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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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mtnbookcottage
7/26/2022
I purchased the Gold coverage in 12/21 for a trip for 5/1-5/8. I was in a terrible accident on 4/29 requiring surgery and had to cancel my trip. All info was submitted by 5/9 and then crickets. I called Tin Leg in June and they told me Broadspire was handling my claim. Tin Leg reached out to them and we received an email on 6/21 that they wanted a more detailed breakdown of the travel expenses. We uploaded this information in 6/21 and received an email the info was received and we would hear back from them in 5-7 days. We did not hear from Broadspire. I called Broadspire on 7/21 and they acknowledged they had my information and it was still under review but she would escalate it and I... Read More


N
Nick
5/9/2022
Our flight coming back to the US was cancelled and rescheduled for the following day causing us to pay for another night at a hotel. Getting a room on a Saturday in Rome at the last minute is an expensive ordeal! Luckily we had Tin Leg. We saved all of our receipts and submitted them upon our return along with an email from the airline showing it had cancelled the original flight. Tin Leg’s claim procedure was easy. We just uploaded all of our receipts and emails. Once they were reviewed,,Tin Leg called and reviewed our claim with us. A couple of weeks later it was approved. We are now awaiting the reimbursement check. Glad we had insurance and it was Tin Leg!


O
Oleg K
2/25/2022
I chose Tin Leg specifically because it was advertised as being good to cover for for Covid related travel problems. The additional expenses my family experienced were specifically related to Covid infection with our companions. If we did not move out from the house, my entire family would get sick with Covid and be delayed for 5-7 days in France, as was the case with the people who stayed in the house. In that case Tin Leg would cover my expenses. So, cudos to Tine Leg - they denied my expenses based on a technicality. And they lost a customer as well as earned a negative review. Oleg K.



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