Is Tripmate travel insurance a good choice?

Travel Destinations

By Kristy Tolley

Introduction to Tripmate Travel Insurance

Traveling is one of life’s greatest experiences, but sometimes it can be unpredictable. Whether it’s a flight delay, a medical emergency, or a lost suitcase, unexpected events can ruin your trip. This is why travel insurance is an essential investment for any traveler. One such option is Tripmate Travel Insurance, which offers a range of coverage options for domestic and international travelers. This article aims to provide an in-depth review of Tripmate Travel Insurance, including its coverage, cost, and benefits, to help you decide if it’s the right choice for your next trip.

What is Tripmate Travel Insurance?

Tripmate Travel Insurance is a comprehensive insurance product designed to provide coverage and protection to travelers in case of unforeseen events. It is underwritten by Nationwide Mutual Insurance Company, one of the largest insurance providers in the United States. Tripmate offers a range of coverage options, including trip cancelation, trip interruption, trip delay, emergency medical, and baggage loss or delay coverage.

In addition to its standard coverage options, Tripmate also offers a Cancel for Any Reason (CFAR) option, which allows travelers to cancel their trip for any reason and receive reimbursement for a portion of their prepaid, non-refundable trip costs. This option is particularly useful for those who want the flexibility to change their travel plans without worrying about losing money.

Coverage and Benefits of Tripmate Insurance

Tripmate offers several coverage options that cater to the needs of different travelers. Its Standard Plan offers coverage for trip cancelation, trip interruption, emergency medical, and baggage loss or delay. Trip cancelation coverage applies to non-refundable trip costs, such as airfare, hotels, and tours. Trip interruption coverage applies to the same expenses, as well as additional costs incurred due to the interruption.

Emergency medical coverage includes medical expenses, emergency medical evacuation, and repatriation of remains. Baggage loss or delay coverage provides reimbursement for lost, stolen, or damaged baggage, as well as expenses incurred due to baggage delay.

For those who need more comprehensive coverage, Tripmate offers a Choice Plan, which includes all the standard coverage options, plus trip delay coverage and accidental death and dismemberment coverage. The CFAR option is also available with the Choice Plan.

How Much Does Tripmate Travel Insurance Cost?

The cost of Tripmate Travel Insurance varies depending on several factors, including the age of the traveler, the length of the trip, and the level of coverage selected. Generally, the cost of the insurance is around 4-8% of the total trip cost. However, this can vary depending on the specific coverage options selected.

Is Tripmate Travel Insurance Worth the Price?

Whether or not Tripmate Travel Insurance is worth the price depends on the individual traveler’s needs and circumstances. For those who are traveling internationally or have a high-value trip, the cost of insurance may be worth the peace of mind it provides. However, for those who are traveling domestically or have a lower-value trip, the cost of insurance may not be worth it.

It’s important to note that Tripmate’s coverage is comprehensive and includes many benefits that may not be covered by other insurance providers. Additionally, its CFAR option provides added flexibility that may be valuable for some travelers.

How to Purchase Tripmate Travel Insurance

Purchasing Tripmate Travel Insurance is quick and easy. Travelers can purchase the insurance directly from Tripmate’s website, or through a travel agent. To purchase the insurance, travelers will need to provide their trip details, including the travel dates, destination, and total trip cost.

How to File a Claim with Tripmate Insurance

If an unexpected event occurs during a trip, travelers can file a claim with Tripmate by contacting their claims department. The process is straightforward, and travelers will need to provide documentation to support their claim. Tripmate’s claims department is available 24/7, and claims are typically processed within a few business days.

Tripmate Travel Insurance Reviews: Pros and Cons

Tripmate Travel Insurance has received mixed reviews from customers. Some customers have praised its comprehensive coverage and quick claims process, while others have criticized its cost and limited coverage options. Some pros and cons of Tripmate Travel Insurance include:


  • Comprehensive coverage options
  • CFAR option provides added flexibility
  • Quick and easy claims process


  • Higher cost compared to some other insurance providers
  • Limited coverage options for extreme sports and adventure activities

Tripmate vs. Other Travel Insurance Providers

There are many travel insurance providers in the market, and Tripmate is just one of them. When comparing Tripmate to other providers, it’s important to consider the level of coverage, cost, and flexibility offered. Some popular travel insurance providers include Allianz Global Assistance, Travel Guard, and World Nomads.

Common Questions about Tripmate Travel Insurance

Some common questions travelers may have about Tripmate Travel Insurance include:

Is Tripmate Travel Insurance valid for international travel?

Yes, Tripmate Travel Insurance offers coverage for both domestic and international travel.

Does Tripmate Travel Insurance cover pre-existing medical conditions?

Tripmate Travel Insurance does not cover pre-existing medical conditions, unless the policy is purchased within a certain time frame after the initial trip deposit.

Can I purchase Tripmate Travel Insurance after booking my trip?

Yes, travelers can purchase Tripmate Travel Insurance at any time before their departure date.

Final Verdict: Should You Choose Tripmate Insurance?

Whether or not Tripmate Travel Insurance is the right choice for you depends on your individual needs and circumstances. If you are looking for comprehensive coverage and flexibility, then Tripmate may be a good choice. However, if cost is a concern, or if you need coverage for extreme sports or adventure activities, then you may want to consider other providers.

Conclusion: Pros and Cons of Tripmate Travel Insurance

In conclusion, Tripmate Travel Insurance is a comprehensive insurance product that offers coverage and protection to travelers in case of unforeseen events. It provides a range of coverage options, including trip cancelation, trip interruption, emergency medical, and baggage loss or delay coverage. Its CFAR option provides added flexibility, and its claims process is quick and easy. However, its cost may be higher compared to other providers, and its coverage options for extreme sports and adventure activities are limited.

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Kristy Tolley

Kristy Tolley, an accomplished editor at TravelAsker, boasts a rich background in travel content creation. Before TravelAsker, she led editorial efforts at Red Ventures Puerto Rico, shaping content for Platea English. Kristy's extensive two-decade career spans writing and editing travel topics, from destinations to road trips. Her passion for travel and storytelling inspire readers to embark on their own journeys.

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