Trip Mate review: Denied claim

I submitted a claim for reimbursement to TripMate of my deposit for a trip July 4-9, 2020, to the Dominican Republic made thru CheapCaribbean. I cancelled this trip because I recently had a total knee replacement, was fearful of travelling to the Dominican Republic because of the coronavirus or being stuck in that country because the airlines were no longer traveling there. Because of the coronavirus, United Airlines had altered my trip to totally different dates than I had originally selected, and the US State Department issued a Level 4 travel warning for the Dominican Republic. I just checked on my claim status and saw that it was denied. No reason was given.