I purchased trip insurance with Trip Mate. We were in a car accident in St. Lucia, and when I called to report the accident I had to leave a message. They did not call me back, and when I got in touch with them stated, "we don't make phone calls outside the US, " as the reason for not calling me back! Now I have filed multiple claims with them, multiple times, and have waited for over a month to receive an answer regarding my medical claims. When I call them, I am told, "it is in the final stages of review." That is NOT helpful! I have paid a lot of money for medical services out of pocket and was expecting to receive the money back, due to the way the policy was written, as well as the fact that some of my medical bills have been paid. I need answers, and payment of my medical bills. I would recommend that people are WARNED not to use Trip Mate insurance if they expect money for trip interruption, medical expenses, or any kind of decent customer service.