I had to cancel this trip before we left due to a ruptured appendix. There was a ground stop at the airport that we had to make connections at so rescheduled for the next day. The next day is when I had my appendix ruptured. I filed for the insurance about 2 weeks later. TripMate handled the claim. It took 2 months for them to pay with me calling them frequently. While the representatives were nice, no one could do anything to see speed up the delay in my claim. I had to resend some of my paperwork since they had lost it. They would tell me that they had everything needed but things kept on getting delayed. No one would connect me with a supervisor. They were checking on things like a refund on the airplane ticket which I did not even claim since the airline had refunded that to me. Delay, delay, delay. Very unresponsive. The policy itself is fine. TripMate handles many of policies that are on this site. My advice is to go to TripMate's web page under claims to see the list that they handle - and then not use any of those companies since the claim process is very poor. I had purchased another policy for a trip in January that I had to cancel due to complications from the ruptured appendix. That company (Travel Insured International) handled my claim for the deposits that I had made and refunded all of my money within 2 weeks of my first contact with them. I will use them again.

Good coverage for a reasonable amount. Just glad that I did have to file a claim.

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I purchased the coverage many months before our trip, just in case. Happily, we didn't need to file a claim before, during, or after so I can't speak to that aspect, but it gave me peace of mind to have the insurance.

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We've used InsureMyTrip numerous times and will again for trips that are expensive and include visits to developing countries.