Trip Mate Insurance Reviews

Booked a trip with Viking Ocean and had to cancel Jan 26th due to surgery for a trip in April. We cancelled many months prior to trip and received a prompt refund from Viking but have been getting the run around from Trip Mate even though they admit they have all of the information to give us a refund. I had a conference call with Viking and Trip Mate 2 weeks ago at which time they said they would send the money within 5 days. They continually say they will send the refund but have no explanation as to why it is being delayed.

I filed a claim, legitimate and completed by Jan. 24 for a March 22nd trip. Trip Mate Insurance has yet to pay me the money due. Representatives are polite but totally ineffective. This is a scam to keep your money as long as possible. Tripmate was recommended by CheapOair... It figures. HORRENDOUS.

When travelling, I have always purchased trip insurance never expecting to use it. The trip I planned for our birthday in February this year had to be cancelled due to a health emergency. On January 17, 2018, I turned to my insurance provider, Trip Mate, to file a claim to be reimbursed for my travel expenses as soon as I cancelled my trip. I was immediately sent the claim information and all the necessary forms to complete for the claim. I returned all of the necessary forms via download on February 15. I was immediately sent an acknowledgement letter on February 15. I checked the claim status numerous times with no update shown.

I purchased trip insurance for a River Cruise. My partner passed away unexpectedly before we could travel. The insurance was promoted as "covers everything" resulting in trip delay or cancellation. It's been 2 months since I filed my claims. The service is horrible. It took over a week for them to acknowledge they received my paperwork (which was emailed). Every time you call you get the same line "It is taking longer than usual for claims processing. We apologize for the delay." If you hang on line long enough you might get a real person, but most of the time you are put into a call back queue. When you do get to talk to someone, they only say, "It's all pending and we are reviewing." I had 2 claims, one for the trip cancellation of my partner and 1 for the increase in my fare (single supplement) to continue the trip.

Trip Mate is a ripoff. They refuse to pay claims. I have been fighting a claims since Oct. 2017. CONTACT THE DEPARTMENT AND INSURANCE AND MAKE A CLAIM. After I made a claim with the Department of Insurance, Trip Mate PAID... six months later.

After being hijacked on my way to my flight, I missed my flight. Giving all my details to TRIP MATE I am still waiting for payment after 5 months. On inquiries they states that they are busy with a number of clients before me. Can we form a Class Action against them? Any others in the same boat?

I should explain that I had surgery on my foot last August. My trip was for early March. I book the flight in November, as I thought my foot would be better by March, it wasn't. What makes me really angry is that I called Trip Mate before I cancelled my flight (to make sure the issue was covered), they said it was!!! If they had been upfront with me and said it wasn't, I would have gone ahead and gone on the trip. I would have stayed in the hotel room 80% of the time, with only leaving to get food (Hotel did not provide room service). But I am not in a position to toss money to into the wind. This is a horrible company to do business with. Please save yourself the grief. Listen to me, I'm trying to help you. I will keep yacking about this company until I am satisfied I have exposed them for their lies, all $162.00 worth!

Three couples booked a cruise on Viking, and all took the Trip Mate Insurance at the time of the booking (cancel for any reason). One of our traveling party died before the cruise. We have been 5 months now trying to get reimbursed for his portion of the cruise cost, to no avail. As of yesterday they are denying our claim.

They do everything and anything to avoid having to pay a claim. It took two hours to submit my claim online because they require so much information to prove your case. My bags were lost by the airline and I submitted all the documentation I had. I then received an email saying that they needed even more proof and would not reimburse me.

A meeting I had in Washington, DC was rescheduled to another date. I placed insurance on the original ticket. I received a letter from Trip Mate denial the claim. The probability of the events happening listed to approve the claim is extremely low. Trip Mate is a Scam and should be investigated. I want to launch a class action lawsuit against them immediately.

I purchased travel insurance with Trip Mate/World Nomads underwritten by Nationwide Mutual Insurance Company. On December 27, 2017 for a volunteer trip to Ghana which I had planned for January 27, 2018 until Apri 22, 2018. Two days before I was due to leave I started having chest discomfort. I went to my doctor and he said he wanted to run further test to see what was happening with my heart. I called Trip Mate before I cancelled my trip and told them what my doctor had said. They never informed me that if I cancel my trip because I had not commenced my trip that I would not be able to fill a claim. What was I suppose to do? Go on my trip sick not knowing the extent of my illness?

My wife and I planned what we thought would be a great winter getaway to Jamaica. After looking so forward to this trip for weeks, my father had a heart attack and passed. This was hard enough to swallow but priority is family. So lucky I bought insurance, Right? So wrong. I immediately contacted my travel agent. She submitted the paperwork and also sent the death certificate 10 days later. My father passed on Jan 3, 2018. It is now March 28. We are close to 3 month and I have not received a thing. My travel agent has contacted them weekly and gets the same answer: "We will process this claim next week" or "We are going to make this one priority." Three month and the same runaround. Beware, Beware, Beware!!! I feel now I have to go to the next step legally. Should we have to do this?

After some reviews which I wish I had done before I purchased my trip insurance, I totally agree with the review that states "Trip Mate is the absolutely worst company ever in the history of the world." I had left on a business trip to India, but was delayed a day in Boston. During the night my wife calls me to let me know that mom went into the hospital and didn't have long to live. I cancelled my flight and returned home and she did pass the next day.

The reason for my review is: to warn people how terrible, awful, frustrating, unreachable by phone, Trip Mate is. My advice: Don't do it! Bottomline... I got my MONEY 9 months after I submitted my claim... After calling, calling, calling, month after month. I finally called the underwriter, who called TripMate... And PRESTO! I got through to the claims examiner. Who said, and you will laugh, that the check was in the mail. My advice. #1. Fill out their form perfectly. #2.Get substantiated documents from your MD or hospital and enclose with your claim form. #3. Remember, it is their interest to not pay. Don’t give up and good luck.

Our flight was canceled due to bad weather and we had to get a hotel room for 2 nights and buy warmer clothes seeing we were on a warm vacation and coming home to blizzard. It has been over a month since my claim was filed and I too keep getting the same runaround. It should be finalized in a week. I will be calling them weekly to try and get updates. Family members that we traveled with and used a different insurance company have already received their claim money. We are frequent travelers and I will never use this insurance company again.

Very disappointed as the airline made an error with my ticket and booked the wrong days. It was the correct times but they changed the dates by one day and I had insurance to protect me but that is not true. Thanks for taking my money and I will absolutely never ever, did I say ever use them again. If I could I would give them a negative score.

My husband went to his aunt's funeral in Ohio, but on the way back American Airlines delayed the flight for hours because the crew hadn't had sufficient rest and legally couldn't fly for about 5 hours. Of course he missed his connecting flight, but they put him on another plane that should have made it in time for the last leg of the trip on a small commuter plane. That other flight they put him on was delayed for another 3 hours sitting on the tarmac at O'Hare. Of course he missed the final flight and had to purchase a new ticket in order to get home. After waiting for 6 months, we have a letter from TripMate saying that the airline was not completely shut down for 12 hours or more. What?!? We called, they said the claim is closed. If we want to appeal we have to resubmit everything along with a written formal request to re-open it. They should be shut down.

Trip Mate is the absolutely worst company ever in the history of the world. My fiancé died while on vacation and this company treated me like crap and delayed the claim for an year. I submitted the death certificate and receipts and they tied me up in a never ending process. The government should investigate this wicked company.

Trip Mate denied my claim when I cancelled my trip. They sent a letter stating that I didn't meet the requirements of their reimbursement. I had submitted a form signed by my doctor. He stated that it was difficult for me to be able to walk for 30 minutes which is a requirement given me at the time of the booking. I explained all of this to a Trip Mate agent when I called to cancel my trip. The representative stated that I had a "pre-existing" condition.

I purchased a trip in Expedia in September of 2017, and purchased a trip to South Africa departing in January, 2018. In December, I visited a cardiologist who advised me not to travel further and get an angioplasty that revealed blockages and the need for surgery. I canceled my trip with Expedia who immediately canceled and refunded my hotel and land portions once they received the physician’s statement that I should not travel. The airfare portion was covered by TripMate.com. I filed the required paperwork and days then weeks passed. I was not about to wait for months to pass as others did on here.

After waiting 43 days for my ticket to be reimbursed from a canceled ticket, TripMate simply updated their minimal website with a denial of paying 1800 for 2 first class air tickets to United purchased through Fare Buzz.

There is probably a reason they do not participate in ConsumerAffairs certification. We just canceled a trip with Viking Cruises and they unfortunately use TripMate. The process, in our case, due to medical illness that is ongoing, is a 7 plus page process and requires HIPAA information which I do not see that they are certified to handle but if you do not submit an attending physician's statement, they will not process the claim. I have all the hospital admitting and discharge information to prove the claim but not good enough. Sort of stupid on their part, why plan a trip, pay for it, then cancel. I am not making any money on this, in fact, losing money. In the future, I will use my credit card's travel insurance.

We purchased a South America cruise through Star Destinations, and purchased the travel cancellation insurance through Trip-Mate. We were to leave on our trip January 4, 2018. On December 26, 2017, the day after Christmas, my wife suffered a massive heart attack (totally unexpected) and we were unable to go on our trip. I filed the claim that very day, December 26th, and all paperwork was into Trip Mate by January 2, 2018.

Well I'm not glad I'm joining the group of unhappy clients. I don't know how many unhappy customers it takes for some type of legal action to take place. It sure looks like some lawyer or legal service should look into this company. I am like everybody else on this list. Told to check back, being reviewed, "We have your paperwork and now we can't find your claim." Please have someone look into this company. Stop them from selling a service they are not providing. DO NOT BUY if you do see if you can claim it on your taxes as a donation because you will get nothing in return. I hope whoever received my money get what they desire answer to a HIGHER POWER.

Baggage delay provisions in my contract were clear (so I thought). But upon filing my claim and the many follow-ups, which took forever because it was hard to contact them, I was eventually told that there was another provision (not in my contract), that caused them to deny my claim. It became apparent that this company will invent provisions in order not to pay out a claim. With so many complaints against this company, how come no lawyer has yet taken a class-action lawsuit to put them out of business? I'll participate in class action lawsuit.

We have traveled the world for the past 25 years. In that time we have used many trip insurance companies. This past December we were booked on a Grand Circle trip of the European Christmas markets. Trip Mate was the insurance co. In all the 25 years we have had nothing but success with insurance. Not with Trip Mate. We are beginning to believe that this is a sham organization. We filed a claim due illness with doctors information and everything needed. Every time we call we are told that it's been approved however nothing happens. We travel internationally 2-4 times a year. This will be the first and the last time for Trip Mate. Travelers be very careful about this company!

I have been pursuing a reimbursement for a delayed travel (due to weather) for over 6 months. It is only a couple hundred $, but there is no excuse as to why they have not paid the claim yet, as I provided all the necessary documentation. I have read all the other reviews of Trip Mate on this site and no one has had a positive experience with them. I only wish I would have read the reviews before I paid for the insurance! NEVER AGAIN!

Submitted a claim 6 months prior to the departure date complete with doctors' explicit details regarding the reasons for cancellation. Now it is three months prior and I have to call every other week to reach anyone and all they say is they are forwarding the claim. Why bother having trip insurance? They're taking money without reimbursing anything back. I will not travel with any company that uses Trip Mate as their insurance backer.

