Generali is one of the largest insurance companies in the world and they OWN Tripmate, VIKING has a cruiseline policy much like buying insurance for a Princess or HAL cruise. The get a share of the premium paid just like an insurance agent would. This policy is designed for VIKING just as other similar police’s are designed for other Cruiselines which they sell to passengers.
Full disclosure I like the Viking product, dislike their policies and will also be loosing a $5800 voucher and I fully understand I agreed to the terms. Will still sail VIKING (and others) only mad at myself.