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LAST UPDATED: December 19th, 2023

Founded in 1988, travel insurance provider Trip Mate offers services including travel and medical assistance, concierge services, and legal assistance.

Each insurance policy is only available through a Trip Mate business partner. Partners include travel suppliers like travel agencies, cruise lines, and tour operators. Each offers a specialized plan and schedule of benefits. These can include emergency medical expense benefits, as well as travel assistance for things like lost or damaged baggage or delayed transportation.

Plans are underwritten by Arch Insurance Company (A+), Nationwide Mutual Insurance Company (A+), and United States Fire Insurance Company (A).

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The Good

  • Specialized Plans
  • 24/7 Customer Service
  • Global XPI

Specialized Plans

Each Trip Mate protection plan is designed for the travel suppliers and clients to be covered. This is a professional company that works to specialize its plans for suppliers, rather than individuals making their own plans with online research.

24/7 Customer Service

Customers can contact Trip Mate 24 hours a day via phone for travel assistance services and submit claims online.

Global XPI

Trip Mate travel plans come with access to Global XPI. XPI stands for Express Patient Information. This is a web-based health info service that helps to share info with your health care provider, physician, or pharmacist. It meets or exceeds HIPAA regulations. Access starts 90 days before your departure date and helps you share personal health information with providers in case you need treatment, including an existing medical condition, any current medications, or allergies.


The Bad

  • Third-Party Availability

Third-Party Availability

Individuals cannot buy a policy from Trip Mate directly. They are only offered through third-party suppliers like a travel agent, tour operator, or cruise line. Some other travel insurance companies offer both public plans and additional plans privately through third-party suppliers. This company simply does the latter.

Sample plans, if any, will be provided via your travel supplier, not Trip Mate. This makes it hard to compare cost, insurance coverage, or benefits for a pre-existing medical condition, or any exclusions and limitations.


The Bottom Line

Trip Mate offers standard travel protection coverage for things like trip cancelation, trip interruption, medical evacuation and expenses, missed connections, travel delays, and baggage issues.

While this is a large U.S. provider, plans are only available through third-party suppliers like tour operators and travel agencies. Plans are specialized for different suppliers, customers, and trips.

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