I purchased a protection plan for my daughters trip to Barranquilla, Colombia. The main reason for taking out the insurance was due to her anxiety and not knowing if she would be able to complete the trip that she so desired to take. The day the trip arrived she was not able to go because her anxiety went into full force panic attack. After completing the requirement for a refund back in August, we just now find out that we were denied reimbursement. The reason they stated because she was not hospitalized. Obviously they do not understand Anxiety and might want to educate their company employees on what anxiety truly is! A hospital stay for 72 hours does not cure anxiety!

Bought insurance in June 2017 Cancelled Sept 2017 for an African Safari costing over $12,000.00. Had to cancel due to my husband wounds and dementia. To date I have nothing. This company seems to be a scam.

In August of 2017 my girlfriend and I booked a fairly costly trip to Spain. For the first time in my life I elected to purchase travel insurance through Tripmate. A week or two before the trip I received terrible news that my 29 year old brother had passed away. Given the tragic circumstances my girlfriend and I cancelled the trip and cancelled prior to the trip departure date. After 4 1/2 months of back and forth transcripts and sending death certificates to these idiots, this disgusting insurance company DENIED our claim for reimbursement. My immediate family member passes away and you deny the claim!?! I have hired professional legal services and will be pursuing legally so these scumbags do not get away with these disgusting immoral acts. These people are the bottom of the bottom and their terrible reviews support this.

I had a dental emergency requiring a root canal in Poland. The trip was stopped for 3 days. Cost of root canal $500. Claim denied after a 6 month period of letters sent back and forth requesting more and more information. The website is useless and simply shows letters and file entries of when letters or information requested. Totally worthless insurance. Don't buy this crap. Excuses for delays was the hurricanes in the USA.

We purchased insurance because we had booked a cruise and then, a week later, discovered that my husband had a small tumor that would require surgery. We purchased insurance in January and our trip was in July so we had lots of time for his recovery but, surgery always has risks. We paid for the full trip 3 days after we purchased our insurance--proof of our optimistic outlook. My husband did not recover as quickly as expected. Moreover, after the surgery his doctors told him he would need 5 months of post-surgical chemo and radiation therapy. This was totally unexpected. So we cancelled the trip in May.

In August of 2017 I developed a bacteria in my blood and was diagnosed with Endocarditis. The bacteria had attacked my aortic valve. On September 1st, 2017 I coded. After CPR was performed on me to get my heart started back, I was put on a ventilator for a week in which time my kidneys failed and had to go on dialysis and a piece of the vegetation from the bacteria broke off and went to my brain causing a stroke. Ultimately, on September 14th, 2017 I had open heart surgery to replace my aortic valve.

Purchased the insurance for the trip to Cuba and I had to cancel because of eye surgery and Dr. said I couldn't travel. He gave me a statement which I submitted with my claim. However, with this policy you are supposed to be able to cancel for any reason and get a full refund. Eventually, they sent me a voucher for the full amount but this was only good for use on a Vantage Tour. I did not want to be locked into Vantage and wanted a cash refund. I had submit a claim to their Appeals Department. Did this on December 20th and still no refund. And, I can't talk to the Appeals Dept. by phone.

My husband & I purchased travel insurance through Trip Mate for our 30th anniversary trip to the Bahamas to arrive Sept. 2017 when Hurricane Irma hit. Our original flight was through Miami which got shut down due to Hurricane Irma so American Airlines had to cancel our flight and rebooked us for a few days later and, based on their flight schedule, we arrived in Miami a little after midnight and our flight out of Miami on to the Bahamas was at 1:15PM so we got a hotel room to get some sleep. We submitted our $180 claim for the hotel and it was denied under Trip Mate's "Delay" provision. They said because we were not delayed longer than 12 hours they were denying our claim. I called them to ask they reconsider and I got the big blow off. I will now appeal and will also be contacting the Missouri Insurance Commissioner and reporting them. I believe our claim should have been handled under the "Interruption" provision.

I purchased travel insurance through Trip Mate. I got the insurance contract where I could cancel for any reason within a certain amount of days before the trip. I had to cancel due to my funds. I filed a claim 11/13/2017. They said it would take a month to get my money back. I have called about 12 times about the status and still to this day they keep claiming that it is processing with the underwriter and there is nothing else that they can do for me. I told them you all are a business and should update me about everything, but they have not. I made all the calls to them.

I made a claim for my cancelled airline ticket the during the last Hurricane disaster. This is the crap you deal with... The process started on 2017/09/13. They say they emailed an echeck which I never received. They have ZERO credibility and it is useless to try to talk to someone by phone to get it resolved. I was told "It's not our process..." Of course it's not because they don't want to deal with answering the phony operation on how they prey upon the unsuspecting public. They want to pay a small portion and make you dispute it through a BS process. It is a SCAM.

We booked a Mediterranean cruise for early March, 2017. As time was short, we purchased the insurance package offered by the cruise line, A425V. Our two suitcases did not arrive with us. One of them caught up with us 4 days later, but the other was eventually declared lost. Although the airline accepted responsibility, they made it clear that we must deal with our travel insurance provider first to initiate the claim process. Sounds pretty reasonable!

I am convinced this company asks everyone for additional information, even if you have sent every last thing requested. A delay tactic. Then they claim that the evaluation of your claim will start all over again. I purchased trip insurance through GLOBAL ALERT. When I had a fall and clinic visit in September on a trip, the claim was then handled by TRIP MATE. Numerous calls, numerous conversations with TRIP MATE! If they use the word "expedite" meaning they move it forward, be wary. I am only requesting that my medical bill be paid. This should be simple!! They have every bit of info that could be needed. Waiting for a supervisor call once again...I think many of us are seeing an unhopeful pattern.

Check received yesterday for the entire airline ticket. Considered paid and closed ;-)

My experience with this insurance was extremely disappointing. I insured a non refundable airline ticket which I needed to cancel due to Resort closure as a result of hurricane damage. When I purchased the insurance I was under the impression that I could recover the ticket price for a covered condition. Not so. I have to take the airline credit to be used within one year. All they paid was cancellation and reissue fee and it took a long time to get that. Subsequent calls and complaints were unsuccessful. I gained nothing by insuring this trip. The cancellation fees would have been covered by the Resort anyway.

Do not use this company. I filed a claim in September and still have not received claim payment. Our flight was canceled due to the Hurricane and we had to drive back to Ft. Myers. I have called over and over and get put on hold, cut off, and just exhausted trying to resolve this issue. I called Viking who recommended this company and am going to report them also to the Federal Trade Commission. Looking at reviews on-line, this is what others have also experienced. Again, do not use this company.

We booked our honeymoon back and July and had to cancel in Sept due to my husband needing surgery asap. I called for a status in Oct, Nov and Dec and I was told THREE times a check was in the mail. However nothing was updated on my account. I followed up right before Christmas and was told nothing has been done on our account since the claim was filed. I explained how 3 people told me 3 separate times I had a check coming in the mail. Ironically when I called and complained in January they denied our claim with no reason whatsoever. This place is a complete fraud and are just taking our money.

My wife and I purchased a travel package from Viking Cruises which consisted of air to and from Cleveland, OH, 8 day river cruise from Amsterdam to Basel, 2 day pre-cruise extension in Amsterdam and travel interruption insurance (Trip Mate). The trip was scheduled to depart on the 24th of July, 2017 and arrive in Amsterdam on the 25th. Due to delayed flights and mechanical problems, Air Canada was not able to get us to Amsterdam until the morning of the 27th. I contacted Viking and Trip Mate during the trip interruption and filed a travel claim when we returned.

I purchased Trip Mate Insurance on a flight from Sun Country. I needed to cancel my trip due to a death. It has been almost 4 months and my experience is the same as everyone else on this site. All my paperwork has been submitted. I have attempted to call them and are placed on hold. I then leave my number and they call back the next morning. They always tell me they have a lot of claims and my claim is being examined. I have come to the realization that the insurance was a waste of money. I am not sure why Sun Country offers it on their booking website but I feel they should be aware of this scam.

The reason for my review is to say ask questions. Something you would assume would be covered may not be. I booked a tour with a group of individuals through Collette Travel. They offered us travel insurance through Trip Mate, Inc. The trip was a Catholic Pilgrimage to places in France and Portugal but also going into Spain. Due to having knee replacement surgery last year my physician advised that if possible purchase an airline ticket with more leg room. On United Airlines this is called Economy Plus. Ironically my knee problem started on another very long flight. As you know it can be difficult getting up and moving around. That extra bit of leg room does help to take the pressure off legs and especially knees.

It seems this company has too many complaints to respond... A week ago I had to cancel a round trip flight due to physical issues. I filed a claim with this company but no answer yet. I'm 30 to 40 minutes waiting on the phone call and then I get disconnected. I checked the online system but nothing is showing there. I have a claim number from a week ago and nobody from this company is responding.

I am reporting Trip Mate to the Federal Trade Commission and I STRONGLY recommend the rest of you dissatisfied customers do the same at https://www.ftc.gov. I booked a trip through Delta Vacations in May of 2017. My husband was diagnosed with cancer and was advised not to travel. When we made our purchase we were offered 2 separate insurance plans. Plan 1 offered a travel voucher for $99 Plan 2 was for a no questions asked refund for $129. Since it was an expensive trip to Italy we purchased the $129.00 per person plan.

Tripmate states they will provide an answer to all claims within 20-30 days. I just noticed the claim denial in the claims online status. I placed my claim Sept 18, 2018. The denial was dated 1/5/2018. I had called numerous times and was told they had a backlog due to fires, flooding and hurricanes. I truly am sorry for those people who were involved in those natural disasters but My Claim and Tripmates written policy is what is important to me. I asked for a claim as the resort we booked for 7 nights had 1. No running water throughout entire resort. 2. No hot water the first night. 3. Leaking water on the room’s floor from shower & toilets. 4. No flushing toilets. There were other issues but this WAS INHABITABLE and we had to leave and stay elsewhere. I don’t understand how Tripmate could deny this claim. So very disappointed and want to take this further but unsure how.

We received travel insurance through our travel agency Brentwood Travel. When our flight was cancelled and could not get rebooked we had to rent a car to drive from Atlanta back to St. Louis following our return from Paris. None of the airlines were rebooking in the hurricane so we decided to drive back. Filed claim. They never provided updates, you can never speak to anyone and when they finally denied the claim four months later, they would never call back to explain why. Useless insurance coverage.

I have travelled the world with many great companies. My husband and I were to take a trip to Canada. As always, I purchased insurance through Globus' insurance company TRIPMATE. My husband was diagnosed with aggressive melanoma and we had to cancel the trip. I reported the immediately after cancelling That was June 24. It is January 3, 2018. I have heard nothing having repeatedly tried to contact them. I have been on hold on the phone seven separate times at a waiting period of at least 40 minutes apiece, and then was disconnected each time. I am owed $2891.17. I doubt we will ever see that money. Please BE AWARE.

This company did not send monies due since over 2 months ago. Trip was canceled due to hurricane in Florida. I have reported them to the BBB and they notified Trip Mate. I have not heard from them and it is impossible to speak to anybody via telephone. I did receive a call from an agent telling me that the check is in the mail. So far my friend and I have not received anything. DO NOT USE THIS COMPANY. They are not trustworthy.

