Trip Mate

We purchased Trip-Mate insurance at the same time as we booked our trip. We were to travel with Premier Tours Global. Before our trip was scheduled to go Premier Tours Global went out of business. According to Trip Mate's own rules under section IV, General Exclusions and Limitations - Benefits are not payable for any loss due to, arising or resulting from: (#17) "failure of any tour operator, Common Carrier, or other Program supplier, person or agency to provide the bargained-for Program arrangements for reasons other than Bankruptcy or Default.
Plan # 550A3 Cost $1974 each plus insurance for two of us. I would like to receive the $3948 that is due to us.

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.

I purchased the trip insurance and had to cancel the flight, they have denied refund of purchase. What is my next step? First of all Cheapo air ran me around for months, finally sent me the link for Trip Mate and said I had to contact them directly.

How can a business run like this, and make up rules as they go along? I would never recommend them and will be filing a complaint with the Government and Better Business!