Users have voiced significant frustration with Trip Mate, citing prolonged delays and poor customer service. One Cruise Critic user labeled it a “HORRIBLE company,” cautioning others about the challenges of getting claims processed. On Reddit, a traveler reported that it took six months and multiple appeals to secure a refund. Trip Mate also came up in the Rick Steves forum, where a user mentioned that while their claim was approved relatively quickly, the actual payout took over two months. Meanwhile, a Facebook user compared Trip Mate to Allianz, stating that Allianz was far more efficient and reliable in handling claims.