I purchased a vacation at the Atlantis, Paradise Island through the Atlantis which included airfare and Trip Mate Travel Insurance. My check in date was between Hurricanes Irma and Jose. Jose modeling was projecting a direct hit on Nassau, Bahamas. I was advised by Trip Mate that I had to cancel my reservation in order to make a claim. I did so within days of our check-in date. Claim papers were immediately filed with Trip Mate, and was acknowledged having been received. At the time the Atlantis was offering a free rebooking program for uninsured guests, and the airlines were issuing a 100% value credit to be used within a year. Finally, after many phone calls to Trip Mate, and countless on-line status checks, I received a letter December 11th stating that my claim would not be recognized as the hurricane did not hit the resort, and it remained open for business.

Purchased this travel insurance hoping that it would cover me for cancellation and safety purposes but unfortunately it didn't do anything as it promised. Got my trip cancelled and informed them right away, submitted all the forms they requested, took them a month to respond only to deny my claim and didn't get a refund even a single cent from what I paid for. What upsets me more is the response of the agent that there's no need to get back to them neither ways to amend my request as it has already been reviewed. Upon checking, they also have the lowest and unsatisfactory customer review.

We had booked a cruise through Grand Circle Cruise Line and they suggested we purchase trip insurance and the company they suggested was Trip Mate. We purchased the insurance for our $10,000 river cruise. We were to depart Miami Florida September 9th on Lufthansa Airlines however due to Hurricane Irma all flights were cancelled. Pretty cut and dry. We submitted all paperwork required by October and have heard nothing from Trip Mate Insurance. We have initiated several calls, wait time is terrible so they usually call back in about 6 hours. Same old story, processing, waiting for review, will be expedited, etc. We contacted Grand Circle for assistance and were told they cannot help (they need rethink that). Almost 3 months since claim was submitted and no movement. As I submit this I am waiting for a return call from a supervisor.

I planned a trip to climb Mt Rainer last spring. Weeks prior I injured my neck and back from training with a heavy pack. I purchased insurance on August 22 and canceled on September 11. Here is their response. “In order to issue benefits under the plan on the basis of an injury, we must document the injury occurred while your coverage was in effect (I.e. August 23, 2017) and resulting in medical restrictions preventing travel beginning August 20, 2017 (I.e. before the effective date of your coverage). The attending physician’s statement you submitted also indicates you were only seen on September 15, 2017 (I.e. days after your trip was canceled and when your coverage was no longer in effect). Because we do not have documentation substantiating you were examined and treated by a physician at the time you canceled your trip, for an injury that occurred while your coverage was in effect, Trip cancelation are not payable under the plan terms”.

After 10 years of using this company to insure my overseas travel (of which there has been plenty), I filed my first claim. Rejected on a technicality. My first mammogram ever came back with a lump. My dr was able to schedule me in for a biopsy the day before my trip. During my trip the biopsy site became Inflamed. In addition my cat was diagnosed with a terminal illness and I needed to rush home to say goodbye. Because I got the biopsy the day before my coverage started and cats aren’t people, none of my emergency expenses were covered. Zero. While I’m not an idiot and understand a cat isn’t a human, the mental stress of a dying cat and impending cancer results as well as the biopsy site infection sent me home. This is considered a preexisting condition.

I purchased a ticket to go to Vegas this year and purchased insurance through Trip Mate. After the shooting happened in October, I did not feel comfortable traveling at the time, especially a month after the tragic incident happened. Trip Mate denied my claim, after two months of calling them to follow up on my claim. I’m not much of a traveler and I did not want to go to Vegas. My well being and safety meant nothing to this company. The worst customer service aside from my health insurance. You're on hold for 20 mins and automatically put on their call back list. I won’t recommend this insurer to anyone.

My girlfriend and I did a trip to Russia and on the way back the flight got cancelled because the airlines went bankruptcy. I did a claim back in October 2017 and I called several times but I always have to leave a message for them to call me. When they return the call all they say is that they have a lots of claims so there has been some delays and I keep getting the same story over and over again. I think this company is a FRAUD and everyone should report this company to the authorities.

I was ill in August 2017 and had to cancel my flight. I filed a claim in late August, it's December 13th, 2017 and still no payment. I've called 4 or 5 times, they've promised me by the end of the week and that was early November. Every time I call I have to get on the call me back list, and they don't call back until late the following day, even though their website says they answer every call within minutes. I've had the person on the last call promise me to call back the following week with a status and they never did. I think it's a scam, and I'm wondering if they ever pay any claims. I had all necessary documentation to them in September.

I purchased travel insurance thru American Express Travel for a trip to Tahiti. We had travel interruption due to airport Firemen strike that left us stranded on an outer island of French Polynesia. Though the delayed trip was beyond our control I didn't stress about the expense as we had trip insurance. HAHA I have been trying since May 2017 to get reimbursed with no luck. This is a fraudulent insurance company as they never return your calls, long wait time with an automatic hang up and agents who have no answers to any of my questions. What government agency can be called to report this company fined or shut down??

My husband and I took the travel insurance from Trip Mate offered through Vantage for a recent trip, but about 10 days before our departure we had to cancel the trip for medical reasons. We were glad that we had taken the rather expensive trip insurance, but now, more than 2 months after filing our claim, we have yet to receive payment, and in fact, have received no communication from Trip Mate. I just spent yet another extended time on the phone in the hopes of reaching a live person. This has been my experience every time I have tried to contact them. The representative told me that he would "expedite" our claim, and when I tried to check on the exact dollar amount to be sure that our facts and figures agreed, he said that he did not have access to that information! This gives the impression of being a second-rate enterprise that doesn't deliver the service it advertises.

I booked a trip on Windstar for my daughter, myself and my dad. Sadly, my mom fell and ended up in a traumatic brain injury hospital. We cancelled the trip in early August 2017 and completed all the required paperwork. They sent us a request for the Physician's Statement, which I again provided. I tried to call and sat on hold for 45 minutes, and had to go. I've sent multiple emails with no response. I have now emailed the CEO of Trip Mate. Our travel agent typically recommends high-quality trips and services. This was a miss. It's been four months and no payments. They sent another request to my Dad for the Physician Statement, as if he doesn't have enough to deal with. I will work to get reimbursed and have reached out to my travel agent, but not sure she has any leverage with this.

I purchased trip insurance with Trip Mate since I work in emergency management and hurricane season was upcoming. Hurricane Harvey rolled in and I had to cancel my trip to respond to the disaster. I filed a claim with Trip Mate and uploaded all required documentation. 3 months later, my claim is still pending... I have called Trip Mate almost a dozen times (typically waiting 30 minutes on the line before being informed that they would call me back hours later) and they always informed me that an investigator hadn't taken a look at my claim yet. Even after expediting my claim, I still haven't heard an update (as of 12/2)... This is absolutely unacceptable for an 'open and close' claim. I could understand delays if they had issues or questions about my documentation, but to not have assigned someone to the claim is horrible, horrible, service. DO NOT RECOMMEND.

Booked online with a discounted rate airline site, so thought in case of any problems I'd purchase insurance. Travelling from DFW to San Juan, for a family funeral, during hurricane season... And, yes, got hit by Hurricane Irma and followed by Hurricane María hit. The airlines cancelled flights. Funeral was cancelled, so no need for trip, so not rescheduled. Contacted the insurance company to begin claim, and it has been like a JOKE ever since. Companies like this need to be held accountable for their lack of service, a service we all paid for ahead of time. They are worthless. You call to check on the status of your claim after almost an entire month, you sit on hold forever, are given the option to be called back, and when they do call back the agents ALL have had a horrible attitude, like you are at fault for something, like you are bothering them...

My daughter was told she could cancel her trip for any reason if she could not attend the trip. She cancelled 9/6/2017. Today is 11/28/17 and I still have not been able to get anything out of them. I call every week and get the runaround. The travel agent is of no help. I was really hoping that her school, who promoted this, would assist but again nothing. DO NOT USE TRIP MATE!!!

My mother and I were to go on a River Cruise in Europe in September. The weekend I was to fly out, we had a hurricane (IRMA) here in Florida. The airport was shut down and I was unable to get to Denver to pick up my mother and fly to Europe. Viking recommended Trip Mate for the insurance company. We submitted the claim on Sept. 6th and all of the proof and documentation they needed. Still "under review." If we do not re-book within the next few weeks, the cruise will sell out and we will not be able to take the trip. VERY DISAPPOINTED and FRUSTRATED with this company. It has been 3 months. The insurance was approx. $1400 for 2 people (that, in and of itself, is ridiculous to begin with). Wondering if this company is a scam and if anyone gets their money back.

I am in hearty approval of the numerous negative ratings for this insurance company. They are difficult to get on the phone and don't really have any information when you are able to reach them. I have submitted a claim for cancellation reimbursement about two months ago and am still waiting for payment in what should be a very straightforward claim. I think that the various travel companies that deal with this company should be ashamed. Grand Circle you can do better. Better get your insurance from another insurance broker than deal with these people.

I also sent in all my information 2 months ago and have not received my money back. I have e-mailed and called them and have never heard back. This company is a total scam. I bought it through Viking River Cruises. They should not be using this company. I have not received any help from them either.

We purchased a no-cause policy for a National Geographic trip through NatGeo as the recommended insurer. We had to postpone the trip and did so within the three-days required. We applied for a certificate to rebook at a later date. It has been two months now and they still have not gotten around to reviewing the claim. It impossible to get a customer service person on the phone. You have to leave a number and they will maybe call you back the next day. If you happen to not answer (because the call is an anonymous call from Kansas City) you are out of luck. I have now tried working through NatGeo and they don't appear to be able to get through either. This business is a fraud and I am disappointed that a venerable institution like NatGeo is using them as the recommended trip insurer.

We had a paid trip with Vantage Travel and because of my wife having a severe foot problem, which she still has, we canceled in August. Vantage sent us a portion in cancellation and said Travel Mate would send the rest of the paid account. We did all the required paperwork and had her Doctor send a signed review of her case. We have yet to receive the refund despite numerous phone calls. I finally had a lawyer friend make contact and as of yet nearly 5 months later we have not received even a notice of our claim. They seem to be a true money grubbing operation and have not ethics. The same applies to Vantage Travel.

I still am holding out hope that I will actually get my money back for my wife and I. I booked a trip to the Caribbean for our 2 year anniversary back in early spring 2017. We were scheduled to be at a Sandals resort the 2nd week of September 2017 for 10 days. Well, unfortunately the hurricanes put a stop to that. I monitored the entire time, & filed my claim 1 week before departure was even scheduled. With all that being said, I purchased this insurance when I purchased the trip too, knowing it was hurricane season! I filed it all online, made sure to do every step correctly.

Trip Mate has received every document they requested for my claim. Pages and pages of information and now I received a letter requesting “a copy of your revised itinerary along with payment documentation for the return flight”. My original flight was from Belarus to Dominican Republic for one week. What return flight from where to where? I am still in Belarus. I have NOT return to USA! That trip was for vacation. The vacation was CANCELLED because I developed an acute ear infection! They have seen every document proving that. They simply do not want to pay a legitimate claim. They are in the business of collecting premiums, the biggest scam.

My experience with this company is the same as the reviews I have read: paid fee upfront for insurance, trip delayed due to weather which created expenses of lodging, loss of pre-paid travel and meals, etc. Calls to company have extremely long wait times, resulting in promises of immediate action such as "expediting" claim and return call by end of the week. Never happens. Surely someone has begun legal action against this company. Can anyone tell me the home state of the company and the status of any legal action. We should get together to sue for the money which was promised when we purchased the insurance.

