Trip Mate Insurance Reviews

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.

My husband & I went on a Viking River cruise in July. We purchased a $1200 Trip Mate Insurance policy that was supposed to be "for any reason whatsoever". Our 1st flight was delayed and we missed our connection to Zurich. We arrived 10 hours late and had no luggage for another 24 hours. We missed the entire 1st day of the trip - and could not go to dinner since we didn't have a change of clothes. Trip Mate has had all of our paperwork since July and are giving us the runaround. We lost a whole day - that has to be worth something. But, Trip Mate keeps asking for more documentation and say they will expedite the claim. It's October and we still have not received anything - we're contacting the Better Business Bureau.

Warning: Do not buy an TRAVEL INSURANCE policy from TRIP MATE if you want them to reimburse you if you make a claim. I have been trying to get this company to pay out a claim for stolen baggage for almost 6 months. I have provided my passport, police report that was done with a translator (at my cost of course), my hotel receipts, receipts for lost items, credit card statements, my permanent residency status, car registration, driver's license, receipts. Offered to meet them for the past two weeks for a personal visit where I am staying in Mexico (they couldn't get someone to see me in all that time).

I am handicap... I took a flight from Pittsburgh to Dallas. I took an insurance policy out, which was offered to me through the booking on my flight. When I landed in Dallas I was wheelchair from where I landed to my next flight which was to go to Abilene. They said that flight was boarded and ready to take off. I was put on standby for 6 hours. I was in total pain. I filed a claim and was denied. I believe that this insurance is a ripoff. Just another way to get your money.

I wish I could rate less than 1 star! Trip was with Smart Tours to S. Africa with my wife and grandson - a graduation gift for graduating University. A week before the trip my wife was diagnosed with cancer and had to start treatment immediately. I filed a claim. Whenever you call Trip Mate there is a long wait on the phone. Half an hour or an hour is not unusual. By this time you are very upset - I cannot imagine working there!!! EVERY TIME I was told the claim is in the final stages. It was not of course. The claim was for the trip and was over $11,000.

My husband and I bought travel insurance from Trip Mate November 2014. We were to travel to Europe in May. My husband needed emergency open heart surgery so we cancelled May 2015. The doctor sent all forms needed as we did for the flights and land trip. We are now in Oct. and no check. We call, we check online and all they have done is drag their feet. If it is not paid by Nov. 2015 we will file a complaint with the Better Business Bureau.

Went on a trip with my son's school for 10 days March 31 to April 10, 2015. Went the entire trip without our luggage because it was lost. Luggage was finally returned to us on the 13th of April. Filed a claim with Trip Mate on 4/22/2015. Come June they requested more information. Within 48 hours I sent them the information requested and never heard a thing. Would call to find out status and would get it has been sent to the claims department for final review. Finally after 5 months they say it is only worth $200 ($100 a piece) for going without my luggage the entire trip. They are extremely slow and don't have any customer service that can tell you anything and you can't talk to the claims people.

I would never again use Trip Mate travel insurance. On August 3rd of this year, we had to cancel our Viking River cruise due to my husband's hospitalization. We immediately completed all of their required forms and documentation - getting physician statements, dates, etc. - anything they asked for. That was sent to them within a week of our cancelation. Today is September 23rd and we are STILL waiting for our refund! I have called numerous times and just get the runaround. The claim online shows that final payment was printed on 9/11 and their answer today was that they only mail checks out on "certain days". They hold a lot of checks and send at the same time. What's up with that? Now I'm supposed to wait and if I don't receive my check within 30 more days to call back and they will reissue the check. I am SO frustrated. Shame on Viking for using this company! Never again.

Do NOT, I say again, DO NOT use Trip Mate as your travel Insurance company!! They will ruin your trip. They look for EVERY loophole to get out of paying. We had a suitcase that was damaged on our trip by TSA. There was a hole in the corner of the suitcase. Clothes fell out, we lost valuable possessions. We didn't realize it until we got home and started unpacking the next day. We assessed our situation, figured out what happened and contacted Trip Mate. Lost and damaged property is covered in our policy however, Trip Mate began asking for all kinds of documentation, receipts for clothes and the suitcase, when the stuff was bought, where it was lost, did we contact the airline and to provide them with this documentation.

