My family and I went to Holland for our vacation. My son and I contracted Covid and we could not fly back on our scheduled flight. Sadly, Holland doctors and hospitals won't see patients with Covid, and ESPECIALLY if you are a foreigner. So we couldn't get any official documentation. We had to change our flight and book alternative hotels until we were able to fly. When we submitted our insurance claim, they insisted on documentation that we couldn't possibly get since Holland doctors/hospitals turned us away. But the worst part is the COMPLETE lack of response and communication from TripMate. You have to file online and if you need to talk to someone, good luck. You may get someone on the phone but they basically tell you to keep checking the online portal – which tells you nothing.
Basically TripMate plays the "wait them out until they forget game". They are AWFUL, a complete waste of money, and (IMO) borderline fraudulent as they take your money but really have no intention of ever paying out a claim.