I had minor suitcase damage on a trip to Spain/Portugal this past May/June. Filed for reimbursement on June 19th. After numerous calls--that are never answered--and eventual callbacks. After requests for additional information which they already had acknowledged receipt of--I finally actually received a check on August 30th.

School sponsored trip to NYC ended for my son and I due to flu. This is exactly why I purchased insurance through this questionable company - trip was scheduled a year in advance and was taking place at the height of flu season for our area. And as the flu usually does, it hits you out of nowhere and this is what happened to us while we were waiting to board (over 4 hours - another story in review for Explorica Co.)

I too like so many made the mistake and purchased travel insurance from Trip Mate. My flights were cancelled in July and I had to pay for alternative transportation to get me and my wife from Philly to JFK airport or lose my international flight out of JFK altogether. I provided the required documentation to Trip Mate and was denied based on the claims agent's views and not the facts. I have filed a claim with BBB and the State AGs office as their deceptive and fraudulent business practices must be addressed by our legal system because they have been getting away with this for over twenty eight years. Please at all costs save your money and stay away from these con artists!

Wow. These guys really blow. My claim was a clear-cut, SINGLE-line item and they still took 6 months to process it. Their status updates on their website are useless, broken, and completely uninformative (See attached). I'd see no updates and call every month and they'd say, "We're working on it..." and give some excuse. The latest being the hurricanes. Which is lame, because my claim was submitted in May. I finally got my settlement in October. You shouldn't even start with them.

Filed claim in August and it is Oct 26th and we still do not have our refund. It says "reserve posted". Husband needed emergency surgery and all forms completed as requested. No reason for this long of a wait. Had car rental insurance and our timeshare insurance for the villa and all money refunded within 10 days. Like others said, no one answers phone and you have to wait for a call back.

I purchased a celebratory flight with my brother and cousin to travel to Europe. One month after the purchase I had an infection develop that prohibited me from flying for an extended length of time. I followed the process for starting a claim with Trip Mate and provided all the necessary and required documents. Four months later it was determined that Trip Mate felt that I did meet the qualifications for a cash refund and issued a travel voucher despite the fact that I cannot fly (which was listed on the paperwork my doctor filled out).

We filed a travel claim on 3 July 2017. Took until October to process claim. It is October 20, 2017, and still no refund. This is insane and unacceptable. DO NOT use this company for your travel insurance. They NEVER answer the phone. Their automated call service is a cruel joke. The online claim tracking system is screwed up as well. Once claim is "processed" it no longer appears in this system. So, I can't get them on phone and can't see my claim in the online system. They owe me thousands of dollars and clearly don't want to pay it out. I would think the Trip Mate employees would be embarrassed to admit they work for such a crap company.

I submitted a claim with Trip Mate on August 30th this year, and they have yet to process it. This is unacceptable, and there is no way to contact them! They never answer the phone, and call back only to say that they do not have any update of information for me because the claim has not been processed. What kind of company is this? They are either severely understaffed or underfunded or both. Wonder if I will ever hear back from them.

I paid a significant amount of money to cover myself and my family (4 people) on an Asia trip.The heretofore reputable broker on the trip suddenly defaulted very near to the departure date and had not paid any of the prepaid ground in Asia excursion costs. Hence my $32k prepaid was at risk. The Trip Mate policy was supposed to cover Tour Operator default and Agent Commission so long as all conditions were met. I rebooked the trip through my travel agent directly w/ the Japan Ground Operator and paid a second time assuming that Trip Mate would refund the original deposits and Agent commission. In the end, my credit card company actually refunded the entire original deposit. However, not being certain if a refund would or would not occur from any party, I made the claim with my Travel Agent's advice with both parties.

I submitted a LOT of required documentation for a claim that I submitted on 7/24/17. I was told to expect resolution in 30 days. On 9/1 I called them and spoke to Tina who told me that I would get an update from her on 9/7. That call never came. I called again on 9/15 and spoke to Jane who said I would get an update within a week. Again, no follow up. I called again on 10/3 and talked to Jeff who says I should hear something “very soon”. He is unable to put me in touch with a supervisor. As of this date, there has been no resolution to my claim and I expect there won’t be based on previous failure to follow through. DO NOT BUY ANY TRAVEL INSURANCE FROM THIS COMPANY!!

To begin with we purchased trip insurance through our travel agent not knowing anything about Trip Mate. We were traveling to Ireland and thought it would be a good idea to protect ourselves since the trip was very costly, and our first trip overseas. A couple of months before our scheduled departure my Father in law became unable to take care of himself and it fell to my wife and I to take care of him. I talked with our travel agent who suggested we file a claim with our trip insurance aka Trip Mate. I pulled up Trip Mate on the internet and was horrified by all the negative reviews. We really had no other options so went ahead and filled out the lengthy claim form.

I submitted my Claim in March 2017. It's now September 18, 2017. Have Not seen my Reimbursement or any update on their website!!! My mom was murdered while on vacation in Mexico!!! Submitted everything and still that was not good enough. Denied my claim, I appealed. Still nothing. I give up... I want to also join the Lawsuit. Never have I felt Robbed and Scammed until Now. Tripmate is the worst, Heartless, undependable, Scammed, Liars, Mislead, Thieves, etc. Shame on you. Keep my $548. Hopefully it buys your Claims Examiners A???

My wife and I purchased Trip Mate Insurance from Collette Tours when we decided to take a trip on April 3, 2017 To Ireland. While on the trip, I became sick and had to see a doctor and also get some prescriptions filled that the doctor recommended. Total bill for both were $100. I filed the claim to get my money on 04/17/2017. I sent all the required documentation and did not hear from them. I called twice and the last time I was told this plan was an Excess Plan. It only pays the amount your other insurance plan does not cover. They don't tell you it's a third-party insurance company with shady rules until after you make the purchase. They wanted an Explanation of Benefits indicating the amount paid or denied for the submitted expenses from my insurance company.

I reserved a all inclusive vacation package through Apple Vacations and purchased travel insurance through Trip Mate. Due to airline cancellations my trip was delayed for a day and a half resulting in me having to fly economy versus the First Class seat purchased and missing the first night at the all inclusive resort in Jamaica. Upon my return I immediately contacted Airline who promptly issued a refund on August 10th of the difference in fare paid for the first class seat. Unfortunately the refund check was sent to Apple Vacation who held it for over a month before returning funds sent to them on my behalf. I should note that Apple Vacation's "travel agency" did absolutely nothing to assist in rebooking flights when the airline canceled or in requesting this refund. When I contacted them about my refund they lied and said it takes a month to get mail from the airline!

I purchase this Trip Mate Insurance the same day I purchased our trip. We were told that we could cancel at any time and get a voucher back but for cash back we would have to have a medical reason. I have not received my letter but I did call the company today, again, because I saw the claim was denied and the case is closed! I do have a medical reason and the doctor's certificate was sent along with the other required information. I need a total knee replacement on my left knee and an unable to walk long distances.

We canceled our flight within 24 hours due to illness. We have submitted our Medical and doctor's report. There has been no communication except an acceptance of our documents online. This a very simple, straightforward claim and I have a feeling that this company is a sham and does not pay their claims. I will wait ten days and start the claim through the Insurance Commissioner.

We were all set to go on a Gateway to Eastern Europe tour when a serious health problem occurred to my husband. Viking was not contractually obligated to refund us any moneys, but we had purchased trip insurance. Trip Mate (or Tripmate - the company has not decided) was the only insurance we were offered. It's been almost two months since we initiated our claim with them and we still have not been reimbursed. Every day they have new, ridiculous excuses for us not receiving e-checks they supposedly issued - "Have you looked in your Spam box" was a favorite with all their reps.

Bought TripMate insurance for Mt Blanc hike through Country Walkers and am terribly frustrated with the experience. Had to cancel the trip at last minute due to medical emergency, submitted all the detailed paperwork including Dr letter on Aug 2 and as of Sep 11 have received absolutely no communication or response from them. They give you a website to track progress which claims they have send acknowledgments, but we have gotten nothing.

The following is what occurred when we attempted to leave for our river cruise on June 14, 2017: Our Itinerary had us booked on United Flight 326 (departing at 2:10 PM) from Orlando airport to Washington-Dulles airport connecting with United Flight 989 (departing at 5:20 PM) from Washington-Dulles to Frankfurt, arriving in Frankfurt on June 15, 2017 at 7:20 AM. From Frankfurt, we were booked on Lufthansa Flight 1336 to Budapest - our final destination.

We bought trip insurance through Viking Cruises at Tripmate which handles traveler insurance for Viking Cruises. We had to cancel the trip for medical reasons (cancer) and I have been trying to get the Tripmate portion of the refund since July 18, 2017. Viking paid the refundable portion recently, so they are off the hook. But Tripmate is either stalling, incompetent, or both. I filled out the claim form on their website in July. All seemed fine. When I called a few weeks later to find out the status, I was told that the website is (and apparently WAS not working). (It seemed okay when I entered the info earlier).

While on a flight to Greece my husband's cosmetic bag was stolen or lost out of his backpack. Included in the bag was an electric razor, hearing aids, and some small personal items. When we arrived in Athens, we noticed it was missing. We immediately told our tour director who filed an incident report with her company and filed a lost item report with Delta Airlines. Upon returning home, we filed a claim with Trip Mate online on July 7, 2017. We filled out their forms and emailed them on that date. They said they did not receive the email, so I sent it again on July 11, 2017 and also mailed them a paper copy on that same date.

My wife and I purchased a travel insurance policy through Grand Circle Travel for our trip to Australia and New Zealand. Unfortunately for me, I had a kidney stone the entire time I was in New Zealand and had to go to the emergency room three times because the medicine they prescribed was not strong enough for the pain and their limited availability of medical services in cities that have 20,000 population.

I had purchased Trip Mate travel protection plan along with the return flight ticket in Qatar airlines from CheapOair website. My father was admitted in hospital after a massive heart attack. I took the flight on October 20, 2016 and reached my home. My father died in hospital after 8 days. I had to cancel my return journey which was booked on Nov 22, 2016. I called up Qatar airlines to cancel and refund the return ticket, they denied telling that ticket was booked from broker/3rd party. CheapOair denied the cancellation as one way journey was completed. I lost the money for that return ticket.

Anyone wanting to file a lawsuit please feel free to contact me **. A group of myself and family members (9 total) planned a trip to Mexico in May 2017. We all got the insurance from Trip Mate. Bought and paid for in November 2016. I had never bought travel insurance before. Our travel agent told us that we get a full refund for any reason what so ever if we are unable to travel (death, sickness, work. etc etc etc). It was the day of our vacation at the airport waiting for our flight. We had some time to grab something to eat. Everyone wanted to eat different things. My husband and middle daughter ate the same thing from the same place, eggs sausage and potatoes. Shortly after eating my daughter become ill. At which time I thought it was because she had had too much to drink the day before. She said she was fine.

We had a trip planned for St. Lucia on June 5, 2017. On May 19, 2017 my husband had a stroke. We paid for our trip in full and travel insurance on October 25, 2016. Today is August 4, 2017. WE STILL HAVE NOT RECEIVED OUR REFUND. They received ALL documentation necessary to complete the claim on June 25, 2017, including doctors' orders. My next step is to let Sandals know that Trip Mate is uncooperative at best and that they should not do business with them. I am so angry right now that I had to write this review. They don't deserve any stars - not even one. If you book a trip DO NOT USE TRIP MATE. Travel insurance is for unforeseen circumstances. This was paid in full in October of 2016 for a trip in June 2017. Now that my husband is disabled we could really use the money - which was a good amount for an all inclusive vacation at Sandals in St. Lucia. I can't believe the audacity of these people.