Due to a medical issue, I had to cancel my trip. All necessary forms were sent to Trip Mate. All they have done is prolong paying me. I finally received the land portion after three months and am still waiting for the air portion. They are horrendous to deal with. Shame on Overseas Adventures for using them in conjunction with their trips.

My first experience with them was when I had insurance on a Bahamas flight with JetBlue in February of 2013. My house was severely damaged due to a nor'easters and we had to deal with moving out, gas companies, electric, etc. and flood insurance so we cancelled our trip to the Bahamas which was scheduled a few days later. When making a claim with Trip Mate, they told us that the weather for the day of the storm that damaged my home had been predicted so they therefore denied reimbursing us for the cancelled vacation flight. I guess we are supposed to plan on home losses now, according to Trip Mate.

I purchase a flight to London for a summer abroad program for my son who attends one of the United States military academies. I purchased insurance, assuming it would cover the cost of the flight if my son was unable to go since there was no explanation of coverage anywhere. My son had a change in orders and was not able to travel at the scheduled time so I called to cancel. Student Universe was going to give me a voucher to be used within a year after I paid and exorbitant penalty and I inform them I had insurance. They gave me a number to call. The person from Trip Mate told me change in orders was covered and to fill out a form and send it along with an explanation letter from his CO.

I filed a request for a trip refund for health reasons on June 10, 2015. The trip was with Grand Circle, purchased Aug 8/28/14. In October of 2014 I was diagnosed with a health condition that prevented my taking the trip. Trip Mate has still not paid my claim even though they say on their website that its final payment was "entered" on August 6 and final payment was "printed" on August 13, 2015. It has taken two calls on my behalf from Grand Circle to get any action out of them and I still don't have a check. Their phone is always busy. I was on hold for 30 minutes several times. They said to leave a message and they would phone back but they never did.

My fiancé at the time & I decided to book a trip to Maui Hawaii in February for our honeymoon in April 2015. Our travel agent made all the arrangements and then asked us if we wanted to purchase travel insurance for the trip. At first we immediately said no but then changed our minds while still in the purchasing stage, deciding that it wasn't too much more money and reasoning that you never know what can happen. We are so glad that we did since my new husband got really ill a day after arriving on Maui and had to be ambulance the next day to the nearest hospital for IV fluids and tests. The ambulance alone cost us almost $1,000 after his company insurance paid their portion, and tests and such cost us another almost $150.

Great outcome. Took a little under two months from them to process my claim but they kept me informed the entire time (you can track the process online). You need to make sure you provide all of the required documentation. It can take some time but is easier in the end. They accepted my claim, no questions asked, and refunded exactly what I asked for. Will use them again!

In June of this year I was afforded the opportunity of a lifetime... to spend my 65th Birthday on June 8th in Rio Brazil. Subsequently I was able to get a week off from my job & fund my trip. I have always bought Travel Insurance in the past... & this time was no exception, although I had never previously filed a claim. Trip Mate was the Insurance offered by CheapOair. Unfortunately the flight from Los Angeles to Miami was cancelled & eventually I was rerouted thru New York but had to wait another entire day to resume my trip to Rio.

Wanted to take a short vacation to get some stress relief. Went onto Travelocity and made travel plans. (April 2015) The travel plans were not scheduled until June 2015. Purchase the travelers insurance just in case the unexpected happened. Well it did, my employer informed me in early May that I would be working at the time I had the trip scheduled. I immediately called Travelocity to cancel trip. Travelocity handled cancelation promptly. They instructed me to contact Trip Mate. After contacting them and receiving the necessary paperwork to be completed. They so IMPOLITELY called and with this obviously rehearsed statement, tell me they cannot refund my monies. Again I made this cancelation nearly 60 days prior to scheduled travel. I advise, recommend or simply say to anyone. Do NOT acquire travelers insurance through this company. It is a complete rip off!

