In January 2020 we booked a trip for June 2020 and purchased the additional trip insurance. Due to covid-19 CheapCaribbean ended up having to cancel the flights. Since the destination is an island that's the only way we could get there. We spend hours upon hours contacting CheapCaribbean. They finally did a partial refund but told us we would have to contact TripMate for the insurance portion. After months of each company pointing us back to the other we were finally told to dispute with the credit card company. I'm sure they are aware credit credit companies will not do anything that long after the purchase. We are out close to $400 and will never do business with CheapCaribbean ever again.