Last April my wife and I were on a trip to Africa when she slipped and fell injuring her hamstring. She had to be helicoptered to nearest city that had medical facilities. She had to be put up in a hotel room for two days. We had to charter a plane so she could rejoin the tour. When we returned home we filed a claim with our primary insurance company. They paid for what they were responsible for. We then submitted a claim with Trip Mate for the balance. In two months we received reimbursement for the plane charter, the hotel room with meals, two days trip interruption and the balance for medical bills our primary insurance didn't cover. Once we submitted our claim we never had to contact them regarding our claim. Would not hesitate to using Trip Mate again.

The last portion of my flight from JFK to Reagan DCA was cancelled by the American Airlines for no reason and they offered an alternative flight the following day that is more than 24 hours. I could not wait for the following day as I have appointment in the morning, so I drove from NY to Washington DC through Hertz Rent-A-Car. I filed the claim with the corresponding docs and it's been 2 months and no action from Trip Mate. The amount I claimed was much lesser than what I have spent as I did not keep some receipt from the restaurants but still Trip Mate failed to deliver their promises when they are advertising for their Insurance products. This is plain scam, don't buy it.

In March I had to cancel a Viking cruise for 2 clients due to a heart surgery (not preexisting) and they had Trip Mate Insurance. As of this day July 28, 2017 no refund from Trip Mate - over 25 phone calls to them and being told a different lie each time and assurance it would be settled in 5 days (been told that numerous times) still no refund for my clients. Never ever can you talk to a supervisor - I also called the main office in Kansas City and no call back there either. Worst company ever! Please do not sell Trip Mate insurance!

This company is not an insurance company, they are just a scam. I booked a ticket to see my dying mother-in-law as I wanted to see her before she passed. I purchased the insurance because I knew something could happen to her before I flew out there to see her. About 10 days before my flight date, she took a bad turn and the family had to move her to her son's house in another state for hospice. I could not believe the paperwork they expected me to have filled out to prove that she was ill and in hospice. First of all, she and her doctors should not have to fill out anything, she is dying!!! Her family should also not have to get the physician paperwork filled out because this is not their problem! And HIPAA will not likely allow any of this paperwork to go anywhere without her signature (the signature of a very ill, dying woman!) REALLY?! This company needs to be exposed for what it is - fraudulent!

Travel protection plan for Apple and Blue Sun vacations - I mailed my package to them weeks back, called and they tell me they haven't received. Several conversations with different persons, all repeat the same answer that isn't an answer. Website looks like a large corporation, but upon asking one person I spoke with they only have 15 to 20 people? Later conversation advised not so. Now they want me to register mail or priority mail my receipts which are all in Spanish and I am clueless to what TripMate's so called translator will truthfully address. At this point I am wondering if I was sold a bogus insurance policy.

Took Trip Mate Insurance on my flight from Sydney to London through CheapOair cost $79. The return leg of the flight was canceled by the airline. So I canceled that flight and booked an alternate flight a few days different to the first flight. Asked CheapOair to transfer my insurance to the new flight. The consultant was adamant I had to change it with Trip Mate. As I found out today Trip Mate do not cancel and alter insurance plans. Trip Mate can have the $79 for nothing, but I promise you this, I will NEVER deal with Trip Mate again. What a scam. I bought this policy in good faith. Totally disgusted.

This expensive insurance ($1,000) for two was paid at the time of booking to cover pre-existing conditions. While on a trans-Pacific cruise in April/May I developed a serious asthmatic bronchitis. As a retired medical doctor traveling with a cardiac pacemaker, insulin pump and CPAP machine, I treated myself successfully with medicines I always travel with but remained short of breath with any modest activity on shore excursions. Shortly after returning home, we decided to cancel the active trip with Overseas Adventure Travel booked for this September and covered by TripMate for fear that all the activity would be too much for me to handle after this experience. OAT returned everything paid except the cost of the insurance and a $600 cancellation fee. They told me to file a claim with TripMate for the $600. I filled out all the forms, answered all the questions and carefully explained my illness to them. That was on May 17.

Perhaps several of us should initiate a group action lawsuit.

After approximately 2 1/2 months Trip Mate did reimburse me for my claim. I will give them credit for that. However when I first filed my claim I was told it could take up to 25 days to get a resolution, not 70+ days! I was on the phone with their customer service many times. I would probably buy the insurance again, but I hope I never have to file a claim again, its very frustrating.

This is the most deceitful insurance company I have ever dealt with -- reaching them is difficult and when you do you are given a different answer from every person you speak with. I spent many hours documenting a claim because I was told that was what I needed to do by one person and just found out that not one penny will be covered. Time for a lawyer.

The company is non responsive, does not return calls and is either incompetent or interested in avoiding any payout at any cost. They cannot be reached by phone. They do not return calls after shutting you to leave name and number. Call backs are not received. Emessages are not responded to. I found a local number to get around call center number and though the receptionist wants to help the claim processing and the appeals units are the most robotic workers ever. Very bureaucratic. Getting anybody beyond line staff is impossible. Corporate hides their number - you end up at call center. I guess I have to call the news.

I purchased travel insurance for a trip from NY to FL in March. NY was hit with Winter Storm Stella, a State of Emergency was declared and everyone was asked to stay off the roads. Our flight was canceled; we rebooked for the next day and it was canceled again. Trip Mate denied our claim because in order to receive a refund we needed to be hijacked, quarantined, our home destroyed by fire, we had to be in a car accident on the way to the airport, the airline went on strike, we were called to active military duty or our city was hit by a terrorist attack!! Honestly, Winter Storm Stella and a State of Emergency wasn't good enough to get a refund. Stay away from this company!!!!

We purchased Trip Mate insurance from Viking Cruise Lines when we were taking a trip on July 4th down the Rhine River. About a week before our departure my husband fell and Doctor said he should not go. I called Trip Mate and they said as long as we had a Doctor's note we would be reimbursed for his ticket. My sister then paid full fare to go with me because it was too late to transfer my husband's ticket. She also purchased travel insurance through Trip Mate because we still had faith in Trip Mate. I came back from the trip and filed all the appropriate paperwork twice and were denied twice. Are looking to pursue legal action. Any replies would be appreciated.

I purchased Trip Mate Insurance for a long overseas trip. I selected a pretty comprehensive plan as I knew I would be traveling for a while and in many different countries. I submitted two claims which were fully within the terms of the plan as to what the plan covers. Both claims took forever to process and it was an excruciating process to get a customer service person on the phone and receive any updates. What's even more infuriating is that both claims were denied for no good reason. It then took me another long process to appeal the decision, which was again denied. What a colossal waste of time, money and energy. I highly suggest you do not use their service.

I bought Trip Mate Travel Insurance through AAA for our trip to Italy. We were celebrating our 50th anniversary. In Italy I became sick and had to see a doctor and also get some prescriptions filled that the doctor recommended. Total bill for both were $175. I filed the claim to get my money on 11/14/16. My own insurance company Cigna reimbursed me for most of it. Trip Mate was responsible for about $45. It is now June 2017 and this company has not paid me anything after I followed their instructions on how to get them to pay the $45. They do not return calls or answer their phones and if you're lucky enough to get someone to answer the phone they do not tell you the truth and constantly change their stories.

This company is a SCAM. I got additional insurance on my flight and it said it covered flight cancellations (it said this in the screen and also in multiple emails sent to the customer). Yet when my friend was in a car accident and I needed to make changes I was told unless I had a doctor saying she was too sick to travel in an official document I would not be reimbursed for any changes.

They have a very poor or worst customer service. I have filed a claim on March and until now I have not receive my claim. I was told a week ago that I'll receive my claim after a week after check is printed. It's been a week now and when I called earlier they told me it was not send out because it will take another two to weeks to mail it... The representative that I talked to named KAREN told me some excuse about their system. Friendly advice don't purchase any protection plan from TRIPMATE!! They will just give you a headache.

There are reliable travel insurance companies but AVOID THIS ONE! My Flight in February was canceled. There was a blizzard and the entire airport closed down. I have all the documentation. It is now June 7 and NO REFUND YET!! They have stonewalled me for four months! Online: "We are unable to locate your claim." Telephone? Wait time 15 minutes, I waited, and then -- nobody! Have spent endless amount of time on this and now must spend more time filling out forms at Better Business Bureau. When will they shut this operation down??

Because of the commercials and integrity of this company we did not hesitate to enroll in Trip Mate Travel Protection Plan. Upon trying to cancel the trip, which we thought was covered for any reason, we were told that it would be $100.00 per person and $1438.00 for the Trip Mate insurance. Their reasoning was that since we would have to pay Viking Cruises $200.00 for cancellation that we were "using" the insurance and that it would be activated. We did not receive any information regarding a time frame for cancelling the trip so that we could get our money back regarding the insurance. BE AWARE and do not buy this insurance. We are very disappoint in this scam.

When cancelling a Viking cruise, they told me that the insurance was not refundable, although we bought it so we could cancel for any reason. We are out of $1436.00. This company could not be found on any BBB website. Do not use this insurance company. We bought it without question because of the integrity of Viking cruises. We did not receive anything in writing that would alert us of the facts of cancellation of the trip. What a rip off.

Their customer service sucks!!!! I paid for my premium in a timely manner for a policy that says you can cancel for any reason. I unfortunately due to illness that could have ended my life I was unable to travel. I sent them over 30 pages of documentation of the hospital stay, the claim form, doctor's statement, hospital bill, copy of invoice where I paid for the cruise and for the insurance. One month later I still don't have my money!!!! Viking River Cruises should partner with someone else because these people suck!!!!

My wife and I worked with Tenon Tours for a trip to Ireland and England to celebrate 30 years of marriage. The trip of a lifetime. We were delayed leaving because of weather, flights canceled out of Norfolk. We lost the first day and a half and had to spend on a taxi and train in Ireland to catch up with tour. On the last day of the Irish part of the trip a family emergency caused us to leave early missing the last day in Ireland and all 6 days in England. Tenon Tours was little help getting back and the CIE people just reminded us we bought the tour from Tenon not them.

We had to cancel our Hawaii trip in Jan, 2017 due to illness. I started the claim process Feb 7, 2017. We had CSA for the cruise ship portion and Trip Mate thru CheapOair. CSA was no problem getting our claim money within a few weeks... HOWEVER, I called Trip Mate, to make a claim for the airfares (called SEVERAL times and left my phone # to call back, one of their options, NO return call). FINALLY I called back and waited almost 1 hour for a live person.

We were in Mexico in Feb 2017, we booked for two weeks and took the insurance. We had to come home a week early due to my husband being ill. We had to pay an additional $200 to pay for flight change even though it was a charter flight. He saw his Dr. the day after we got back, I filed a claim with Trip Mate. We supplied all the information they required and now about four months later are still getting the run around. He had extreme swelling in the groin area and now we know he has cancer and the Dr. has written a letter stating it was a good thing he was seen ASAP but they don't seem to care. The resort gave our room away right away so they have gotten paid double. THIS INSURANCE IS A FRAUD! We all need to report them to the better business bureau.

