Tin Leg Travel Insurance

Tin Leg is a travel insurance brand created by Squaremouth based on 23 years of travel insurance experience, customer feedback, and market analysis. Tin Leg was designed to fill in coverage gaps by offering stronger coverage limits at more affordable prices

Tin Leg Travel Insurance Pros & