sick and ended up in the hospital in Sydney, Australia and we had to end our trip. The people who took care of rebooking our flight did a nice job and arranged a wheelchair for me making the flight home better. We do have other complaints, however: The forms are very cumbersome to complete. We expected that we would be reimbursed for the parts of our trip that we did not get to experience. They did not reimburse us for our flight to Fiji, transportation to and from the airport that we already paid for. We missed the last dinner which I am sure was pretty pricey including free wine. They divided the entire trip by the number of days and gave us a flat rate.

I have submitted all documents and been back to my doctor 2 times (2 copays) to try and satisfy them with the never ending non sense they “need”, which really only gives them the excuse to keep your file open for 30 more days to reply and then ask you to have your doctor put a period at the end of a sentence basically. SCAM company for sure! I have been emailing them for 3 months about my claim in July. Don’t even try and call them because you will never get someone to answer the phone.

It is a real waste of money and time, Do NOT ever purchase travel insurance with them, I had a travel insurance with them with plan number 540A, I called them 36 hour before the flight and informed them that my visa issuance got delayed based on email from embassy, so I will not be able to fly in next 36 hours (which is my flight time), their super untrained agent, (or maybe deliberately) simply told me that it is OK and I just need to file a claim (Please note that 36 hours before flight you still have chance to pay fee and reschedule your flight), I did as the agent told me, and after a month (when I lost the window I had chance to change or reschedule my flight with a fee) they got back to me, and said that non-issuance of visa is not covered in their plan so no reimbursement. I filed a claim against that.

They don't even deserve a star, the website makes you select one to submit. I rate them 0/5. We booked a family vacation to Mexico in May 2019 through CheapCaribbean.com and purchased the Enhanced Level - "Cancel for Any Reason" Insurance through Trip Mate. In July 2019, I found out I was expecting our second child. Upon consultation with my doctor, I was advised that it was medically unsafe for me to travel as planned for two reasons 1.) ongoing Zika virus concerns and 2.) I would be beyond 24 weeks gestation during the trip, and international travel is not allowed by my doctor after 24 weeks.

Awful Company, Painful to deal with their service company. My nephew had Trip Mate travel insurance and drowned at a resort in Mexico. His insurance was supposed to cover the return of his remains. The travel insurance service company handling the policy was unresponsive and rarely called back. It has been 28 days since he died and even though Trip Mate has plenty of documents, including the death certificate, they keep asking for more and have not paid the local funeral home for the cremation and repatriation of his remains. My nephew's body has been sitting in a morgue for 28 days. 28 days!

Booked a trip to Paris/London/Ireland - walking tour with Globus, Tripmate was our insurance. My husband developed plantar fasciitis and unable to make the walking tours. I cancelled my trip, submitted a claim, doctor completed their portion, then 40 days later was requested more documents. The info on file does not provide treatment date at the time of cancellation. Went back to the doctor, called many time and on hold FOREVER, claim was closed with no settlement. This company sucks!! I lost over $1000.

Don't let this company fool you. They say a lot about how they will provide great service if you need a refund but it is not true. They make the refund process as long as possible and drag it out longer than the 25 days. Not only that, we canceled because there was a Dengue outbreak at our destination. The CDC issued a warning against pregnant women going and we even sent a doctor's note dating sites. I claim for a full refund. Was denied, and we only received 75% of the refund. When I checked this website to see reviews I noticed that the first four or five reviews are five star. I believe they are made up lies to make this company look better, the one star reviews tell a story similar to the one I had. Please go with another company and check their reputation before you lose your money like we did.

No refund check yet. I paid for a trip for me and my grandson, bought Trip Mate insurance just in case. Turned in documents as required and still no refund. It's been 2 months. When can I expect my refund check? Yahweh **

See above. They make the reimbursement process as slow and convoluted as possible with the goal of rejecting claims. I was told over the phone that I would qualify for multiple kinds of medical reimbursement, that were ultimately denied due to a willful misinterpretation of the evidence they required from me.

Had a Sandals vacation booked with my daughter for April 3. My husband of 28 years, her father, passed away on Apr. 1. All required documentation supplied on a timely manner. 5 1/2 months later Trip Mate decides no benefit payable??? And they are not communicating with me. How can this be possible - death immediate family member???

My son purchased travel insurance through Trip Mate for a trip to Thailand on 5/25/19. He could not leave on the trip that day because he had emergency appendectomy surgery. He rebooked the trip for 6/7/19 and was advised to purchase a new insurance plan. All paperwork was submitted by the end of June. The claim has been denied. The reason stated is that he made additional travel arrangements, and the old travel insurance was still in effect on the newly booked trip. This information was not shared beforehand. I would advise NEVER purchase travel insurance from Trip Mate. It appears that their policies are unclear, unfair and wrong. An appeal process is provided; however, I believe it will be a waste of my time. Even though the staff is professional, the company is not to be trusted. Thank you.

We have been dealing with Trip Mate for 6 months about interruption of trip insurance and have called customer service asking to speak to supervisor. No call back. Then called 6 times to customer service with no one answering phone. Left message each time. Just want to resolve claim but no one to discuss issue. No customer service!!!!

We scheduled a Lindblad National Geographic Expedition and purchased trip insurance from Trip Mate. Subsequently, my husband received a diagnosis of leukemia, and he began chemotherapy. Sadly, we had to cancel our dream trip. On June 28, Trip Mate received a complete copy of all forms to make our claim. Fortunately, Lindblad had already refunded 50% of my trip's cost. 8 weeks since Trip Mate received my documentation and several phone calls, I am still waiting for a check from Trip Mate. They promise 25 day (5 weeks) reimbursement. After 25 days, they requested another 21 days. I want to let others know that receiving a Trip Mate reimbursement for a trip cancelled for medical reasons may be a long process. And I can't say whether they will refund the rest of my trip's cost.

Anyone who uses this service deserves what they get, which is nothing! The lying never stops. They will tell you anything to put off reimbursing you what you are entitle to. We purchased insurance to be fully reimbursed for ANY REASON and still they refuse to reimburse us. The excuses and inept support is shocking. Stay far away from this company. We have documented proof that we are legally entitled to get reimbursed should we need to cancel and NOTHING but excuses. If you use this company you deserve what you get. Don't be a fool. Lastly, I'd be shocked if they had the decency to publish this.

My complaint is that we purchased a travel protection plan to cover our vacation but chose the wrong travel insurance company. It’s the wrong choice for anyone because they care more about making excuses not to pay a claim versus paying a claim. We sent a claim to Trip Mate to reimburse us for having to rebook our flight and a change fee incurred but all our requests have been denied (received 3 different response from Trip Mate as to why they wouldn’t pay our claim). Three systems were in the Atlantic at the time of our travel, Hurricane Isaac being the main one of concern being St. Lucia was its projected path as per the National Emergency Management Organization. Multiple warnings indicated that St. Lucia was in the path of Hurricane Isaac.

I booked a vacation trip to Europe with Overseas Adventure Travel which recommended that I get travel insurance with Trip Mate. Unfortunately I was unable to travel because of an injury. I met all of the requirements of providing a medical excuse that Trip Mate said was adequate. I called multiple times when the check didn’t arrive. Trip Mate said that they mailed a check which still had not arrived in over twenty days. Their response was to tell me to wait longer, in fact, an additional thirty days. Every attempt I made to get my check was met with delaying tactics on the part of Trip Mate. If you are looking to get travel insurance, get another company.

This is a horrible company!!!! Do not purchase insurance through them. Whatever you do do not use them!!!! I'm currently 21 weeks pregnant and sent my claim in the beginning of June. I am just now hearing back and my claim was denied because it's a normal pregnancy. I'm due 12/2 and the trip was for 12/3. What do they expect. For me to give birth on the flight to dr???? They are a fraud company that steals from you!!!! Whatever you do do not use them!! They will steal your money.

I purchased trip insurance from Trip Mate, based in Kansas City, Missouri, when I booked my cruise. My cruise was interrupted due to an illness and we had to travel back home after two days. I have since filed a claim with Trip Mate to get money back that I spent over a year ago for the travel. I sent in all the forms that were requested and the company tells you to wait 25 days before knowing the status of the information. They continue to ask for more documentation, then the clock starts over with 25 more days. I am wondering if this is their plan to try and wear you down, so you get tired of trying to get reimbursement. I hope they will actually review all the information I have sent and see that I have a valid reason for filing a claim. Why would anyone buy from Trip Mate if they don’t honor what is printed in the Travel Protection Plan?

For the first time in my 44 years. I decided to buy Trip Protection on 2 flights to New Bedford Mass. I purchased a car for my son and we planned on flying out and driving back the 15 Hours together. Make sure you read the fine print as everything is not covered. Unfortunately the day we were flying out the Auction called and stated that there was an issue with the car and we would not be able to pick up the vehicle until it was repaired after the 4th of July week. Which would take a week. Got the car issue resolved only to find out that it would not be covered. I thought it would be an easy change of flight dates considering that I had purchased the flight protection. There is no protection and from the looks of the other reviews I think businesses like this are using unfair and deceptive practices and should be forced out of business!!

I booked a trip for my parents to Europe as they are getting older. I was worried they may not be able to make the trip 8 mos. from when I booked it. I bought the insurance and made a deposit. I cancelled within a few months after I booked because they both had major health problems with notes from their doctors saying they could not travel. Trip Mate took both my insurance and deposit with no refund. If you do business with this company after seeing all the negative reviews online, you are making a severe mistake. Most unethical company I have ever engaged.

We were halfway through our trip when my mother passed away. We had purchased Trip Mate Insurance. I filled out all of the claim forms and submitted them. I followed up with a call to see how long their process took. I was told they are handled on a first come basis and would be done in 30 days. I was pretty much told not to call before the 30 days because it would not be done. After 30 days I called and was told my claim was being worked on and call in 7 to 10 days. After that time frame my status was moved to client paid. That was a week ago. I have not been paid so I certainly don’t understand their paid status.

My husband and I had planned a trip to Thailand through Student Universe and bought Trip Mate Insurance because I've always liked to be prepared. We've bought it once before but did not end up needing it. Two weeks before we were supposed to leave for the trip my husband's father was in a car accident, he went into a medically induced coma, and passed away all within the two weeks before our departure date. I called and cancelled our trip a week before we were supposed to leave, so I was well within the limit of cancellation.

When I booked a trip through Cheapcarribean, I opted to take the insurance thru Trip Mate and I picked the "cancel for any reason" plan. I had problems with my passport and 5days prior to leaving decided to cancel my trip as to not lose my money. I've been waiting 40 days since now when they say claims can take up to 30days. I noticed a few weeks ago looking thru the activity log that my claim was re-opened, meaning someone closed it with not notifying me of why and what else was needed... I'm concerned now was this has been dragging on.... Just beware when selecting this trip coverage. This process is slow and not what it claims to be. Because of this I will think twice with choosing Cheapcarribean next time.

I became violently ill the first night I spent in Punta Cana, Dominican Republic in late January 2019. Since I couldn't trust that I wouldn't get food poisoning/contaminated water again from the hotel restaurant, I informed Trip Mate that my husband and I left DR after 3 days to return to the US. When I was able to contact Trip Mate they immediately denied my claim stating that since I didn't see a doctor immediately, there was no proof that I was sick. I explained to them that the only doctor available charged $250 cash to come to the hotel room.

First you need to know all communications are electronic including filing your claim, your documentation and any reimbursement checks they may be issuing. You are expected to scan any claim documents to Trip Mate and watch their website for progress. If you need to speak with a person it takes a long time to navigate their phone system. I opted to leave my name and number for a call back rather than wait on hold. Alyssa (Nevada) called me back and seemed disinterested and bothered with my questions and need to change an email. I could not find a place on their website to edit our contact information. Our reimbursement is not fully explained either. I called back and this time Jeremy (Kansas City) was friendly and clearly answered my questions and I am confident the email is accurate and know when to expect a reimbursement. I will not do business with them again.

I booked with an Airline that offered insurance, so I purchased Trip Mate Insurance. What a nightmare they put me through. They issued e-checks through the e-mail except I filed a claim due to a death of my traveling companion. They issued a check to her. I paid for the airline tickets with my credit card which I thought would be reimbursed to me. After I went through with all their paperwork even providing a death certificate. At first they were no problem, "We will straighten that out. Sorry for your loss." And they still would not issue the check back to me. I did try to get it straighten out with them. Then I told them to argue with American Express my credit card company. What a horrible company to put me through this over and over again. Stay away. Do not purchase. They are not an honorable company. That's why I gave them ONE STAR for a rating. They don't deserve that but the survey requires to give one.

I purchased travel insurance because we booked our trip almost 8 months in advance. We later found out that my husband and I are expecting our first child. My doctor advised me that he did not want me traveling out of the country because it is so close to my due date. I filed a claim, waited a month to only be told that it was denied. They said that they just needed a letter from my doctor stating that I could not travel. The doctor sent them an email. I then received a letter in the mail denying my claim again.

Well, having read the earlier reviews, was concerned. But...Tripmate has recently been acquired by a highly regarded major insurance company. Had to cancel a trip we had booked with Pleasant Holidays. We purchased cancel for any reason trip insurance. Wife got sick before the trip began, so we cancelled. Went onto Tripmate.com to begin the process of filing. They provide you with very specific information they need and all of the instructions for filing the claim. Was a piece of cake. Filled out the forms online, then printed them off. Also printed the doctor's form. Had doctor complete the form. Then scanned all of the forms, and the rest of the trip documentation Tripmate needed (all of the usual stuff everyone should have when they book a trip) and emailed the info to Tripmate.

I decided that I want to cancel my policy because I had to cancel the flight for a reason that was not covered by the policy. I politely asked for cancellation and she stated that it is NOT REFUNDABLE and telling me that I am not understanding what she is saying and treating me like I am stupid. Then I politely asked to talk with someone else. She told me that no one will be able to help me with this. She was very rude and mean and I really don't recommend Trip Mate for travel insurance. What if someone just buys it by mistake or find it not suitable for any reason. That's it!!!! Customer satisfaction and courtesy is something they need to learn from the beginning.

I have to give 1 star because I could not give a negative score. They will auto reject your trip insurance claim. - Sent in a doctor note and they still denied my claims. They also take a long time to "review" your claim wearing you down. Stay away from Trip Mate. They only try to make a quick buck with your money.

My family and I went on vacation in March 2018 from DTW airport to PUJ Dominican Republic. We were there on vacation. On our return home our flight had an emergency landing. As a result we were separated from our luggage. As a result we reported as missing as it went all over the United States. Finally after relentless pursuit of our luggage we did receive it. It was brutally damaged, clothing inside suitcases, everything as we do have photos. We sent all the information to Trip Mate and to this day almost 1 year later we still have not received any funding for a damaged Luggage.

I filed a claim for the full cost of a 2 week trip to Europe for 2 people ($6,800). 2 months before departure I discovered a tumor in my colon that required extensive surgery and hospitalization. My doctor discouraged me from traveling so we canceled the trip. I filed my claim online April 25th. Emailed the doctors form to my surgeon who emailed it to Trip Mate. On May 7th I was approved for a full refund for me and my daughter. The entire process was simple, though it did require pulling together several proof documents. In this day and age of insurance fraud you cannot blame a company for verifying everything. I fully expected to have to fight for my refund based on my general experience with insurance companies, but Trip Mate made it clear what documentation they needed, I provided it and they approved. It was just that smooth and professional. I will use them again in the future.

When I purchased my travel insurance it was through World Nomad. I didnt know that Tripmate is the processing company. After I looked at the review here I was afraid that they won't reimburse my cancellation trip. Before I filed my cancellation trip prior to departure I called World Nomad and they advised me to gather all documents and upload when ready to submit. Which I followed the instruction and had to go back to my physician as a different form is needed. I submitted everything at once on April 1. April 3rd I received my confirmation that the application has been received and they are processing it. April 18 I received from the company that they have approved my claim but it was partial which it was fine because it was off by 50 dollars. Today I received my 1800 dollar check. Can't complain. It takes time but everything was done within 30 days. I would certainly purchase through them again.

Don’t waste your money and your time. I learned you can buy trip insurance on your own. You don’t have to use a company tied to your transportation or tour provider. Trip Mate denied our claim, so Amtrak gets to keep the refund readily offered by the hotel. We lost one night’s lodging. 737’s were grounded, so we were moved to a flight that was ten hours earlier. We had to get to Calgary the night before and pay for a hotel in order to make the flight. Trip Mate asked for TONS of documentation and did not notify me the claim was denied. They only put information online.

We bought this travel insurance thru CheapOair. I think they are partners in ripping off by offering this insurance. I am traveling with my 85 years old mother & she suddenly felt that she’s not feeling well to travel. They denied the claim, too many excuses.

We went on a family vacation in early March of 2019. We traveled by Norwegian Air on an overseas trip. Midway through our trip, every country grounded Boeing 737 Max 8 airliners. Our return trip was to be on one of those jets and so our return flight was altered. Two of our group were rerouted to fly out of London rather than Edinburgh and were to fly into JFK rather that Stewart (where our car was parked). Two were only rerouted to JFK. (Same problem) Although the airline agreed to provide vouchers for hotel and food, they did not provide the ground transportation to London from Edinburgh nor did they provide the transportation necessary to get from JFK to Stewart to retrieve our cars.

I am planning a trip to Patagonia with BackRoads Travel Company and unfortunately, they work together with Trip Mate for Travel Insurance. The reason I am VERY skeptical to use Trip Mate again, is because in July of 2015, I was invited by family on a Viking Cruise. Our tickets were purchased, along with a Travel Insurance with Trip Mate. However, my back was injured at work and I could not go on the Viking Cruise. I sent all the necessary documents that were required and after 4 months, they denied me $400.00 that were due me. I was livid and swore to myself, I would never use Trip Mate again. I am shocked and disappointed that BackRoads recommends them.

Worth every penny. Filed claim forms online, received the refund in less than 30 days. I see lots of bad reviews, but my experience was a good one. Just fill out the forms completely and submit. It's easy to monitor the progress of the claim online.

We had to cancel our Globus tour to France this month due to a traveling companion's illness and had to process our Trip Mate claim. I made sure I included all the documentation required. I did follow up with them via phone, using their call back service. The called back within an hour or so. I had read all of these horrendous reviews and figured we'd never get our money back. Wow, was I was surprised! We received a full refund within 30 days of filing the claim! Pleased and relieved.

Their eventual response was to ask me to file with my healthcare provider at home. But if you had Medicare or TriCare, then they wanted Contact information. I sent that, and they still wanted me to file with my healthcare provider (I have a Senior Medicare Advantage Plan).

Go with another company. I snapped my ACL first day on a 7-day Indonesian island boat tour. No reimbursement of the trip in any way. Excuses Excuses Excuses... It's a waste of money. They don't provide any service except to collect your money. If I could give negative stars I would.

Never buy anything from this company. They are bunch of liars, non professionals, I don’t know how they are in business. I always buy trip insurance but never used it, until now and this is worst nightmare, so I purchased ticket for my mother and I bought insurance just in case, she went to our for vacation. Everything was fine, she was fine and healthy. But one day she went to the doctor for regular check up because it’s very cheaper compare to the USA, so she got diagnosed thyroid cancer and she needed a s surgery ASAP. So we rescheduled the flight. After everything finished and my mother returned in usa we filed claim to get something from them, since it was flight interaction and we had serious reasons for it. We provided everything possible every documentation, OMG how much documentation they asked it was crazy but we did. It’s been 7 months and they still reviewing our case. THIS COMPANY IS TRASH. Never buy anything!

In January of this year we had to cancel a July Paris cruise due to health reasons. We submitted our Claim mid January and the Dr. submitted on Jan. 25th. Our Claim was well documented and complete, we received no requests for additional information. Our payments arrived on March 16th and 18th. While responses to my email questions were not same day, we were more than delighted to receive our checks in 2 months. We would recommend this company!

I purchased travel insurance from them and my trip got delayed and got my suitcase damaged. They are very slow, and requested me same document over and over again. My travel was last summer but now in March, they still requesting me to submit same supporting documents! Not solved yet! It is wasting money and time. I strongly recommend not to buy this company's insurance.

Their default position seems to be to deny every claim that comes in and then avoid any call to question this. They have zero interest in dealing with customers or actually providing any actual services. They have zero accountability, zero follow-up/through, and zero class.

I had a very simple claim, lost nights at a pre-paid hotel (Sandals) due to an emergency evacuation caused by weather. Trip Mate would not pay! I had countless follow-ups over a nine-month period. Finally, I had enough, and I asked my state insurance commissioner to intervene. Then, and only then, did I get my money and an explanation. It was not pretty. Their log on claims processing had three-pages of single-spaced type on all the steps they took, including multiple failed attempts to address my concerns. They logged everything, and it reeked of gross incompetence. The log proved that my initial submission was perfectly documented and that they easily verified the loss. The only good thing I can say is I got a letter of apology, but I suspect they wrote it so the insurance commissioner would read his copy. They not want him to revoke their license, which is what I had recommended. This is HORRIBLE company! Find another one.

DON’T WASTE YOUR MONEY. The Backroads trip was excellent, but I am concerned that such a company would affiliate themselves with such a horrible partner.

This is the absolute worst company ever. Don’t know how they sleep at night. Had a family vacation booked to Turks and Caicos with my children and parents. A few months before the trip my mom was diagnosed with stage 4 cancer. The doctors started her on treatment and were hopeful she would be able to take this vacation. As the trip was approaching in December the doctors informed us her cancer had spread and she would not be able to go. Trip Mate refuses our claim because they said she should have known she couldn’t go!!! Are you kidding me? We are hiring an attorney and will pursue this claim. Please don’t ever pay for this this insurance!!!

I purchased Trip Mate Insurance for my daughter's summer teen trip. Her trip got interrupted due to health reasons. Timely submitted claim on and provided all supporting documents in July 2018. Finally without notice, I visited the website to check the claim status and it was denied with NO notice to my family. Biggest waste of money ever! I always knew travel insurance would be a scam.

I purchased travel insurance through this company for a 21 day cruise I took to Cuba. I went with Trip Mate because it was endorsed by the cruise line. I had never purchased insurance through them before. I shouldn't have this time. Travel insurance is expensive. I figured it would be worth it if I ever needed it. I needed it on this trip. My husband died in Cuba. His death forced me to cancel numerous non refundable reservations and cost me some medical bills.

This company is more concerned with getting out of covering you than they are of working to cover you in a timely matter. Never, ever, ever purchase travel insurance, and run far away if that travel insurance is through Trip Mate. This company is nothing but a racket.

My mom, sisters, and I purchased this insurance for our dream vacation. Due to weather we had delays then were stuck in the wrong country for 3 days. After months of providing proof my 2 sisters and mother were awarded a portion of our missed days of our trip, paid hotels, and tours. My claim was denied! No explanation! Our trip was in July 2018, I am still fighting for some form of payment. The BBB will be getting a complaint.

We missed our flight to Montego Bay Jamaica due to no fault of our own. When we arrived at Sandals Ochi we asked about the insurance because we booked through them, they told us we had to contact Trip Mate and we did. Well after a 2 month review they denied us stating that we needed to miss our flight by 3 hours minimum! That is ridiculous at best and a waste of our money! Even if it only costs you $1 save yourself the money because this insurance is worthless and not worth a penny! To add insult to injury it took them 2 months to come up with this excuse!

My granddaughter and I were to travel to London in December 2018. In mid-September, I fell and had multiple fractures in the bones of my foot and torn ligaments. My doctor would not release me to travel because I was at high risk for blood clots because my foot was immobilized. I filed my paperwork on December 7, 2018. I have followed my claim online and it was confirmed. Reserve appeared to be set aside. Then information was requested from my travel supplier again. When I called to ask AGAIN what was going on, I was told it was in review and they could not tell me what or why, nor could I talk to a reviewer.

Purchased Trip Mate when booking a two week Viking ocean cruise. On October the 26th, on the 8th day of the cruise, my Father suffered a heart attack while on the island of Curacao. That was the first time I read the reviews online regarding Trip Mate and Was very concerned having read all the negative reviews and was ready to go to war with Viking Cruises and Trip Mate. I was asked to keep an open mind and was assured that the claim would be handled fairly and in a timely manner.

Have contacted TripMate 31 times since 11-7-2018 and it is now 3-7-2019. When I call the person answering the phone tells you that they will note your call but they cannot pick up the phone and talk to the "claims" section to find out the progress of your claim. What is happening is this company is just "shuffling" paper back and forth and hopes that you will get frustrated with the wait and "gives up". In my case this saves them $1,200.00. Viking should not deal with this company - in fact - no one should deal with this company.

Never left a review before but I figured losing out on $800 warranted one. Filed my claim weeks before I was scheduled out. Did all the paperwork. Followed up by checking the “status” everyday and even called once and they said I had to atleast give them 30 days before they could give me an update. Well over a month later, checked the website, never updated anything from the day I filed the claim and then received a random letter saying it was denied after they said a couple days prior that they couldn’t update me... Horrible. I feel like they deny everyone. Worst insurance ever!!

I submitted a claim in July 2018 and it has still not been settled. I have called the company more than a dozen times and have never been able to speak with a representative live. I always have to leave a number for a callback. When someone does call back, they have no idea what is going on with my claim. I am beyond frustrated. Do not recommend or use this company!!!

Me and my fiance were scheduled to get married in March and follow it with a honeymoon trip to Germany. I bought round trip tickets for both of us as well as the suggested trip protection on the site for the trip in the event something were to happen and it had to be cancelled. Unfortunately, my fiance and I broke up and are no longer getting married. I have submitted all the documents that were requested for claiming a D refund and has been denied by email as well as supervisor and management. They state that no one can overturn the claim and there is absolutely nothing that can be done. Tickets aren't even transferable so now I have lost out on $1400 even though I purchased the suggested trip protection just in case an event like this would occur.

No communication - never spoke with anyone from the company. Horrible experience. Do your research and go with another company. They send you no updates - you have to do all the legwork - wait times on the telephone is very long.

I paid $340.00 for travel insurance when I went to England in May. British Airways lost my luggage so the tour guide told me since I had insurance, I could spend up to $200 to get what I needed. I spent $97.00 on what I needed for a couple of days (socks, underwear, pj's and tee-shirts). I did get my luggage 3 days later. When I got home I put in a claim and it took 7 months of calling them constantly, asking them if they were a legitimate company and telling them that not one person had put in a good review for them. When I did get a check it was for $85.00. So, save your money, because it's not worth dealing with these people.

We were on a Viking River Cruise in China (August 2018). The first night, my husband got food poisoning. The ship's doctor treated him for the remaining 6 days on the ship. We submitted our claim to Trip Mate who has stalled, requested additional information, denied, reopened and stalled some more. We still have not been paid and it is the end of January 2019! Ridiculous! Don't EVER use this company for travel insurance when there are so many others to chose from. This is who Viking recommends but purchase your insurance elsewhere.

We recently booked a trip on Viking for an April 2020 cruise. We put down a $1000 deposit and were encouraged by Viking to get travel insurance. Another $510 each. As the trip was fast approaching $10,000 in total, it sounded like a reasonable investment. How wrong we were. Long story short: Our daughter has advised us we need to be available in the Spring of 2020 for Grandparenting duties. Family first. So we canceled the trip with Viking. We were aware that there would be a cancellation fee of $100 x 2.

TripMate is fantastic - if you don't have any type of emergency or cancellation. I purchased insurance through TripMate for a month-long trip to Bhutan, India and Nepal. Just before our departure date my mother became ill and passed away. I had to cancel our trip one week before the departure date. I filed all of the required documentation with TripMate and they acknowledged receipt on 11/02/0218. It is now 01/24/2019 and I am still awaiting a refund of my money - approximately $17,000. I have called their customer service number several times and no one can explain to me what the issue is. I was told there was an "accounting problem" in December, but no one can tell me what the "problem" was.

I purchased Trip Mate insurance through Overseas Adventure Travel for a trip to Bhutan and Nepal. Unfortunately, after the Bhutan leg ended and en route to Nepal, I had a serious fall and badly injured my leg. I was unable to walk and had to come home. I filed a fully documented "travel interruption" claim, complete with doctors' reports, tour leaders' statements and all financial documents related to trip costs as soon as I returned. This was mid-October of 2018. I began calling for status updates in mid-November. Call after call, phone cut-offs, vague blather from representatives. Finally, in late January I received an e-check for approximately $1500 LESS than it should have been. My experience, and those expressed by others in the reviews, should be a cautionary tale to anyone contemplating purchasing a policy from this company.

I planned trip to Israel. I have osteoarthritis of both hips and when I went to my dr. he said that I would not be able to do the walking that was required. So I cancelled the trip. I have been trying unsuccessfully since October to get a refund on the trip. I have provided the necessary physician’s statements and continue to call and only get customer service. Then two weeks later I received a note needing more physician’s information. These people are horrible, obviously I didn’t go on the trip as someone else took my room. I don’t understand why I can’t get my $4,000 back!!

I purchased a Trip Mate policy for my mother when she planned on attending my Daughter's wedding. She got violently ill on the day she was scheduled to depart and could not make the flight. She was taken by ambulance to the hospital and she was there for 12 hours before she was released. Trip Mate says that because she didn't stay overnight at the hospital the claim for compensation was denied. I filled out detailed paperwork and submitted her family doctors evaluation and confirmation of her illness and still she was denied. Trip Mate took two months of processing before I even got this decision. Trip Mate is a scam. Don't do business with them.

Do not buy anything from this company. I have been trying now for 8 weeks to get my money back for a canceled trip due to a medical problem that caused me to have to cancel my round trip. I have done everything they asked and still no refund. They lie and they call back at the oddest times. They tell you nothing but one excuse after another. I am going to the attorney's office. I have never seen anything like this. Do not buy insurance from these people!

My luggage was lost by Alitalia in August. I was gone almost 3 weeks and had to buy clothes, toiletries, luggage and shoes. Trip Mate paid me $238.00 for my expenses. Delta Air Lines paid me $1382.00 for my luggage and contents. I paid almost $700.00 for travel insurance and think they should pay me something. It’s been almost 5 months and I still haven’t gotten any payment.

We had booked a riverboat cruise with Viking to Germany in September 2018 for December 2018 with insurance. Due to wife's severe health issue, we had to cancel and were approved for a refund on Nov. 20. I called Trip Mate the end of December to find the status of the check. They said that processing was slow due to holidays. The call I placed January 2, I was told payment would be 'any day'. The call I placed Jan. 7, they said that maybe the check would be issued next week. There should be some regulations on this industry. I will not recommend this cruise line or insurance company.

I had pneumonia and was unable to travel. I submitted all my documentation to Tripmate and it was approved November 26, 2018. I have called weekly asking where my refund is and when I can expect it. It is now JANUARY 9, 2019, A MONTH AND A HALF after approval and I still do not have my refund. I have contacted Overseas Adventure Travel to alert them of my problem with a refund. Should I ever receive a refund I will be very leery of traveling with OAT and never use TRIPMATE for travel insurance.

