Trip Mate

What Trip Mate does

Trip Mate is a U.S. travel protection company founded in 1989 and headquartered in Kansas City, with a primary operating address in Pembroke Pines, Florida (operating under the legal entity Generali Global Assistance & Insurance Services, DBA Customized Services Administrators, Inc.). The company designs and administers customized travel insurance plans covering trip cancellation and interruption, medical expenses, baggage loss and delay, travel delays, missed connections, pre-existing condition waivers, and terrorism coverage, distributed primarily through B2B partnerships with tour operators, cruise lines, travel agencies, and travel professionals. Approximately 90% of Trip Mate's business comprises customized plans built for individual travel suppliers, with the remainder sold directly to travelers through travel partners at the point of booking.

The company's core technology platform includes an online claims reporting and tracking system with SMS alerts, the FootprintID® medical records solution with web/mobile/telephone access and 24/7 support, and 24/7 multilingual emergency assistance delivered through Generali Global Assistance's network spanning 200 countries and territories. AI-enabled chatbots and voicebots are deployed for customer support and inquiries, with additional AI applications in process automation, anomaly/fraud detection, and risk assessment. Underwriting is provided through United States Fire Insurance Company (Crum & Forster), Nationwide Mutual Insurance Company, Insurance Alliance, and Generali U.S. Branch.

Trip Mate generates revenue through two primary streams: premiums and administrative fees from customized travel protection plans sold via partner channels (subscription-like recurring revenue tied to each supplier relationship), and program administration fees built into plan pricing covering product design, underwriting management, and claims processing. The company was acquired by Generali Global Assistance in 2019, sits within Europ Assistance Group, and as of May 2026 is part of Redion — Generali's unified global Care platform consolidating Europ Assistance and Generali Employee Benefits, reporting €5.8 billion in annual business volume across 190+ countries.

Name

Trip Mate

Legal name

Generali Global Assistance & Insurance Services

Website

https://tripmate.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

101–250 employees

Short description

Trip Mate designs and administers customized travel protection plans for U.S. tour operators, cruise lines, and travel agencies, with ~90% of business delivered through B2B partnerships. It operates as a Generali/Redion entity, providing underwriting, claims, and 24/7 assistance services.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

All Other Travel Arrangement and Reservation Services (561599), Travel Arrangement and Reservation Services (5615)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Supplier Sourcing, Negotiation & Contract Management (THAKAMAG)

akta.pro secondary industries

24/7 Traveler Support, Disruption Management & After-Hours Services (THAKAMAL), Travel Fulfillment & After-Hours/Agent Assist Services (White-Label TMC Operations) (THACAAAJ)

Keywords

• Travel insurance
• Travel protection plans
• Claims administration
• Emergency assistance services
• Travel supplier programs

Headquarters

HQ city

Kansas City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Travel Protection Plan Premiums: Trip Mate earns revenue through premiums paid by travelers who purchase travel protection plans. These plans are customized for each travel supplier partner and include benefits such as trip cancellation, medical coverage, baggage protection, and travel delay coverage. Trip Mate serves as the program administrator, handling product design, underwriting, and claims services on behalf of the insurance carriers.
2. Program Administration Services: Trip Mate provides complete program administrative services including product design, underwriting management, and claims processing for travel supplier partners. Revenue is generated through administrative fees built into plan pricing.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Trip Mate designs, underwrites, administers, and services customized travel protection plans for travel suppliers such as tour operators, cruise lines, and travel agencies. Its plans cover trip cancellation and interruption, emergency medical expenses, baggage loss and delay, travel delays, missed connections, pre-existing condition waivers, terrorism coverage, and cancel-for-any-reason options. The company also provides program administration, claims processing, online claims tracking, and 24/7 emergency assistance through Generali Global Assistance, with about 90% of its business representing customized B2B plans tailored to each travel partner.

Product overview

Trip Mate is a travel protection company that provides customized travel insurance plans and administrative services. The core offering consists of travel protection plans covering trip cancellation, interruption, medical expenses, baggage, delays, and missed connections. These plans are distributed through travel partners and customized for each client's needs. Supporting services include 24/7 Emergency Assistance through Generali Global Assistance, online claims filing/tracking, FootprintID medical records access, and various assistance services (medical evacuation, legal, business, concierge). Trip Mate operates as part of Generali Global Assistance under the Generali Group, providing underwriting support through United States Fire Insurance Company, Nationwide Mutual Insurance Company, Insurance Alliance, and Generali US Branch. The company was acquired by Generali Global Assistance in 2019 and is transitioning to the new Redion brand in 2026.

