My daughter was scheduled to go on a school trip, unfortunately, she has to cancel as she changed schools because of our move. Tripmate said the cancellation is not covered and will offer 75% back of the over $2000 payments I have made. I cancelled in August, and when I called they said they refunded my credit card in July, that's before I canceled. Their records are wrong. On top of cancelling they charge a $399 cancellation fee.
In November, I received a letter stating I would be receiving a check. It's mid January and have not received a check. The agent on the phone said it's because of the holidays so the mail is slow. This seems to be illegal. Now that I am checking all the review sites, they all give 1 star. My mistake for not doing my due diligence when buying trip insurance through the school itinerary/program. I would not recommend using this insurance.