I have seen other reviews with the same issues - the claim process. I've been traveling abroad for over a year. I've been traveling in countries with little infrastructure. I had damage to some electronics, which I claimed but they kept demanding documents that were impossible to obtain in the country I was in. A friend helped me translate to get a written note on company marked paper by the tech. I spent so much time calling Trip Mate and getting cut off to get them to accept this.

I went on a Grand Circle Cruise, in Germany, last June. It was a riverboat cruise, and we were in a different city every day, for 2 and a half weeks. The cruise was wonderful, the staff were all helpful, knowledgeable, and friendly. A few days before the cruise ended, I fell down steps on the boat, and came to surrounded by crew and passengers, who all thought I was dead -- until I opened my eyes. The captain called for an ambulance to take me to the hospital, and my brother accompanied me. I spent a few hours in one hospital, then they transferred me to another hospital, to an intensive care unit. I was monitored throughout the night, and the next morning, all my vital signs were normal. My brother and I left the hospital, to get on a train, so that we could rejoin the cruise - the boat had already moved to the next destination. The crew filed a report about the incident.

Unfortunately I had to cancel a trip to Spain & Portugal scheduled to depart at the end of October. I canceled the trip with Globus on 10/1/18, upon Dr. orders. I contacted Trip Mate insurance to file a claim for the land package portion the same day. As with all other reviewers' statements, it has been a never ending process of inept & frustrating phone calls & callbacks. It is true that you can never get through to a customer service agent, and must always schedule a callback. I received my refund by Globus (pre & post nights) within days, and am still waiting for Trip Mate! My documents were received on 10/22/18. And the 30 day “goal” was stated in their recording when I called for a status update.

I purchased a policy through Trip Assure for my daughter-in-law's plane ticket to Scotland. Because she was not sure about getting off from work, I purchased "Cancel for any Reason" insurance. This is pricier than regular insurance, and it only pays 75% of the original purchase, which I understood. We knew she would not be able to go about a week before the flight so I started the claim process after calling the airline and cancelling the non-refundable flight. This was the end of June.

On September 7, 2018 I had to cancel a trip due to health problems. I had booked the flight through cheapoair.com with United Airlines. The airlines refunded part of my ticket fee and the traveler insurance I purchase through Trip Mate, Inc, Kansas City MO was to refund the rest. They received all the claim forms, billing invoice, and physician's statements needed. I have e-mails stating they have received all information. It has been about three months and they will not pay the claim, the only way to contact them is by phone and when I call, if they return, they give excuses like, "Is still in review, give it a few days," or "Is should ok by weekend." Will never use this company again.

My husband and I purchased a trip through Vermont Bicycle Tour (VBT) to Paris and Normandy leaving August 29 and returning September 14. We purchased the protection package offered through VBT when we signed up which was Trip Mate. On July 27, 2018 I was diagnosed with breast cancer. Treatment needed to start quickly so the breast surgeon and oncologist advised against the trip. I emailed Jen ** at VBT who gave me the information on reporting a claim with Trip Mate. Trip Mate was contacted July 30 and claim forms requested. Claim forms were completed by me and overnighted to Trip Mate. Those forms were received by (per the Claim Status website) Trip Mate August 10, 2018. A copy of the pathology report was sent along with the claim form. There was no note or attachment for Physician Statement.

Trip Mate is the WORST company I have ever experienced in my fifty years on this earth. They a total and complete scam. After submitting a claim, the first thing they do is tell you that you will have to wait thirty days before you can get paid. Then, they tell you that they are having "accounting" problems which are delaying payment of the claim. These "accounting" problems have been going on for over a month.

My husband and I booked our Honeymoon in February for October and 1 paid in full (roughly $5,500) along with purchasing travel insurance. One week before our vacation my husband ended up at the hospital and urgent care a total of 3 times and once was the day we were supposed to be headed to the airport. We submitted countless document/proof and a doctor’s note on 6 different occasions because the company kept claiming they “didn’t receive it.” They say their policy is to process refunds in 30 days. Here we are 4 months later and we have still not received our money back! OUTRAGEOUS! I have spoken to over 15 different account reps and supervisors who have done nothing but given me the run around and I am told a different story each time.

Worst ** service possible. First time they sent the check under the wrong name, second time they gave me the wrong email to send our document. Unfortunately there is no complaint system or rating system in place that really makes you avoid their service, but please, avoid if possible. Only wish I can give a ** star. Btw the trip was in 2015 and we are still expecting the cheque today.

Trip Mate is the WORST company I have ever dealt with. We sent in all the documentation required on 10/11/18 and it's now 12/11/18. We STILL do not have an answer from this horrible company. NEVER AGAIN will I deal with them and I will NEVER go through Viking Cruises, either, if this is the kind of company they partner with for travel insurance. I cannot get a cogent answer from anyone at Trip Mate even if I am able to reach them by phone - which is a rare occurrence. Supposedly, our vouchers were printed on 11/15/18 and mailed to us on 11/30/18. The area code for Trip Mate is in Missouri. We are in the Northeast.

We were hit by hurricane Michael so could not fly, this worthless company gave me the runaround for 7 weeks before denying my claim. You can never speak to anyone directly, it’s always a call back the next day by an agent who is powerless to do anything - their words! All they do is say they will expedite the claim and that starts the whole process over again. I contacted the flight site that I regularly use to say that I will never book another flight through them if they continue to offer this insurance company as an option. May not have any effect, but the more that do so, the better the chance this fraudulent entity ceases to exist.

Due to illness, we could not fly. So we called and called for months and never got ahold of a manager at Trip Mate. A claim was opened but the claim was stalled, and we never could anywhere with this company for a refund. It was extremely frustrating. In the end, their lawyers just find loopholes to not refund your money. 2 of us flyers are retired, so this just makes it harder on us financially. Trip Mate is nothing, the company does not actually provide any insurance on your airline flight, as they find whatever spurious reason they can to decline providing you insurance. You might as well not get insurance if you have to buy insurance with this company.

Planned a trip to Punta Cana for my 50th birthday celebration with family and friends back in October 2018. One of my guest was denied a passport after the deposit was paid back in February. Have been trying since June to get the insurance claim resolved!! Will never use this company again!!!

