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Tin Leg Travel Insurance Review


ConsumersAdvocate.org Rating: 4.4 / 5 (Excellent)
13 Customer Comments & Reviews - see all comments
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Founded in 2014, Tin Leg offers a wide range of plans for both domestic and international travel. In total, these plans include coverage for nearly all common issues travelers experience. Plans are further customizable through a variety of individual riders. Tin Leg is a subsidiary of SquareMouth, one of the best-known travel insurance marketplaces in the US. The company located in St. Petersburg, Florida.

How is Tin Leg rated?

Breakdown

4.5/5
Coverage
4.0/5
Extra Benefits
4.5/5
Financial Strength
4.5/5
Price & Reputation

Overall Rating: 4.4 / 5 (Excellent)

Since the onset of the global pandemic, the travel, hospitality, and insurance industries—as well as travelers themselves—have faced many challenges. Border closings, illness, quarantine imperatives, and more have caused countless travelers to cancel trips they've looked forward to for a long time. The response by the travel insurance industry has been widely criticized, with many denying COVID19-related claims and leaving policyholders in the cold.

Against that backdrop, Tin Leg has distinguished itself by earning accolades—including recognition for superior pandemic coverage by Forbes Magazine.

Established in 2014, the company is a subsidiary of SquareMouth, one of the top travel insurance marketplaces in the US. It covers policyholders in the event they contract COVID19 before they leave for their trips or while traveling and need to cancel their trips. They can also claim the medical expenses they incur due to coming down with the virus or other illnesses.

Tin Leg also offers coverage for the traditional issues that trouble travelers, from lost and delayed baggage to trip interruption to missed flights. The only exception we noted is rental car damage coverage, which the company doesn't offer.

Tin Leg policies are underwritten by companies that earn excellent ratings for financial strength. With its many coverage options, high level of COVID19 protection, and variety of plans, Tin Leg is well worth considering, whether you're traveling domestically or internationally.

Tin Leg Plans & Coverage

Coverage - 4.5 / 5

Tin Leg offers a choice of nine different plans, including one dedicated to domestic travel and another tailored to adventure travelers. Depending on the plan you select, your coverage and premiums will vary. Customers can select policies that cover a full range of travel mishaps, from those that amount to minor annoyances to tragic events. Coverage is available for:

Trip Cancellation Trip Interruption Hurricane & Weather Terrorism Financial Default Employment Layoff Cancel for Medical Reasons Cancel for Work Reasons Cancel for Any Reason Emergency Medical Pre-Existing Conditions Medical Deductible Medical Evacuation Medical Evacuation & Repatriation None-Medical Evacuation Travel Delay Baggage Delay Missed Connection
Available Plans
Comprehensive
Trip Cancelation/ Interruption
Medical
Baggage
Accidental Death
Group
Trip Cancellation/Interruption Coverage
Injury/Illness/Death of Traveler
Injury/Illness/Death of Non Traveling Family Member
Natural Disaster at Destination
Tour Operator/Airline/Cruise Line Ceases Operation
Terrorism/Evacuation at Destination
Theft of Passport Prior to Trip
Birth of Family Member's Child
Quarantine of Traveler or Travel Companion
Traffic Accident on Departure Date
Injury/Illness/Death of Host Overseas
Legal Separation or Divorce
Home or Destination is Uninhabitable
Travel Delay of 24 Hours or More
Cancellation of Multi-Day Tour
Relocation or Layoff by Employer
Military Service Obligation
Baggage Coverage
Lost/Damaged/Stolen
Baggage Delay Coverage

Emergency Medical Coverage Details

Emergency Medical Pre-Existing Condition Coverage
Maximum Emergency Medical Reimbursement
$500,000
Maximum Emergency Medical Evacuation Reimbursement
$500,000

Baggage Coverage Details

Maximum Baggage Reimbursement
$500

Tin Leg Financial Strength

Financial Strength - 4.5 / 5

Depending on the plan you select, the company that underwrites your policy will differ. At this time, Tin Leg works with three different underwriters: Berkshire Hathaway, Spinnaker Insurance Company, and Starr Indemnity & Liability Company. Financial ratings awarded by each of these companies by AM Best range from excellent to superior.
Underwriter
Berkshire Hathaway, Spinnaker Insurance Company, Starr Indemnity & Liability Company
AM Best Financial Rating
A++

Tin Leg Price & Reputation

Price & Reputation - 4.5 / 5

Travel insurance premiums vary according to many factors, including your destination, duration of trip, and coverage limits. Tin Leg provides a quick online form you can use to compare plans and prices.