Differentiator

Problem solved

Functional benefit

Brands

• FootprintID®: A secure solution for individuals to take control of their medical records and enables immediate access wherever they are in the world. Provides medical and health information access, document sharing with physicians, and 24/7 support via web, mobile and telephone.

Products and services

• Travel Protection Plans Comprehensive travel insurance plans covering trip cancellation, interruption, medical expenses, baggage loss, travel delays, and missed connections. Plans are customized for travel partners and include pre-existing condition waivers and terrorism coverage without geographic or political restrictions.
• Claims Administration Services Complete program administrative services including product design, underwriting management, and claims services performed on behalf of insurance carriers. Features online claim reporting, 24/7 claims support, and dedicated claims examiners with average hold times under one minute.
• 24/7 Emergency Assistance Services Emergency transportation, travel support, and non-insurance personal assistance available 24/7 through Generali Global Assistance. Services include medical evacuation, hospital arrangements, emergency messaging, multilingual interpretation, and concierge services across 200 countries and territories.
• Customized Travel Protection Plan Design Bespoke travel protection program design for tour operators and travel suppliers. Each plan is tailored to the specific travel program with innovative products, competitive pricing, and a customized mix of benefits such as trip cancellation, medical coverage, baggage protection, pre-existing condition waivers, and cancel-for-any-reason options.
• Online Claim Reporting and Tracking Web-based platform allowing travelers to report claims, review claim status, and submit required documentation online. Includes SMS alert updates for filed claims and resume capability for existing claims.
• FootprintID Medical Records Solution Secure medical records solution enabling travelers to access their health information worldwide. Provides web, mobile, and telephone access with 24/7 support for sharing documents with physicians during travel.

Named customers4 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature3 records

Partnerships

13 partnerships are on record, tiered core and minor.

• Generali Global Assistance (GGA) / RedioncoreChannel Partner/ Reseller/ Distributor · 26 May 2026Trip Mate was acquired by Generali Global Assistance in 2019 and is now part of Redion, the new global Care platform brand unveiled by Generali Group in May 2026. Redion consolidates Europ Assistance and Generali Employee Benefits (GEB) under a single unified identity. Trip Mate is among the U.S. entities (alongside Generali Global Assistance, GMMI) included in this rebranding. With €5.8 billion in annual business volume, over 12,000 employees, and operations in more than 190 countries, Redion positions itself as the world's number one in employee benefits and number two in assistance and travel insurance.
• Tourism CarescoreStrategic or Co-development PartnerTrip Mate is a Strategic Partner of Tourism Cares, participating in worldwide conservation projects and sponsorships. Tourism Cares is a philanthropic organization dedicated to helping improve the travel experience today and for future generations through partnerships that protect and restore emerging or at-risk destinations and provide travel industry workforce education.
• United States Tour Operators Association (USTOA)minorStrategic or Co-development PartnerTrip Mate supports its commitment to the travel and insurance communities through membership in the United States Tour Operators Association (USTOA).
• UStiA (US Travel Insurance Association)coreStrategic or Co-development PartnerTrip Mate is a founding member of UStiA, a national membership association of insurance carriers, third-party administrators, and allied businesses involved in the development, administration, and marketing of travel insurance and assistance products. UStiA promotes fairness, integrity, and a commitment to excellence in the travel insurance industry.
• SYTA Youth FoundationminorStrategic or Co-development PartnerTrip Mate is an early supporter and member of the SYTA Youth Foundation's Chairman's Circle. The foundation supports youth travel and educational tourism initiatives.
• United States Fire Insurance CompanycoreStrategic or Co-development PartnerUnited States Fire Insurance Company (a Crum & Forster Co.) is one of the principal underwriters of Trip Mate's travel protection plans. It is a large, financially stable, and respected insurance company providing the insurance backbone for Trip Mate's coverage offerings.
• Generali U.S. BranchcoreStrategic or Co-development PartnerGenerali U.S. Branch is one of the underwriters of Trip Mate's travel protection plans. As part of the Generali Group, this relationship provides the full backing of one of the world's largest insurers to Trip Mate's products.
• Classic VacationscoreChannel Partner/ Reseller/ DistributorClassic Vacations is a long-time travel partner of Trip Mate. Classic Vacations reports that Trip Mate works with them to provide relevant insurance options for high-spend travelers, finding the best solutions to customer needs. Trip Mate is always available to support Classic Vacations' needs.
• ALG VacationscoreChannel Partner/ Reseller/ DistributorALG Vacations partners with Trip Mate on exclusive pre-travel protection initiatives, including the 'Travel Protection Plus' program which combines ALG Vacations' pre-travel benefits with Trip Mate's during-travel benefits. ALG Vacations also offers a during-travel standalone plan fully administered by Trip Mate across all ALG brands including Apple Vacations.
• Unique Vacations (Sandals and Beaches Resorts)minorChannel Partner/ Reseller/ DistributorTrip Mate designed a 'POBO' (Purchase On Behalf Of) plan during the COVID-19 pandemic specifically for Unique Vacations' Sandals and Beaches Resorts. Under this arrangement, Unique Vacations purchased post-departure coverage on behalf of travelers, providing clients with greater confidence traveling during uncertain times.
• IGLTA (International LGBTQ+ Travel Association)minorStrategic or Co-development PartnerTrip Mate is an early supporter and member of IGLTA, the International LGBTQ+ Travel Association, demonstrating its commitment to diversity and inclusion in the travel industry.
• Henrik Romberg (Tour & Cruise Business Line)coreOthersHenrik Romberg's responsibilities were expanded to include the Tour & Cruise business line under Trip Mate as part of a strategic leadership restructuring announced in February 2026. This change aligns teams, strengthens collaboration across North American markets, and supports long-term growth ambitions in travel protection solutions.
• Chris Carnicelli (CEO, North America)coreOthersChris Carnicelli was promoted to CEO, North America, expanding his scope to oversee operations in both the United States and Canada for Generali Global Assistance and Europ Assistance Canada. He serves as the designated Copyright Agent for DMCA compliance and is a key executive overseeing Trip Mate's operations.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Others