I had a terrible experience going back to the Philippines a couple years ago so I got insurance for a trip in Dec. I had to cancel my trip to go to court in Jan. and Trip Mate refuses to reimburse my expenses. One person I talked to on the phone said, "this company can think of a thousand reasons to deny a claim." This same guy told me my claim had been kicked up to a supervisor and I should get a status result within a week. After not receiving any info for 10 days I called again and was told there was no information and if I didn't hear from Trip Mate in the next 2 weeks call back again. This lasted for a month and a half. Today I found out online that my claim was denied with no explanation. Seems like a scam company to me that can say they are insuring your trip, take your money and then deny any claim submitted.

I have read many poor reviews related to this company and I have come to the conclusion that many are lacking credibility. This company is forthcoming in every aspect. If you submit a legitimate claim you will have no problem. My claim was resolved in less then a month. Shame on all of those who write bad reviews when the problem lies with themselves.

We purchased insurance to cover our Grade 8 class' trip from Toronto to Boston. One child was ill and required hospitalization. We have completed the claims process, and the claim was approved on August 28th. Now it is November 21, and we are still getting the runaround on when the cheque will be written. This in spite of repeated claims on their voice recording that all claims will be processed within 90 days of receipt of all documentation. I agree with the other poster, buy your travel insurance from a reputable company - not this one!

I have two clients to cancel their trip due to personal circumstances. This cancellation started June 29, 2018. They have not resolved anything. I've been calling for months. I was even told that I had sent the claim information to the wrong company. Then I realize that I would have not known where to file if I wasnt instructed to do so. It has been a runaround with no answer since I started the claim. So I filing the review and then Im filing a report with the BBB as well. This claim should have closed a long time ago.

We had to cancel a cruise to Iceland in August. I submitted all my forms to them on August 8th and got a confirmed email. The claim was approved. It is now 3 and a half months later and they have still not issued a check. You cannot get through to a live person without waiting on hold for about an hour then they say that you have to leave your number for a call back. They are the most unprofessional company I have ever dealt with. I will never sail on Windstar again if this is the only option for insurance.

Bought World Nomad travel insurance and went to Asia. Had an accident and broke my arm. Surgery was required along with many nights in hospital, scans, medication etc. I paid the bill myself assured the whole time that I would of course be reimbursed as I was 'insured'. Later I find that TripMate underwrites the insurance. Long story short, after 10 months I still have received exactly ZERO for my medical bills. I have not been told outright that it is denied nor that it is approved. They play every game in the book to wear you out. The communication with them is a nightmare. Look, this is absolute budget travel insurance from a dishonest company. Avoid it. Buy real insurance from a major provider. There is a reason 160+ reviewers here have given them a rating of 1.2 out of 5!

I like many of you bought Trip Mate travel insurance, submitted all of my requirement documents on October 4, 2018! After the big runaround many time, I went and looked at the BBB - many claimed reported, funny thing once you report them to the BBB it showed (or they said it was paid in a few days). I reported them on Friday, November 9 2018 after many hassles and calls etc. Now today November 12, 2018 they called us to say our claim was going to be paid! Report them! There are 692 reports on the BBB site! Want to move your claim and tell about any issues - go online and make a complaint!

This insurance is total crap. DO NOT BUY. We are owed close to 7K since 10/25/2018 and as of 11/12/18 Still have not received any money. This company should be out of business. They are the worst payout of any co. I've ever done business with.

In August, while on a Viking river cruise in Russia, I fell and fractured my wrist. I had emergency surgery in St. Petersburg, spent two days in the hospital and then returned to the ship. Upon returning home we filed a claim with Trip Mate. As of today we still have not received reimbursement and constantly get the "runaround". I am on Medicare and Tricare for Life which does not cover medical expenses outside the US. We have sent information to Trip Mate three different times regarding our primary care physician's information.

Claim still not paid after ALL documentation confirmed received on 8/30. Reps cannot tell you anything except my claim was approved...3 weeks ago and an e check is pending…now 2 weeks and counting. Not one rep I spoke with can give me any explanation except it should be processed soon. I will never use any travel agency who used Trip Mate and will begin a formal complaint to the BBB and Consumer Affairs. Feel bad for reps fielding these calls. Trip Mate is obviously a VERY poorly run company!

I had a trip planned to England and Ireland and took out travel insurance with my travel agent. I did not question the reputation of the insurance carrier. Prior to the trip I had a health concern that resulted in me cancelling the trip. I have heart issues in the past, but have developed a new problem not related to my previous problem. I have never seen a worse run company that Trip Mate. They denied my claim based upon prior existing conditions after 10 weeks. During that time I repeated try to contact someone in the company and was never given anyone to talk to that could answer my questions. They never once contacted me or asked for additional information. I would warn anyone thinking of insuring their travel with this company to think twice about it. Find another more reputable company. They will look for anything they can to deny a claim.

My wife and I were scheduled to take the Viking River Cruise on the Danube. All the needed preparations had been made. Unexpectedly 2 days before the trip I had a very severe arthritic attack making it impossible for me to take the trip and tour. I have to cancel. Fortunately, included in the tour package is the travel insurance with Trip Mate, Inc. Obtaining the refund was no problem. Without any reservation I can recommend Trip Mate Inc as a dependable travel insurance to friends.

I purchased travel insurance for a trip to Europe last summer (not their basic or gold plans, but their top of the line platinum protection for $199). We've had to file a small claim to be reimbursed for medical expenses incurred in Europe (just over $100). I submitted EVERYTHING to them that they asked for. They know I paid for the plan and that I have legitimate receipts, and it's been several months, and I keep getting the runaround. Every time I call, I get the same recorded message about high call volume, etc. When I request a callback and someone calls me back, they assure me that my claim is being expedited, but I seriously doubt that.

My husband had emergency surgery. I sent very detailed documentation using their protocol. It's 2 months since I sent in the material and I cannot get a decent answer from the people who answer the phone as to what the delay is. I suspect because it was an expensive trip they just don’t want to pay. Next step is I will ask our attorney to get involved.

Our return tickets were unusable. Trip Mate refused to refund our money. I wish I had read the reviews before buying from Trip Mate. The policy was useless. We paid our money for a worthless policy. I will never buy a policy from Trip Mate again. I strongly advise others to look elsewhere for travel insurance. Next time I will look at a company's reviews. Not being an experienced traveler, I did not think to do that. Very disgusted and upset with Trip Mate Insurance Company, which is underwritten by Arch Insurance Company. I will be sure not to buy anything from those two companies. Never, ever, ever.