Tin Leg itself is not rated by the Better Business Bureau or Trustpilot. As important as your choice of travel insurance company, however, is the financial strength of the company's policy underwriters. In Tin Leg's case, policy underwriters rate highly for financial strength with AM Best, which is considered the most respected rating organization in the insurance industry.
Date Collected
2021-09-18

Tin Leg Customer Assistance Services

Extra Benefits - 4 / 5

Unlike some competitive plans, Tin Leg's emergency medical services coverage includes claims for pre-existing conditions.
24/7 Support
Mobile App

Homepage URL
Company Phone
(844) 240-1233
Headquarters Address
4355 Central Avenue, St. Petersburg, FL, 33713

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13 Customer Comments & Reviews

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gliattitd
3/31/2024
Just like the others. Totally a rip-off. When I went into ER and then was admitted on a domestic trip they were very soothing and told me not to worry, they would take care of me. After a year and a half of emails back and forth asking for many of the same things again and again they ended up saying I breached the contract by not going home the day I was scheduled. It didn't matter how many times I called and told them the Dr. wouldn't release me for travel. Simply I didn't go back on the date that was set when I purchased. But it took months of the trying to deny it for various other reasons. This company is related to Squaremouth and I even went to them to protest, but they sure... Read More


gckdonahue
12/4/2023
Same as the other complaints. Total ripoff. Will never use again. I had 2 flight cancellations and they want a reason from the airlines as to why? Tin leg does this on purpose because the know the airlines won't give you this documentation. The airline won't give you a reason because they would be held liable


gliattitd
6/19/2023
I bought a policy and ended up in the hospital. For 7 months I've been going through hoop after hoop with them and it's pretty obvious they have no intention of paying a thing. Hours upon hours of trying to suffice questions, submit extra information.. it doesn't matter they are not going to pay me a dime. I've now submitted a complaint to the Better Business Bureau and I will contact the insurance commissions as well. I have bought 5 policies from them and this is the first time I've had to use one. If you buy this insurance, you are just throwing your money to the wind.


shastalotusinstitute
4/25/2023
What a joke! I bought this coverage for a trip to Italy, which was interrupted due to a positive covid test result while we were in route. I followed all their directions on how to file the claim and what I'd need. Luckily, I was able to get alot of my money refunded from Italian itinerary, but they wouldn't pay for any of our expenses due to quarantine. They passed me off to Broadspire to process the claim and I was passed around to 4 different claim adjusters, all of which kept asking for different submissions after one of their predecessors had approved things. I think they just want to tire someone out and not have to pay anything- what a waste of money and hours upon hours of... Read More


ladybugjj5148
2/9/2023
I have had a claim pending over 9 months and it is still ongoing. They contract out their claims to other companies who have the worst customer service ever. Do not buy from this company you will be sorry. All they know is delay, delay and delay. How they ever got a review with more than 1 stars is beyond me.


ladybugjj5148
2/9/2023
I have had a claim pending over 9 months and it is still ongoing. They contract out their claims to other companies who have the worst customer service ever. Do not buy from this company you will be sorry. All they know is delay, delay and delay.


D
D R
1/14/2023
Dear Sirs, I would like to make you aware of my recent challenges with Tin Leg Insurance coverage. After many purchases of travel insurance without ever submitting a claim, I just submitted my first claim and had a very negative experience with Tin Leg. I purchased a golf travel bag a few years ago. The bag was recently lost in San Diego by Japan Airways. After the bag was found by the airline, it was damaged (beyond repair) by the San Diego US Customs Service. When I submitted the claim to Tin Leg with my flight details, lost baggage documentation, evidence of the non-repairable damage, photographs, etc., Tin Leg still wanted to see the “original” purchase receipt. Like the... Read More


H
Heather S
12/27/2022
I purchased a Tin Leg gold plan with Cancel for Any Reason coverage, and ended up filing a claim due to a medical issue. A routine colonoscopy just before the trip led to a surgeon telling me I had a potentially cancerous tumor the size of a tangerine that needed immediate removal as it could cause a life-threatening blockage. So I could not go on the trip. I filed a claim for 1/3 of the costs that were covered by the policy, not even needing CFAR given this was a medical event occurring to me with no option to continue on the trip, but after six months of stonewalling I still await payment on the claim. Do not use Tin Leg.


C
Cristian
9/14/2022
I wish I would have checked with my credit card travel insurance benefits, probably a smoother experience in getting reimbursed for hotel, transportation and incidental expenses due to missed flight connection in Europe. So far I am still waiting for a resolution on our claim that was transferred to a different company named Broadspire, part of Crawford...Very disappointed on how they handled our claim so far. We purchased 4 prior policies with Tine Leg and fortunately never had to use them but after the current experience we will not be repeat customers.


C
Carol D
9/13/2022
I purchased trip insurance for my son in May of 2022 for his trip to Italy. Multiple flights and cancellations occurred and we are due a monetary benefit based on the plan we purchased. We have been contacting customer service 3 times a week for 12 weeks and the agent dealing with our case never returns our call or emails. Customer Service is non-existent. I regret purchasing this plan. I am so disappointed that I had trust in this company based on research and reviews.



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