Trip Mate Insurance Agency Inc

We read the awful reviews about Trip Mate after we bought the coverage and had to file a claim. The only problem we encountered was getting someone at the office to take our original phone call. Told they would return call next day but never did. That’s when we decided to hand deliver the documents. We live in Kansas City, so hand delivered our claims material to their office, handing it to a pleasant receptionist who found a manager to give us a signed receipt that they had received our claim. A week later we received a postcard stating our claim was under review. Two weeks later we received a full refund of several thousand dollars.

Initially I was very disappointed with these guys but after making a complaint to the BBB. The claims manager called me and got me the reimbursement a cancellation fee I was charged when my mom passed away back in February.

Don’t even think about getting travel insurance through this scam of a company. We paid over $ 200.00 per person for our family of 4 to travel to Europe through Globus. So that is a total of $ 800.00. Our daughter got her purse stolen in Italy which had her money, her IPOD, her cell phone, her passport, etc.
When we got back, we went through all of the hoops to get some money from this sham of a company. After 3 months, we got back $ 50.00. Their explanation: We do not cover cell phones, IPODs, etc. Our paltry amount was for the purse and $ 20.00 towards the Passport. What is the purpose of insurance if you are not going to pay for what was stolen? Go elsewhere like Travel Guard.

We had to cancel a $ 6K+ trip at the very last minute due to complications from a car wreck. We sent in the police report, the Dr. notes and everything else that was required. While the process took months, we have our full refund in hand as of today. As a note, don’t expect any additional meaningful information from the telephone Reps that you can’t get from the online status updates. Really, when I called, they just ran down the list of events in the claim process that was readily available on the claim status page. The Reps were very kind and professional on the phone during every call. Interesting end note… we were send two checks with the half of the loss for each of us.

My car window was broken into in Costa Rica– my backpack stolen with various electronics, cash and my passport. I had pictures of the break in, a police report, documented receipts, invoices, etc. After two months of getting the run around, they told me items that were left in a vehicle are not covered, not even the replacement of my passport or the time wasted to replace it up in San Jose, in addition to sitting for hours in a police station filling out a report. Because I couldn’t «document» more than 6 hours spent on a delay. FYI if your stuff is stolen tell them it was at knife point, these people find every reason to NOT pay out on these policies and I’m spreading the word.

We had a pretty bad experience. I have all the letters from the doctor when my wife went to India to see her ailing mother. Had to cancel the return trip since doctors indicated further deterioration. Trimmate denied. Today I sent a letter threatening to fill the social media with comments and going to report to the Insurance Commissioner in the state of Missouri.
M. Henderson /​Wes is the name on the letter. Post the persons name so it shows in google seach. This company is a fraud and has to be prosecuted
Please go here submit your complaints online.
File to the following agencies:
Missouri Attorney generals office
File with your state attorney general

Misleading policy and customer service is very rude.

NEVER EVER EVER WASTE MONEY ON THIS INSURANCE POLICY!!!
We just lost $ 4000 on our vacation despite the fact that the CDC and my physician restricted my travel (at 6 mo pregnant) to the Caribbean. Please save yourself the tears and stress. It’s not worth it. Use a different company that actually honors their «cancel for any reason» clause.

Prefer NO STAR RATING!!! Trip Mate is the claims processor for World Nomads and seems to have so many ways to cheat! It’s hard to know if the insurance company is the cheater or if Trip Mate gets bonus money for denying more claims. The claims submittal process is complicated and was followed by requests for information that had nothing to do with my claim. This seemed to be a delaying tactic. The wait time from submission to hearing that the claim was denied was over 2 months. I called and emailed multiple times for status updates and was told on the last call that everyone was very overworked at Trip Mate so I should be patient. The claim was denied due to Trip Mate claiming that my flight in a foreign country really wasn’t cancelled even though the airline was on strike and not flying. (Trip Mate refused to provide any written evidence on how they claimed to know the flight was not cancelled.) I have contacted the airline to get proof in writing that the flight was indeed cancelled and will have to submit an appeal. Not an honorable company — avoid using!!!

The worst money ever on trip insurance… I had a back injury and right before my trip I fell and it got worse… I couldn’t travel and had to go for an emergency surgery… Lol the trip mate insurance said that because I had an injury before when I book the trip they would not honor there insurance… This company is a scam and I wouldn’t recommend to anyone to get insurance from them… Thanks trip mate for wasting my time and money…

Trip Mate Insurance is absolutely terrible. I can not recommend highly enough to anyone purchasing travelers insurance to NOT use Trip Mate. I would put zero stars if I could.