• USI Insurance Services: Large US insurance brokerage that distributes and administers specialty personal and commercial coverages including travel insurance programs for tour operators and corporate clients. Comparable as a distribution/admin counterpart for travel insurance risk.

Direct peers

• Seven Corners: Provider of international travel and medical insurance plans distributed through travel agents, tour operators, and benefit brokers. Comparable B2B2C distribution and broad coverage mix including trip protection and emergency medical.
• World Nomads: Travel insurance provider focused on adventure and independent travelers, distributed through tour operators, travel suppliers, and direct online. Comparable in product coverage and emphasis on supplier/partner distribution.
• Berkshire Hathaway Travel Protection: Specialized travel insurance provider offering single-trip, multi-trip, and group plans distributed through travel advisors and corporate partners. Closely comparable in B2B white-label partner model and product breadth to Trip Mate.
• AXA Assistance: Global travel insurance and assistance provider (part of AXA Group) offering trip protection, medical assistance, and concierge services through B2B partners and direct. Same category and assistance-network model as Trip Mate within Generali.
• Allianz Travel Insurance: One of the largest global travel insurance providers, offering trip cancellation, medical, and baggage coverages distributed through travel suppliers, agents, and direct channels. Directly comparable to Trip Mate's product set and B2B distribution model.
• AIG Travel (Travel Guard): AIG's consumer and B2B travel insurance division offering customizable plans sold through travel agents, tour operators, and corporate channels. Operates a nearly identical product and partner-distribution model to Trip Mate.

Broad incumbents

• Europ Assistance (within Redion): Generali-owned global assistance platform recently rebranded as part of Redion alongside Trip Mate. Provides 24/7 assistance, medical, and travel services to insurers and corporations worldwide—overlapping with Trip Mate's assistance and emergency services.
• Tokio Marine HCC (MIS Group): Specialty insurance group offering travel, accident & health, and student insurance through partner distribution. Overlaps with Trip Mate in travel-insurance underwriting and B2B distribution but serves a broader specialty-lines portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/tripmate
• Facebookfacebook.com/pages/Tripmate-Insurance/121174871268311
• LinkedInlinkedin.com/company/trip-mate-inc-

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Trip Mate