I purchased travel insurance because the airline I chose did not offer any refund or change policy. A few days prior to my flight to France I went into the hospital with what appeared to be a heart attack (it was not fortunately). I was released from the hospital the morning of the day I was to fly with the caution from the hospital that flying was not a good idea for 5 days. (I had had an angiogram and there was risk of bleeding from the artery that had been used to insert a catheter into my heart).

I purchased the ticket to from US to China (~$800) on Student Universe. I have been using SU to buy flight tickets all the time, and almost every time I purchased they default Trip Mate insurance along with the ticket. I also purchased Trip Mate this time. It seemed a good deal because the insurance, which cost $ 49.95, could cover my cancellation fee of $200. Unfortunately I had to change the flight date after two weeks from purchase. I called Student Universe first, they said they had to charge me with $200 if I cancel the flight, and asked me to file a claim with Trip Mate to cover the cancellation fee. I called Trip Mate and they told me VERY CLEARLY THAT THEY COULD COVER MY CANCELLATION FEE, and asked me to fill out a form and send it back to them.

American Express referred me to these guys to purchase travel insurance for approx $399 for an upcoming trip to Europe. I was ready to pull the trigger but on a whim decided to check them out and saw all these complaints. In the past I have been burned by one of these scam companies that have no qualms with taking your hard earned money and then promptly abandoning you when you need their assistance.

While traveling in India and Nepal last Feb. our flight from Kathmandu back to Delhi was cancelled. Both our concierge and travel guide had confirmed our flight. We were forced to buy a ticket on another airline and since have been trying to get this ticket reimbursed by our trip insurance. I have provided documentation, receipts, etc. and they claim our flight was just rescheduled. The only flight on the same airline was the next day, which would mean missing all our connecting flights. This is crazy and frustrating!!!

We bought an insurance from TravelSafe Insurance for a travel to New Zealand. While there, we had an accident with our rental car and paid for the repair of the car about two thousand dollars. We immediately opened a claim with TravelSafe. After returning to US we obtained all the paperwork both from TravelSafe and the rental company, filled it, and send to Trip Mate, which appears to be just a TravelSafe claim department. They acknowledge receiving the full paperwork on 05/20/2015. By the contract, they have 10 business days to process a claim.

My family planned a tripped to Europe for August 2015 and the six of us each purchased Trip Mate travel insurance within 10 days of booking. Purchasing the insurance at this time guaranteed pre-existing conditions were covered. Unfortunately we had to cancel the trip due to a pre-existing back condition I have. Trip Mate declined the claim because I had the condition prior to booking. Makes no sense and they are unwilling to listen. Even went through the appeal process and they still declined the claim. Highway robbery and I will be contacting the insurance commissioner and the BBB.

I book my tickets through CheapOair.com on May 10, 2015 to Detroit MI. My husband was just released from the Hospital after major illness which left him with blood clot in left leg and several wounds to maintain. At the time of release I was not informed that he should not travel by air due to this condition. I was informed about this after speaking with his doctors after May 10, 2015.

I am planning to study abroad in Ghana in the fall. I bought my ticket through student universe and was offered insurance in case I would need to cancel or change my trip, or if the airport lost my bags. It seemed like a great idea so I paid the extra $50. I found out three weeks after buying the ticket that my housing situation had changed by one week, and going to a country I've never been to, I just wanted to change my flight by a week. I called student universe and they informed me that I would have to pay all these huge and expensive fees, but that my insurance should reimburse me, so I called to fill out a claim.

We bought insurance on a trip from US to Europe (Sacramento - San Francisco - Frankfurt-Rome flight). Our Sacramento to San Francisco flight got cancelled due to ATC/Weather related (per email from United Airlines) and we decided to drive 3 hours to San Francisco to get on the connecting flight - to catch our remaining flights. We drove our own car. Myself, wife and a 5 year old got to SFO and parked in their parking and made it within 15 minutes of plane leaving. On the way back, leaving from Rome - we found that United cancelled our flight back home all together, because on their system if someone missed a connection, it assumes passengers did not make it (weird but true).

