I have always appreciated REI and trusted their advice and products.  But their travel insurance partner, Trip Mate, Inc., is not a company I will ever use again.  I advise anyone to make sure and understand what you are signing up for if using this company.  Our June 2020 Peru trek was cancelled due to Covid travel restrictions and after five months of runaround, requesting the same information 3 times, the company denied our claim for cancelled flight costs.  They said we were only covered due to the reasons under the Missed Connection Benefit.  They then stated: "the covered reasons for Missed Connection: a. any delay of the Common Carrier, b. documented weather condition preventing you from getting to the point of departure, c. QUARANTINE, hijacking, strike, natural disaster, etc.  How are our flights not covered?