Trip Mate Inc TravelSafe claim delay, misrepresentation, unsatisfactory offer Kansas City MO

I purchased trip insurance for a Viking River Cruise.  My partner passed away unexpectedly before we could travel.  The cost of his ticket was $3,898 and because I am still taking the trip alone, I was charged an additional fee for single supplement.  I file my 2 claims in February 2018.  All I am getting is the run around when I call to check status and my claim process log is only updated after one of my many calls.  It appears to be a scam and the only thing professional is the stall tactics used.  After 2 months they listed an explanation of benefits (not sent to me as yet) for $584.70 for the cost of my partners ticket and nothing for the single supplement charges. 

In addition, they supposedly made payment out to my deceased partner who did not pay for the insurance – I did.  I have never seen the check or any payment at all.  When I called to register yet another complaint, I was told they would put a stop payment on it and re-issue to me.  The check was still at their premises, had not been mailed, yet it would take 2-3 weeks to re-issue to the correct payee.  Then when I asked for an explanation and details as to how they arrived at the amount of $584, no one could furnish details. 

All I was told it must be the maximum allowed by the plan I purchased.  I read every line of their 14 page plan and nowhere does it refer to a maximum allowed amount to be less than the trip cost.  I was then told if I want to dispute the amount, I would have to wait until I received a check and submit dispute paperwork.  This process would take an additional minimum of 30 days for them to re-review and re-process.  I am filing a complaint with every state they are licensed because as I research more, I am finding hundreds of similar complaints.  I think their license should be revoked.