As I read the other reviews I see a familiar pattern occurring in with Trip Mate charges a very high fee ($700 in our case) then refuses to honor its contractual obligations. My boyfriend purchased Trip Mate insurance for a trip in Feb. 2017. In November 2016 he was diagnosed with throat cancer, which has one of the most severe and painful treatments of any type of cancer. He contacted Trip Mate during the appropriate period and supplied them with endless documentation, including the lengthy report they required from his oncologist.

You have been warn - look at all the reviews, they are very consistent. I went on vacation late January and had to go to the emergency care center on site. I submitted my claim as soon as I got home which was very early February. Each time I follow up they say either they need more information which they have or it is under review. I am also constantly being told the claim is being expedited (which it is not) or a supervisor will call back which does not happen. This company does not care about anyone. They continue to lie and you get the feeling they do not want to pay out any claim. This company is a scam and I will never buy travel insurance again - I am surprised with all the complaints they are still in business. If there was a way to give less than one star, I would.

I recently purchased travel insurance from Tripmate.com. However when I was unable to travel and notified Trip Mate as well as filing and providing all required documentation, I was denied 45 days later. It seems like someone has to actually be comatose to qualify for their claim...

My flight was canceled due to a blizzard, and I lost my hotel payment for the first day of a planned stay in Quebec City. I purchased travel insurance against any such occurrence from Trip Mate Insurance. After filing a claim for $94.00 I heard nothing for weeks, and the online site gave me no useful information. After about 6 weeks and my multiple follow-ups, Trip Mate denied my claim with no reason given. Do Not Purchase Trip Insurance from this Company. It lacks all customer care and simply denies claims.

When I first called they said that most of the communication was through email. Then they told me they have a block number when they called and our phone blocked them. Why would any business want to use a block number when calling their clients and also now I am told that they really do not communicate by email. Every time I called claim is still under review and the only thing that would be covered is the cost of the wallet which I have no idea of the cost as it was bought many years ago. So we my husband and I only spent over 600 dollars for the Trip Mate travel insurance and received nothing. So for any person traveling do not buy from Trip Mate insurance.

No resolution 5.5 months after claim. Had to cancel; put claim into Trip Mate January 2017. To this date May 18, 2017... still getting runaround. No decision on refund. Every time the company requests additional information - wait another 10 business days. Told that my medical record was not received with a request April, May and then Trip Mate needed to send a check for copy. My PCP never contacted and did send letter in January 2017 could not fly. I am 78 yrs of age. Who does anyone know that would not have a "preexisting" something at this age. Keep getting the runaround, pulled by a chain and no resolution or Refund. I am on a fixed low income and though the insurance was purchased in good faith, the tiny, tiny print did not receive. It's a SCAM and RIPOFF!

I do not normally buy travel insurance, and Trip Mate has given me a good reason to NEVER buy it. My 97-year old dad came to live with us three years ago. He celebrated his 100th birthday in October last year, and passed away in November. Before he passed away, my wife and I received a wedding invitation to a wedding in Oaxaca, Mexico. We had to attend this wedding, so I booked our flights but bought travel insurance, just in case. It so happened that my father did not interfere with our travel plans, but I did. I hurt my back to the point of being unable to move one day before our planned trip.

I had a planned trip on a cruise leaving on 2/26/17. I had the trip planned for several months however my mom fell the weekend before my trip. And seeing that she was 87 at the time got admitted to the hospital and I have POA and in charge of her health care. I had to cancel my trip to make any medical decisions. I filled out all the necessary paperwork, I sent a copy of all my mom's health records her discharge summary and H&P. Also I sent a copy of the POA and health care surrogate. I did get a response from the insurance company that they needed a confirmation of the canceled cruise. I sent a copy of that back to them via fax right away. I followed up to make sure they received it. I spoke to a Shay and they said they would expedite it.

This is the letter I wrote to the President of Trip Mate -- Dear Mr. Finkle: I am writing to express some concerns with some travel insurance that my husband and I purchased for a recent trip to Barbados back in February of this year from your company. First, I would like to take this opportunity to say that your organization does not deliver what you promise. Example number one: Our trip was February 18 through February 28th, 2017 and upon our return I immediately contacted Trip Mate to file a claim and was told I would have the issue resolved within 30 days and it took two months to receive my denial notice. Your very own LinkedIn page says that you offer a state of the art claims and handling department designed to specifically assist customers and to provide them with peace of mind knowing their vacation investment is protected.

NEVER USE THIS COMPANY. THEY ARE A FRAUD AND SHOULD BE REPORTED TO THE MISSOURI GENERAL'S OFFICE. I purchased a ticket for my son who had a medical issue and was suppose to be released but the doctors wanted him to stay longer. I provided all the documentation and written letters from his doctors that he could not fly, but then this company made up something about a 60 day period for pre-existing conditions so I purchased the ticket one day before the 60 days were up (convenient, if I would have purchased the next day, they would have told me a 61 day period) and denied the refund and I still have to pay for the travel insurance.

If I could add minus stars I would. My wife who happens to be wheelchair bound purchased Trip Mate travel insurance when making a booking with CheapOair. NEVER AGAIN! And that includes CheapOair! We live in Malta, Europe but as my wife was traveling to visit her mother in Florida, it was much easier to pay in USD, not €, I therefore booked her through CheapOair.com not .co.uk.

I purchased Travel Insurance for me, my wife and 81 years old mother-in-law for $647.00. United Airlines flight to Punta Cana on February 11, 2017 was overbooked and they denied boarding to my 81 years old mother-in-law. My wife and I could not leave elderly person behind, so we had to leave flight as well. We were booked for the same flight next day. So, we are not at fault and had lost nonrefundable payment for a day stay in resort, extra transportation and food expenses. Total confirmed loss is $1,033.60. Trip Mate Insurance refused cover my loss because it arose due to flight overbooking. However there is no such exclusion in the insurance policy.

My husband, Michael, had failing health due to Parkinson's Disease and latterly cancer. His cancer had been under control (though horrendous side effects) for 2 years. After one of his regular scans the cancer was found to have slowly started growing again. Michael did not want further treatment/more side effects. On hearing this we booked a flight to California for a final trip to his childhood home and to meet his sister who had found through Facebook. They had completely lost touch and not seen nor heard from each other each other for 60 years. The trip was booked for myself, Michael and our daughter, Susannah. Susannah's trip was shorter than ours, due to work, and was booked through a different online company, CheapOair.

I had to cancel my trip to Dubai because I ruptured my Achilles tendon in a fall. I filled out the required forms, including the physicians statement, on January 30, 2017. I was informed that it would take three weeks to get my money back. I have called numerous times inquiring about my refund and I am consistently told that they are slightly behind. It has now been 10 weeks and I still do not have my money. I have had an opportunity to schedule two more trips and Trip Mate was recommended; however, I declined and will find another insurance company to do business with. I have informed my friends to do the same as well. The one star rating I gave them is being very generous. Thank you.

I wish I could give them no stars. Worst service I have ever received from a travel insurance company. They have not answered any emails and when I call I stay on hold for hours. They should have covered over $500 in costs and they sent a check for $40 and $12 after I told them not to sent the checks because I wanted to file a new claim. DO NOT GIVE THEM YOUR MONEY!

Worried about my camera gear I purchased insurance through Trip Mate... My car was broken into in Puerto Rico and lost a lot of gear... After a year and a half of lost reports and not to mention the 35 hoops I had to jump through, it was denied based off some random sub-paragraph that you can't read. Basically I spent all that time to try and recover nothing. The reason they denied the claim in the end? ARTICLES CANNOT BE LEFT UNATTENDED!!! Are you serious?!? Wow let me set up an insurance company asap. What BS.

Because it's required to rate with a star, I had to click 1... but in all honesty, this company does not deserve even a star after my experience. I bought this insurance when I booked my ticket with Cheapoair online. I was flying from SFO to LA to Chengdu. Because of the weather condition in SFO, the initial trip was delayed for more than 2 hours; causing me to miss my connecting flight to Chengdu. The plane companies involved were washing their hands saying that it's not their responsibility that I missed the flight and to put me in another flight. In short, I have to buy new tickets (LA-Chengdu; Chengdu-SFO), among others.

As an experienced traveler, I arrived in Lima Peru to begin an adventure and 6 hours into my trip, my purse was stolen at La Panka Restaurant during our group lunch with our Overseas Adventure Travel Guide and group of 12. Upon returning home, I submitted all insurance forms required and carefully listed additional expenses. My trip was interrupted for two days and I missed several activities with the group. Lots of red tape ensued. Had to apply for a new passport, etc. I mailed claim to Travel Mate via certified mail on Jan. 20, 2017. After calling every other day from Jan. 9 as I was to told claim evaluation took fifteen business days. After 30 days, I received a letter from Trip Mate stating that I would receive a lesser check for my passport and they needed a receipt for my purse, which I listed under items stolen.

I called to fill out travel claim form which their rep emailed me after completing to identifying info I gave her. The claim form said it had to be mailed & gave the address. I sent it certified on 1/25/17. On 2/9, I checked their website & there was no record of its receipt. The Post Office tracking said they had attempted delivery on 1/28 (a Sat), closed & it was delivered on 1/30. I called & spoke to a rep who searched & could find no record of it. She then gave me an email address. I said that's what I wanted to do to begin with. She asked if I had gotten the form by myself or via their phone rep. I said their rep & she said the rep should have given me the email address to file the claim. (IT should be on their forms.) I said I would scan it & email it & requested priority handling.

Purchased the insurance in February with our vacation package for a trip in July. We were out of the country and unfortunately my husband fell ill. Upon returning I submitted a claim form along with all necessary documents. After two months of the runaround I was told that I needed to submit my claim to my MEDICAL insurance company and submit the EOB back to Trip Mate. I have submitted the EOB and I am still waiting to hear back from Trip Mate. Do NOT waste your money on this insurance. They will not pay you!!

My son is in the military... all I want to do is visit him for his 19 birthday. The military changes his days off on a constantly. I paid for travel ins. so that when his days I can visit him changes I can make the changes accordingly for the flight. I am told this travel insurance is going to charge me $200 per ticket to equal $400 penalty for changing my ticket? What the hell kind of insurance is this. I can't believe I was stupid enough to pay for this and to use the low-class travel site. At this rate I will not even be able to afford to visit my son and will just sit home and pay for the damn tickets without the visit. This company and CheapOair has pissed off the wrong person. Plus I have numerous charges on my credit card that no one can explain!!!

I bought travel insurance to travel to South America. I purchased my airline tickets with Cheapoair. It was the first time of buying Insurance, and have No idea what of the kind of nightmare I was getting into it. Unfortunate I got so sick before my trip, went to the doctor few times and was on no shape to travel. I contacted Cheapoair and I was advised to contact Trip Mate.

We bought travel insurance for our trip to Patagonia (December 15 - January 16). It cost $1272. In Buenos Aries we were not allowed to board the LAN Airlines flight because they overbooked the flight even though we were over an hour early. LAN got us on a flight the next morning but we missed our tour departure and it cost $220 to hire a cab to join our group. Trip Mate denied the claim. They said there was no trip delay because the flight left on time. We didn't realize that OUR trip was not being insured, it was everyone else's trip. As long as everyone else left in time there was no delay. I understand an attorney figured that out. Hmm. We filed an appeal in November 2016 and it's February 2017 and no word. I will file with the state insurance commission and a small claim if they don't pay. This is ridiculous. Don't buy this insurance.

