My partner an I booked a cruise with Viking to take place in 2020. It was cancelled due to pandemic and rescheduled for 2022. On the first day of the cruise he had a stroke and subsequently died. I submitted claims to Trip Mate and they lost my claim submission. Upon complaining to the BBB I at least got a response and was told my claim would be denied due to the fact it was paid for with vouchers. (I guess it doesn't matter that the original booking was paid for with dollars.) Then I was told my hotel and cab expenses would qualify for reimbursement and that I should resubmit along with a copy of his death certificate. So, I did and, again my claim was denied. I am not sure why we paid for insurance at all. This has been the worst experience of my life.