Tripmate switched policies and did not honor the "cancel for no reason" policy. My wife and I scheduled a trip with our local church to Israel (Nov 18-27 2010). We paid a total of $6952 for two fares of which $438 was for travel insurance. Under the provisions of the contract you cannot pay for the trip insurance until all of the monies for the trip are paid. We did that and did not receive a copy of the insurance provisions nor is a policy 427N policy available for download. We had to cancel the trip due to the unexpected call from our adoption agency that identified us a candidates for adoption of siblings. We had to take the kids during the trip period so we cancelled September 13, over two months before the trip was scheduled.I first contacted Noseworthy travel DBA Educational Opportunities and cancelled in writing per our agreement. They referred me to their website that told me to use policy number 427N (which Tripmate said did not exist that I was to use f427E). I contacted Tripmate, filled out the forms provided, sent in receipts, and sent the all express overnight mail for processing. I contacted them each Monday thereafter to check the status of the claim. I was told by "Tom" that the paperwork did not reach an adjustor until the 24th of September and it would be a few more weeks for resolution. I kept checking and finally I checked the website and it stated the claim was denied. I called Tripmate and asked why was my claim denied. I wasn't given a reason, just I would receive a credit for a future trip with NoseWorthy travel and no cash. I was promised a written explaination which I am still waiting for. I attempted to solicit the assistance of my church since they recommended this agency and my request was refused.

The Bottom Line: Make every effort to find some other source of trip insurance if possible. Our experience is "less than stellar" with this guys. I have filed a complaint with the BBB in Missouri but frankly I don't think my chances of collection are good. I just want people to know my story and avoid a possibly expensive lesson.