For an extended 4 week trip to Europe Trip Mate was/is the processor of claims for GLOBAL ALERT PREFERRED TRAVEL INSURANCE. Our trip ended September 28th and I sent in a two-part claim. The baggage claim for $125.00 was denied after many attempted follow-up contacts over two months. I do not dispute this determination. The medical claim ($225.00) with a visit to a foreign doctor and other medical necessities has as of this review date (Feb. 2, 2017) not yet had a response even after multiple attempts to contact TRIP MATE. I will never use "Global Alert" - "Trip Mate" for travel insurance. We all have more reputable companies available.

I purchased a ticket through CheapOAir (won't do this again. Their customer service is good but the hassle of using discount providers is not worth it). They upsold me on the travel insurance they provide (Trip Mate). I took the bait and got the upgraded policy. I then had the misfortune of getting sick and being advised not to travel. That's when I learned that they will only cover change fees (no fare difference) and only on a reimbursement basis. From their terrible ratings, I have no reason to believe I will ever see a penny from them. I blindly trusted CheapOAir and next time will do my research. I am trying to get reimbursed for the money I wasted on this worthless insurance.

So kudos to Trip Mate.

I purchased travel protection 01/12/16 and paid reservation in full 01/19/16. I had to cancel in Oct. due to having part of my colon removed. Hospital 8 days, in-house rehab 13 days and at home health care 2 weeks. I filled out numerous forms including doctors form and mailed all to Trip Mate and received a confirmation in Dec. that they were reviewing my file. I called them in Dec. and it was pending. I called today and it has taken most of the day with numerous hold times and then after contacting them losing connection. This is absolutely the worst travel protection claim I have ever had and would never use them again.

I spent hundreds upon hundreds of dollars covering everything humanly possible and when I provided them with all the reports, receipts, and even email exchanges from the US Consulate in Chennai explaining our trip interruption, damaged goods, hospital visits, etc. they took almost six months to get back to me then denied paying me a single cent for anything. I lost over five thousand dollars on that trip and they made the process so much worse than if I had never bought insurance. I had to jump through so many hoops just to have them tell me I qualified for absolutely nothing. They prey on folks and give you a false sense of security. Extremely dishonest company, please avoid. You're better off with no insurance than wasting your money and time with this company.

We purchased trip insurance for our trip to Jamaica. We left early because hurricane Matthew a category 4 was hit Jamaica the next day. Our insurance policy stated that we had hurricane coverage (trip interruption). We completed our paperwork the day after we got home. They couldn't even get our birthday right on the form. And it's very difficult to contact them by phone because no one answers all the time and you have to leave a message and wait over a day for a return phone call. We should be able to review the status of our claim online but that is a joke too. It took them over 2 months to deny our claim because our resort wasn't destroyed by the hurricane.

As a claims adjuster, I thought I had done my due diligence by checking recommendations on the insuremytrip website. Very good reviews. But meaningless, because most of the reviewers had never actually had to make a claim. I should have checked out this and other consumer website to get the true story. Like many others, I am waiting six weeks now and still no resolution. Their online claim status site is a joke. One line says our claim is denied and another says payment is forthcoming. Can't get a straight story on which one it is. Can never find out who is the actual claims handler, because I can't get connected to anyone past the telephone operator. Since I handle claims for a living, I know how to read a policy and confirm my coverage and I know how to provide complete documentation. That is irrelevant to these people; they simply are not in the business to pay claims.

Purchased TripMate thru CheapOAir and filed claim after baggage was lost and delayed. Contacted TripMate by phone 6 times after checking their website and not seeing any info regarding my claim after giving required info. After two months of calls and checking site I'm informed that my claim was denied. And this is after their agent told me I couldn't make a claim to the airlines as that would invalidate my TripMate claim. All documentation was emailed to TripMate as requested but still my claim was denied. I contacted my credit card company and I disputed their charge and was awarded the dispute. At least I got my money back. :) Thank you Citibank!

I agree. This company is the worst. The agreement was that I could cancel my trip and get reimbursed for up to 75% of what I paid, no questions asked. Yet, they denied my claim. What a scam. Don't use this company. I know I will never use them again.

A total rip-off. I will never purchase any tickets or use Trip Mate again. Had to cancel trip due to death of my fiance's mother but she didn't count as my family member. The worst company out there. Death is death. The Obituary and a written statement was provided. Did not meet the family definition!

I always buy Trip Insurance but have never had to use it until this past summer. Booked a trip to Greece and fell and was unable to travel. The claim was submitted mid August 2016 it is now 10/1816. I have had nothing but runarounds, no one can answer my questions asked for more documentation etc. BOTTOM LINE... They don't want to pay. I called and was told a check was "cut" 10/10/16 but unable to tell me when it would be mailed... "NOT IN THIS BATCH" to be mailed yet. It's up to accounting. Asked who could I talk to in accounting. Told that's not possible. They want your money but don't want to pay. Bottom line this is a claim filed three months ago, can't tell me when it will be mailed maybe by November but not a definite answer. What I need to do next? Go to the Media to get an answer? Do NOT USE THIS COMPANY... Very poor customer service.

Never ever buy insurance from AON! I had to reschedule my flight due to a strike call of the Canadian Post in August, which made it impossible to get my visa in time from the US Embassy. I paid for the insurance exactly for this reason, because I knew something can come up and I wanted to be covered. Now they rejected my claim because it's not a medical emergency or jury duty. Why don't they cover all reasonable cause that's not my fault? This is disgusting, a worst practice when it comes to insurance agencies. I'll never ever buy anything that has something to do with AON.

I have to agree with everyone else that this is one of the "WORST COMPANY" out there. Their primary goal is to fight you hard in order not to pay your legit claim. If you purchase trip protection coverage with this company, you are simply not only fooling yourself but also wasting your money in process. Too bad we all had to find out how bad these guys are when we have a claim.

This is absolutely the worst company in the world to deal with. Getting them to pay a legitimate claim on a trip insurance policy is pure torture. They service other companies for handling claims; the trick is to know whether your insurance company uses Trip Mate.

My daughter and I flew to Russia via Turkey, bought the Trip Mate. On the way back Turkish company did not let out us from Russia to Turkey, because there was a terrorist attack in Turkey. We were detained for 4 days, and then they sent us on another flight which was 7 hours longer, and which we paid for Luggage $300. In the Trip Mate after I claim some form they told us that nothing terrible happened and we are not going to receive any compensation.

A total rip off. Purchased this travel insurance through Sandals. "CANCEL AT ANY TIME". We had to cancel our trip and not only lost the $218 for the insurance, we have also lost $400.00. Seems as though the only way you get a full refund is if you or your travel companion die or are hospitalized and you get a doctor's note. We cancelled our trip 5 months before going away. Have jumped through all Trip Mate's hoops, sent all forms and have called numerous times, but still no refund coming our way. This has put a bad taste in our mouth as far as Sandals goes also. DO NOT PURCHASE THIS INSURANCE!!!

I bought a plane ticket for my Mother. She was flying from Pensacola Alabama to Los Angeles California on 5-23-2016. My Mother was unable to come due to her feet started swelling. I purchased this ticket for my Mother on 4-19-2016. My Mother was seen by her physician regarding her feet swelling after 5-23-2016 which is more than a month after I purchased the ticket. I contacted Trip Mate and advised I cancelled the trip and I was requesting a refund. Trip Mate sent me the necessary paperwork to complete and for my Mothers physician to complete. The paperwork was completed by Trip Mate denied the claim stating my Mother was seen by her physician prior to her flight.

I filed a claim that they received 7/28/16. It is 8/22/16 and I have no decision. I tried calling a few minutes ago and never got through. I checked my claim status online and that's useless. For the amount we pay we should expect better service. I will NEVER buy their insurance again.

On January 2016 I buy a trip to Sandals Resort in Jamaica and I Buy the Trip Mate insurance. In March 13 My husband's mother was hospitalized with a pancreatis and we was supposed to travel on March 18 so we have to suspend the trip. When I call Trip Mate they told me that that's a value reason so they send me all the papers to fill for my mother in law doctor. I send all the papers and every evidence from the hospital. I send all the evidence of payment to sandals - the money orders to the credit card and the cancellation of the trip and on April I receive the two checks for the total that I pay to Sandals $5,670.00. Then we Booked again the trip on July 2016 with that money. There was a wonderful vacation. Thank you Trip Mate.

I was not able to board the flight to Mexico because of a stolen or lost passport. I sent all the documentation that Trip Mate asked for which was a lot. On their website it says claims take 7 days. When I contacted them I was told claims take 21 working days. I call on day 21 and was told this was only a target not set in stone. 10 days later I receive notification my claim was denied. I took this company to small claims court. The first offer was a joke not even 10%. I told them I would let the judge decide. 3 days later the offer was upped to about 95% of my ticket cost. THE ONLY WAY TO GET THIS COMPANY TO PAY IN MY OPINION IS TO TAKE THEM TO SMALL CLAIMS COURT. Good luck.

My mother and aunt recently purchased trip insurance from Trip Mate as peace of mind in case they needed to alter their trip to Germany to visit my grandmother who is in very poor health. My aunt has had an issue with her arm and leg for years now (sometimes goes numb). She had seen a doctor for this, but the doctor finally decided it was something they needed to look into further, so he ordered an mri. The mri was done the day after the tickets were purchased. The mri revealed that she had a cervical spondylosis with myelopathy. He advised her against any kind of travel. In fact, he said if she hit her body just right, she could be paralyzed for life. So the trip was cancelled, and my aunt went under the knife. The surgery was successful, and she is now able to travel safely. During the entire process, Trip Mate was made aware of the situation, and a claim was filed.

We purchased travel insurance for cancellation ticket refund through CheapAir.com & Booking.com who serve as third party vendor to AMERICAN Airlines. The claim form is 9 pages long & required lot of documentation. We completed the form & it was received by Trip Mate on June 13th, and we were told it took 10 business days to process. Now it's almost 6 wks since they received the completed form and no day in sight to when it will be processed!!! Why would American Airlines allow a third party vendor to sell insurance to their customers when they do not honor their obligations??? THEIR LICENSE TO DO BUSINESS SHOULD be terminated!!

We booked business class airfare and an AmaWaterways cruise through AAA. We filed a claim with Trip Mate at the end of April 2016 to recover our airfare cost. Trip Mate lies when it says it will resolve your claim in two weeks. It has been over two months with no word on our claim. Our insurance was to be able to receive full recovery for cancellation for any reason. Why would AAA sell this type of trip insurance to its customers and then do very little to help their customers recover their trip costs??? We have been AAA customers for over 40 years and this is how they treat you. I'm not sure I can stomach being a member any longer!!!

I booked a trip with OAT and purchased insurance for $599, which was recommended by the agent at OAT. I had given a $35 deposit on the trip. I had to cancel the trip for personal reasons. OAT refunded $50 but said I needed to put in a claim with Trip Mate. Trip Mate denied my claim as it did not meet any of their (far-fetched) guidelines. When I originally took the insurance, I was told my deposit would be refunded for ANY reason. I realize I am out the $599 (which I realize was foolish on my part to insure only $350) but find it difficult to believe I cannot get back my deposit.

Trip Mate was slow and painful to work with. They did not issue a refund and denied a claim made due to Zika Virus. I had to cancel a trip to a CDC identified Zika country as per doctor's orders because of pregnancy. UNBELIEVABLE that they can find a way to deny this claim. I sent them ALL of the paperwork and information, and they required A LOT. Then I waited the fifteen days that they say they need every minute of in order to review the documents. Then I called again and they had the nerve to tell me they never got it. UNREAL. Back to square one with these crooks.