I had to cancel a 9K+ vacation to Southeast Asia for medical reasons. From other reviews, I was skeptical that TripMate would reimburse me — or, if they did, it would take a lot of effort and months of waiting. I was careful to submit all required documentation, including a doctor’s letter and medical information, and received full payment for the trip (less the cost of insurance) within two weeks of submission.
I know this is not the majority opinion of reviewers; however, we were satisfied with the service we received from TripMate.

Never use this company. I had to cancel a booked trip with Overseas Adventure Travel because of an accident. They recommended Trip Mate for travel insurance. Everything about this company is bad.
1. The policy that they issued does not include reimbursement for the cost of the insurance. Other company policies do this.
2. Even though I submitted paper work 3 months ago, I still don’t have my trip money back. After numerous calls to customer service I was told that the check was in the mail, but 2 weeks later I still have not received it.
3. Poor customer service. I asked the last customer service person to give me the name of the company president and she would not. I also asked her to put a supervisor on the phone and she would not. I had to argue with her and she put me on hold 3 times. Finally, a supervisor came on.
I am shocked that OAT continues to use this company and customers should complain as I will.

They are anti-​consumer scammers who will interpret their own stated policies to suit their own purposes which is to squeeze you for money. Don’t EVER deal with them. I got them through CheapOAir which should know better, or care about their own image, to be represented by them.

I eventually received the partial refund because they deemed my reason for cancelling (my sons college schedule changed) wasn’t worthy of a full refund.
The application process must be designed to scare off people from attempting to use the insurance. It is a bizarre combination of online forms — but wait — and paper forms that are remarkably confusing. The refunds were issued as certificates and relatively easy to use.
I’m going to look for better options in the future.

I purchased the ticket 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 the 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 cancelation 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 cancelation fee. I called Trip Mate and they told me VERY CLEARLY THAT THEY COULD COVER MY CANCELATION FEE, and asked me to fill out a form and send it back to them. I did everything I should do. After almost ONE MONTH, today I finally got their call, and was told that they couldn’t cover my fee because I canceled the flight not because I WAS HIJACKED, GOT SICK, OR GOT KILLED. I checked again their insurance document and finally found a tiny little paragraph about their coverage for trip cancelation. Here is the statement:
Trip Cancellation
We will pay a benefit, up to the maximum shown on the Schedule
of Benefits, if You are prevented from taking Your Trip due to the
following Unforeseen events:
a) Sickness, Accidental Injury or death of You, Your Traveling
Companion, Family Member or Business Partner which
results in medically imposed restrictions as certified by a
Physician at the time of loss preventing Your continued
participation in the Trip. A Physician must advise cancellation
of the Trip on or before the Scheduled Departure Date;
b) You or Your Traveling Companion being: hijacked,
quarantined, required to serve on a jury, subpoenaed,
required to appear as a witness in a legal action, provided
You or a Traveling Companion is not a party to the legal
action or appearing as a law enforcement officer; or having
Your principal place of residence made uninhabitable by fire,
flood or other Natural Disaster or burglary of Your principal
place of residence within 10 days of departure;
c) You or Your Traveling Companion being directly involved in
a traffic accident, which must be substantiated by a police
report, while en route to Your scheduled point of departure;
d) If within 30 days of Your departure, a politically motivated
Terrorist Attack occurs within the territorial limits of the City
listed on Your itinerary. The Terrorist Attack must occur after
the Effective Date of Your Trip Cancellation coverage
e) Strike that causes complete cessation of services for at least
12 consecutive hours;
f) Weather which causes complete cessation of services of
Your Common Carrier for at least 12 consecutive hours;
g) Bankruptcy and/​or Default of a airline which occurs more
than 14 days following Your Effective Date. Benefits will
be paid due to Bankruptcy or Default of an airline only
if no alternate transportation is available. If alternate
transportation is available, benefits will be limited to the
change fee charged to allow You to transfer to another
airline in order to get to Your intended destination.
This is completely insane! I wasted all of my money buying Trip Mate Insurance previously. I just want to post my bad bad experience so that people who see this won’t be tricked again by Trip Mate!

