Upon further review of the T&C for Tripmate:
1) For CFAR, it clearly states that "The maximum amount covered under this “Cancel For Any Reason” Waiver is Your Trip Cost. Trip Cost is defined as “Trip Cost” means the amount you paid for your Trip.
2) For Trip Cancelation (for a covered reason such as illness) it states:
Coverage We will reimburse you, up to the amount in the Schedule, for Trip Cancellation Covered Expenses, if you are prevented from taking your Trip due to any of the Unforeseen Covered Events listed below. ... 1. forfeited, prepaid, non-refundable, and non-refunded published Payments that you paid for your unused Trip. Should you elect to reschedule your Trip instead of cancelling, in lieu of covering these expenses we will pay for Change Fees charged by your Travel Supplier; 2. the monetary value of your travel voucher that you redeemed for your Trip
So, if you go by what is clearly states it would not cover the monetary value of your travel voucher for CFAR but would for Trip Cancelation. And as others have stated, you need to go by what it states in writing and not what anyone at Viking tells me.