This company kept my money for my flight after I cancelled within the time frame and submitted my son's death certificate in May 2018 (it's almost November now) and spoke with numerous customer service reps and I requested a supervisor to contact me regarding the refund since I had not heard anything in months. Every time I spoke with a representative I was told that they did not know why the claim was taking so long and that they would request for it to be expedited. I only received a letter denying my refund after I filed a BBB complaint. Beware, you do NOT need to purchase ANYTHING from Trip Mate! You might as well throw your money out of your car window if you use this company!

I purchased Trip Insurance for my 15 year wedding anniversary in June 2018. The insurance cost me $190 dollars. For a nearly $16,000, 7-night trip, I thought this was well worth it. Due to weather delays and flight cancellations we were unable to arrive at our resort on 6/18/2018, so we lost 1 day of our travel. No worries I have insurance... or so I thought.

Had a claim on 07/23/2018. Still cannot get it settled! Get a runaround every time I call for a update. It has been in the review hands for Two months? Trying to get this resolved with 14 calls to the company.

I submitted the all documents, receipts by mail on 7/30, I didn't get any response for 1.5 month, then they send me email they need all my receipts again. This is awful company, I wish I review the consumers complaints before, they just don't want to pay you, unless you hire your attorney.

I always purchase travel insurance for long overseas trips and feel good about doing it. So I felt confident when, in June 2018, I had to cancel a trip to Africa due to illness. About a week before the scheduled departure, I filed a claim with Trip Mate. I don't mind the paperwork they require and was able to provide everything. My doctor sent a letter even before I could get my documents together, so no delay there. TM has what looks like a pretty efficient online claim site where you can see all activity so I could track receipt of all documents and communications and progress of the claim. After an initial flurry of entries, all activity ceased. No one ever answered the phone when I called - just a recording which explains that they were experiencing a high volume of claims and refers caller to the website.

While in the initial stages of filing a claim with Trip Mate, and based on the reviews I had read here, I was very concerned that we'd never see any of our money returned. In August of this year, my husband and I had to cancel a trip with Viking Cruises due to his sudden illness. We called Viking on the day we were supposed to depart for the trip, and I downloaded the claim forms from Trip Mate on the same day. My husband had seen the doctor about ten days prior to our departure date and was still not fit for travel. I read the insurance policy very carefully and followed all of the instructions to a tee. It took about two weeks to get all the documents together and signed by our physician. I kept copies of everything I submitted. I MAILED all documents (certified mail with return receipt service). Because of this, I was able to see exactly when Trip Mate received my documents and who signed for them.

I took Trip Mate to cover a car rental on a trip to Barbados in July 2018 and unfortunately I had an accident that cost me US$5400.00. I immediately filed a claim with Trip Mate and to this date October 10th, 2018 I have had no resolution to the matter. Everytime I call the agent says give them another week. Yesterday they said give them two weeks. They promise a 30 day turnaround time but it is now almost 90 days. They never contact you to update you on the progress but tout their service like it's the best. I believe that it is a sham and I plan on filing a complaint with the American insurance regulators and then a lawsuit against Trip Mate and Fareportal if my claim is not settled by end of October 2018.

Wish I could give less than 1! The whole premise of TripMate's Insurance is that you are a liar, you are trying to extort money from them, and that you will finally give up on their "process" and just say forget it! Trip to Europe with my family (10 people). Flight delayed due to weather, had to stay overnight in Atlanta since we missed our connection to London. Lost our prepaid hotel, transfers, and train from London to Paris. Had to pay for a hotel in Atlanta and extra night in Paris. Upon returning home, started the claim "process". They want you to prove EVERYTHING beyond a reasonable doubt! You can't just send your receipts and original itinerary. They want to know the date you purchased their insurance policy! Really?!!

After waiting 4 months they send me a letter saying "that because I live less than 50 miles from the airport they won't reimburse me". My flight was canceled. I am single with no family and the person that dropped me at the airport was a friend and he lives 1 hour away from the airport. So, I thought staying at the hotel I'll get reimburse however, after all documentation nothing happened. This company should be sue in a class suit. They are scammers. Don't waste your money. They won't reimburse you.

My experience seems to be very different from all the other reviews I see on this site. My attorney drafted a letter and sent my collected documentation and within 30 days, my claim was paid. This was a canceled plane ticket from Michigan to Dallas due to a grave illness and hospitalization of my mother. I was sure to provide my attorney all the information requested for the illness and hospital stay. I take my rather infrequent travel plans very seriously and was very disappointed that I had to cancel at all but I was pleased that my claim was considered and reviewed so quickly.

We booked a vacation package with a Sandals resort and of course they "strongly encourage" you to purchase travel insurance to "protect your investment." So we purchased travel insurance with Trip Mate and we were originally scheduled to travel 7/20/18 - 7/25/18 then I unfortunately, I was hospitalized on 7/13/18 – 7/26/18, therefore we had to cancel the original trip. We notified Sandals immediately, and were informed that we would not be refunded any fees we had paid on the room, so the only option they offered was to rebook the room, for which there was a room penalty fee of $185.00, of which we rebooked for 9/17/18 and paid the rebooking fee.

We canceled our Hawaiian trip due to Kilauea volcano (a natural disaster). They denied our claim after 4 months stating that we would have to live in the uninhabitable conditions. Not mentioning breathing toxic fumes, vog and other contaminants. National Volcanoes Park was actually destroyed and closed. They are thieves to take our money and deny our claim. The phone lines are always busy, the callbacks are ridiculous and the agents pass the buck. Do not buy travel insurance from them. It's a SCAM.

My husband and I purchased travel insurance for our July 2018 trip to Sandals in Jamaica back in July 2017. Right before our trip, unfortunately, my father passed away. The representatives I spoke to were always helpful and guided me on exactly what to submit. I recently read many bad reviews on this company, however, we had E Checks in our email about 6 weeks from when we first submitted the claim. We received the total amount (minus the trip insurance cost of course) we paid for our trip. Even though the time the process took seemed a bit long, we are very pleased with the way in which everything was handled. Every single person I spoke to on the phone offered their condolences which meant a lot. My tip for others is to make sure you keep good records and have all of your statements showing the trip costs.