On a dream trip to Ireland in July 2014, two things went wrong. Bad weather caused a missed connection in New York, which caused me to arrive at noon on Day 3 of the tour. The group had left for the day and I could not meet up with them until that evening. The TripMate trap reimbursed only for one missed day and refused to reimburse for meals, as I had only the credit card statement identifying the restaurants in NY and one meal in Galway, Ireland. On tour Day 12, a large dog knocked me over reinjuring the area of a spinal fusion. I spent 40 hours at St. Luke Hospital in Kilkenny, because there was no radiologist working on the weekend. I discovered that TripMate does NOT accept collect calls placed by international operators, and in fact blocks its number from being called by an operator. I had no cell phone and a physician used his phone to call TripMate. No one from the ill-fate TripMate would call me.

Our flight in January 27, 2015 but the flight was cancel due to a bad weather, so we could not get a flight until January 29, 2015. The connection flight in Narita Airport was interrupt. I could not flight in January 30 but flight in January 31, 2015. On return trip February 18 from SGN to HKN (Hong Kong) then HKN to EWR (Newark, NJ) in Feb 18.

Accident happened on 2/27/14 in Belize on a Royal Caribbean Cruise. After numerous phone calls/letters, requesting additional bits of information each time, Trip mate refused to honor their policy in April 2015; over a year later. One would have thought any reputable/ethical company would have resolved this issue in a much more timely fashion; especially if they had no intention of abiding by their Insurance Policy. Buyer Beware; Don't pay Trip mate for Insurance Coverage. The Company has no intention of Honoring it. Use your own insurance and pay the rest out of pocket.

I was diagnosed with cancer while on a trip and had to return early. I purchased a ticket one way to get home in order to start treatment. They denied the claim. They have completely failed in their purpose for existence. Furthermore, it was for a one way airfare only and no reimbursement for any of the rest of the remaining trip that was lost. Their lack of integrity, understanding, and misrepresentation is blatantly negligent.

My husband and I purchased very expensive trip insurance through OAT, which has Trip Mate insurance available for customers booking OAT trips. We both got sick and missed a lot of meals as well as a lot of day trips/adventures, some of which were very expensive (ex. a rain forest canopy tour that we both had to miss cost another traveler not with our group, but wanting to go with our group $300).

Unfortunately, I did not do my research on this company when I booked a trip from TRAVELIVE and they offered travel insurance from TRIP MATE, so I hope this help someone. I took the insurance since I was four months pregnant and figured while in another country or if any emergency comes up I am covered..I WAS NEVER TOLD BY THE TRAVEL AGENCY TRAVELIVE agent ** that taking the insurance after the 20 day cut off from the 1st payment allow TRIP MATE to deny a claim as pre existing.

We planned a once in a lifetime trip with Viking from Paris to Prague. We bought fares for two nephews and their wives. They weren't able to afford the trip so we wanted to enjoy it with them. One nephew's wife's company changed owners and she was told that she had to be there at the time we were to travel (she had been promised that she could take off for the trip). We canceled their trip and Viking refunded the part that was in their contract according to the date we cancelled. Trip Mate finally after many weeks of emails and phone calls, sent the nephew and his wife travel vouchers for about a third of the cost of the trip. They would have to travel within a year and the vouchers were "non-refundable and non-transferable."

Took my grand-daughter to England after graduation on July 31, 2014. We received a phone call that our daughter had passed away on August 1. Had to make arrangements for our flights home. Had to pay out of pocket for myself, my wife and granddaughter to get home. Our flight bill and loss of hotel nights have not been reimbursed by TripMate insurance. After filing the claim in September of 2014, we have yet to be reimbursed. After receiving 2 notifications that they received our claim and after numerous calls, now they say that they can't find our claim.

Viking Cruises sold us a very expensive travel insurance policy ($919.00) for a trip that was scheduled for June 2016. They demanded payment in full for the travel insurance and a deposit for the trip. Then, Viking Cruises asked for full payment for a trip that was 18 months away (not the standard 90 days prior to travel). I objected to paying in full for a trip that was scheduled for June 2016 . So, we canceled the trip. The deposit for the trip was refunded less $100.00 and we were advised to file a claim with Trip Mate for the travel insurance. Then I lost my job!