After waiting from May 6, 2020 to July 31, 2020 and writing many letters including a complaint to the Better Business Bureau, I received a partial reimbursement from the travel company (not from Tripmate) but not for the travel portion. After about 4 pages of calls and follow-up to Tripmate, the company agreed to reimburse the full price of my trip with vouchers (I hit the ceiling). Apparently cancellation for any reason turned out to be 'any reason' the company sees fit. The policy states if you pay for insurance, you can get refunds in money or vouchers. The issues caused by the pandemic wasn't good enough. I was told at one point, money could not be refunded because I didn't actually have COVID.. User's recommendation: Stay the h**l away from Tripmate!