I’ve read many of the negative reviews… but my experience was quite the opposite. I had a medical claim which made my trip impossible. Yes, there was a fair amount of paper work, Dr’s reports, copies of cancelled checks, proof that it wasn’t a pre-​existing medical condition, etc — that I had to submit. If I was an insurance company facing paying out a fair amount of $ — all seemed as reasonable requests of proof for a claim. A very robust, accurate, on-​line claim status web site was helpful. I received paid claim within 1 week of the last of Drs reports. Like many trip insurance companies, you have to read the small print, there many catch-​22s. But, I would not hesitate to buy additional policies for future trips that use Trip Mate for their claim settlement. My policy was purchased from WorldNomads.

I normally don’t write reviews, but I had too for this one. 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. 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. Well took them 4 months not the 15days they claim to tell me PREGNANCY IS A PRE EXISTING CONDITION. I had no idea pregnancy would be treated as an illness. Unfortunately, I had complications that were pregnancy related. I did not know I had any issues until I got pregnant which was 2 months after I booked my trip. TRIP MATE told me since I did not purchase the insurance within 20 days of purchasing the trip, my claim is not payable. Unfortunately, I was not told this from my travel agent Alex for TRAVELIVE (I can not find them on Unilocal to write a review, but working on that next), who by the way knew I was pregnant as we would have small talk about it. I did not get the terms and conditions until I already purchased the insurance. All I was informed was I had to get the insurance 15days before the trip, which I did. Unfortunately, I began having complications two and a half weeks later. On top of being crushed I could not go on my trip, ended up in the hospital now this company have the nerve to say they are not paying my claim since I had a PRE EXISTING CONDITION. LADIES STAY AWAY FROM DOING BUSINESS WITH THIS COMPANY WITH THERE DISCRIMINATORY PRACTICES. I feel like all the progress women make there is always someone/​something to remind us how far we need to go and TRIP MATE is one.

I booked a trip with OAT (Overseas Adventure Travel) and included the travel insurance with Trip Mate. I had to cancel for personal (not medical) reasons. OAT refunded part of my money stating that the rest would come from TripMate in the form of a travel voucher.
I went on line and printed out the claim forms. Spoke to an agent who told me I needed to sign the last page and email or fax it back to them. I sent it on 2÷12÷2015 but it came back stating «The recipient server did not accept our requests to connect»
I called today to find out what the problem was. I was on hold for 32 minutes (their website reports usual wait time less than 1 minute — HAH). When I finally got thru, the person told me that I would have to speak to the claims office which is not open today for holiday (President’s day).
Service thus far is terrible. I’m glad I am not asking for $$$ back. In the past I have bought separate travel insurance from an independent company. I will do that in the future.
I will NOT buy from this company again.

DO NOT PURCHASE THIS INSURANCE PLAN.
We purchased a Trip Mate Insurance policy, recommended by Grand Circle Travel (GCT). My husband had a medical emergency while on the GCT riverboat cruise. I opened a claim on 9÷22÷14 and submitted a claim for 329.90 Euros (300 Euros Medical Expense and 29.90 Euros Taxi Expense).
I spoke with several Trip Mate customer service representatives, and today found out that they are only going to pay the 29.90 Euros (Taxi Expense). THEY ARE NOT GOING TO PAY THE 300 Euros Medical expense portion. Supposedly I have to submit the medical claim to Medicare (and get denied) and then to my husband’s Supplemental Insurance. This is the first time I was told to do this.
Per my paperwork, I read the following to the Trip Mate supervisor Heather, «Don’t worry about having to pay for medical expenses, if you fall ill or become injured while on vacation. You’re covered up to $ 50,000 for expenses such as doctor’s visits, hospital costs, and emergency care during your trip…» Heather told me that was GCT’s advertising, not Trip Mate’s actual policy. Whatever!
I spoke with GCT who basically backed Trip Mate’s explanation.
I feel totally duped. We spent $ 1,500.00 for the Trip Mate insurance which was WORTHLESS. THEY WILL FIND A LOOP WHOLE TO DENY YOUR CLAIM.
As far GCT, I cancelled our upcoming trip, and will never travel with them again.
Neither Kristin at GCT, or Mike, Supervisor at GCT was concerned that cancelled our upcoming $ 20,000 trip. Just another day at the office:(