This business is a scam and a joke. Unfortunately my husband and I fell for it and purchased this for our trip overseas. We had a legitimate reason for canceling our trip due to a terror threat and they didn't honor their policy. They make you fill out all this bogus paperwork to file your cancel and it's a joke. WASTE OF MONEY. They do not work with you at all. They just take your money. Pay for Trip Mate, try to use it and you will find out for yourself. You will be stuck. I am so angry with Trip Mate. They SUCK.

Trip Mate Insurance should be put out of business. I was advised by my travel agent to purchase this "peace of mind" plan. It cost $700 /person and HAD to be purchased shortly after booking. We had to cancel our trip due to unexpected financial problems which led to severe depression. Our claim was denied. No mental health issues are accepted. I even spoke to an attorney who said we don't have a case. Buyer beware... Steer clear of this business.

canceled in Feb 2016. Now Trip Mate refuses to give back our deposit. Really Rotten. They should be glad we canceled. If we had to return because of an "event" they would have had to spend more.

$218 for trip insurance was a total rip off. I had to cancel a Sandals+airfare reservation for a medical reason and not only did I not get my money back, they said they were keeping the airline portion of the refund. KEEPING IT. So they made money on the trip insurance but also were keeping the airline REFUND??? I would definitely never use this company. They are hooked up with Sandals so shop around. There are many on the internet.

Do NOT use this trip insurance company. Trip Mate states on their website "Claims will be finalized in 5 working days after receiving all information". This is a blatant lie. The have had our claim forms for 21 working days. We purchased his insurance through OAT (Overseas Adventure Travel). Shame on OAT for promoting this company. Someone has had our $4,000 illegally for three plus weeks. Our claim is perfect. Shortly after Trip Mate received our forms we called and were told that all was in order and our claim was being processed. We have not heard a word from them since this call. There is no helpful information on their website about the status of our claim.

Airfare reimbursement after trip cancellation - I had to cancel my trip on medical condition. Trip Mate Insurance is a fraud company. For several month they are pulling my legs asking for additional information in order to complete review of the claim. I've provided tons of paper without any results. I advise people to stay away from this insurance company.

I flew to Ohio to check on my father, who told me on the telephone that he was having a stroke. I bought travel insurance with Trip Mate because I feared that my father's condition would keep me in Ohio longer than I planned. As I feared, I found him down. He went into the hospital and then to hospice where he died. In spite of the fact that Trip Mate lists interruption of travel due to the death of a family member as an eligible circumstance for payment, they are refusing to pay. Here is their stated reason: "once one leg of a round-trip airline ticket has been used, the unused return portion of that ticket has no value. Therefore, there is no benefit payable under the plan for the unused return flight." Does that sound fair to you?

I paid for a cruise to several ports to include Paris. I put down the down payment, plus insurance to start roughly around $800. The insurance policy stated that you could "cancel for any reason". It just so happens that I was unable to go and had to cancel thinking it was ok since I had insurance. I corresponded with Trip Mate on several occasions only to be told to fill out documents from my mom's primary care doctor as she ended up in the hospital and I was her sole caretaker. This was done and submitted only to receive vouchers. I explained that I wanted my money back but have been waiting since November of 2014. Do not plan or schedule any trip with these people, as you can tell it's not worth it.

I booked a trip to New Zealand and cancelled because of emergency hernia surgery. I submitted all of their paperwork in January. They wouldn't communicate with me other than through some cryptic messages on their website in the claim status log. They supposedly needed to verify that I had not received a refund from the Travel Supplier. This verification process took 4 months. They could have asked the Travel Supplier and received a response in 4 minutes!! To my surprise, I actually did receive a check from Trip Mate approximately 4 months after my surgery. They are not a Total Scam... But you may wake up a few times at 3 a.m. wondering if you'll ever see a penny from Trip Mate. Don't give up - you may get lucky.

Wife and I just booked a land tour with one of the tour companies that uses Trip Mate as their travel insurance provider. Due to all the negative comments read at this website, we have decided to use another insurance company or just take the chance that nothing happens. I understand now how difficult it would be to get a claim paid from Trip Mate, or probably any other third party travel insurance company for that matter. I also see that there are 127 registered complaints with the BBB in Kansas City over the past three years and that is just from those who took the time to file a complaint. Thanks again for the heads-up!

Useless, worthless, waste of money... What other words can I use to describe Trip Mate. Purchased insurance for a trip to South Africa. 5 people. Cost was around $1000/person. ($5000). Trip was delayed (flight problems) by 1 day. Missed 1st day of animal viewing. Our luggage was delayed for 5 days. After filling out 15 pages of forms we got $91 back. That's a total of $91. They came up with every excuse in the books. Read contract carefully. If it's not SPECIFICALLY stated in the contract they will find a way not to pay for it. I CANNOT STRESS ENOUGH... WORTHLESS!!! Wish there were negative stars I could give Trip Mate.

On 10/14/15 we purchased round trip tickets to go to FL keys leaving on 1/20/16 on 11/25/15 my husband was put in the hospital for 17 days. He was in no shape to travel for quite some time after he got out. We were hoping to go if the doctor gave him the OK but that did not happen. He had home care 3 days a week & phys. therapy every second day till just about 1 month ago. On 02/22/16 we put our claim in to Trip Mate. They denied the claim stating it was a pre existing condition. If people in this world were all in great health there would no need for ins. and company's like trip mate would be out of business. They should have their licenses revoked. I would not recommend or use any comp. that sells TRIP MATE INS.

I had my first claim with these guys after buying their insurance for years. My wife developed serious pneumonia and we had to cancel. I provided them all info, Dr statement, everything. Keep getting the runaround. I was told it would be adjudicated in 15 Business days. At day 23 I was told it was expedited and I would get a call in two days. No call. I called next day and am being put on hold and then passed around and put on hold again. I think this place is running a scam. DO NOT BUY FROM THESE PEOPLE.

I purchased an airline ticket with the insurance. I had to cancel my trip due to my father's passing away. I contacted Trip Mate, they answered all my questions and I submitted all the information required. They were very helpful and I got my refund. I was not sure about buying an insurance before, but now experiencing the benefit surely I will recommend it. Thank you! Trip Mate.

Trip Mate Insurance only covered 1/3 of the cost of our trip in the form of vouchers despite the "Cancel for any reason" claim they make. I'm pregnant and was unable to travel to the Caribbean due to the CDC's warning (and my doctor's restrictions) surrounding the Zika virus. DO NOT USE THIS SERVICE. It's a complete rip off.

I cancelled my daughter's school trip to Paris due to the unfortunate events of the November 2015 Paris attack. I received a denial letter because the attack did not occur within 30 days of departure date. I appealed through the Attorney General's office and was denied. I will be filing suit against Tripmate. Do not recommend using this company, buyer beware!

We were planning on going to Greece in August 2015 and we had to cancel one week before, due to a medical emergency in our immediate family. This is THE most disorganized, inefficient company I have ever dealt with. It is now 12/12/15 and I am still battling with Trip Mate to get our airfare reimbursed, and this is after I've already filed an appeal. I was just told that I could refile my appeal which is absurd. I googled Trip Mate and left a message for the President, Brad Finkle.

I booked a flight with CheapOAir traveling to Albuquerque, New Mexico to visit my two first cousins. I booked the flight September 20, 2015. I paid extra for the Tripmate Insurance because I am disabled and my cousins were ill as well. I planned to travel 11/24/15-12/2/15. Well on October 29, 2015, one of my cousins that I planned to visit died. While my family and I were grieving her sister, the other cousin I was coming to see also died, 11/10/15, leaving me with no one to visit. So I called Tripmate to inquire if I could get my money back for the flight ticket. They advised me that it would be covered under the insurance I purchased through Tripmate when I purchased the ticket.

I purchased airline ticket from CheapOair in Aug 2015 for a travel date of Nov 6th, 2015 and it was for my mother who lives in Africa, as she was supposed to join me in the U.S. Unfortunately, she changed her mind because she does not want to come in the winter time. I purchased insurance at the time in the event that anything happens such her refusal to come at this time. Now I am asking TRIP MATE for a reimbursement. They have unequivocally denied my claim because it's not a medical or emergency situation. I can't afford to lose $1,300 at this time just like that. "HELP."

My husband and I had to cancel our trip for medical reasons. We submitted all the paper work (3 times) and has been more than 2 months and we had not received any confirmation for our payment. Twice we had submitted medical reports from the hospital and a full package from the medical oncologist. Still no answer. Today, I called and got a recorder asking me to leave my phone number. I WILL NEVER USED THIS COMPANY IN THE FUTURE.

One of our travelers suffered a major illness while traveling overseas and was hospitalized. Trip Mate did a good job securing us new flights home. However, they have not taken care of the additional hotel and travel costs that we incurred due to our situation. I have left many, many messages and no one will call back. When I do reach someone on the phone, they do not have any update on the status. My feeling is that Trip Mate is making this so difficult in the hopes that we will just go away. I would never buy insurance that is serviced through Trip Mate again.

I bought plane tickets insuring with Tripmate on 9/11/15. On 9/15/15, I was diagnosed with cancer and had to schedule emergency surgery on 10/05/15 that required 6 weeks convalescence. I contacted Trip Mate within 24 hours of finding out to start the process of canceling our trip. Our trip was scheduled for the end of November.

Not mentioning one of the longest wait times ever to get a response, TripMate is by far the worst travel insurance company when it comes to military accommodations. Their provision is to process claims for revoked leaves. Although my situation was not for a revoked leave it was for a more serious action which was for amended orders. They seriously asked me to get a letter from my Commanding Officer regarding the change when the orders specifically state the official, BY ORDER OF THE SECRETARY OF THE AIR FORCE. How much more do you need? Then they required that I provide proof that the amendment was for a cause of war. Last I remember, we have been at war for the past decade, and more recently with military intervention with ISIS. This is a silly company with flawed policies and don't EVER use them if you're a military member.

Myself Darlene **, Sally** and Thomas ** were to leave at 12:50 for Las Vegas, Oct 31, with a return trip on Nov. 11 to have Sally put into a rest home for Alzheimer’s patients. We had to cancel due to illness. Please reimburse us $1,173.00. Also the home lied to us and after we were to be there by raising the price another $1,600.00. For a total of $3,200.00 instead of $1,500.00. We are all on a fixed income and need the money.

Stay away from Tripmate, they are running a scam. They pay a very small percentage of claims. They will make filing a claim so difficult or impossible, with all the forms they require, and then they will lose your info, and forget to tell you about it. You can call them back and be put on hold forever. Save your money, do not do business with this company.

Due to a medical problem with my wife we had to leave a Vantage tour. We filed with Trip Mate, and within a month and 1/2, they paid even more than we claimed. This included airfare (to rejoin tour), hotel rooms and meals and medical expenses. I neglected to file for the reimbursement for the 2 days of the tour we missed, but they paid that also. We were surprised and pleased.

I lost personal belongings and delayed baggage. After completing all the paperwork, the claims administration arbitrarily either refused or outrightly declined to reimburse me for the items that were even in their own underwritten, covered. I don't what and how to describe it but this is little short of scam. There was no explanation as to their criteria for determining the value of my treasured personal belongings. Am really upset about it. When my most treasured/prized native dress that I made and used specifically for a presidential inaugural event, which is the most prized of all the items, someone spuriously depreciated it by the same value. How nice and convenient for the assessment department to evade responsibility. No thanks.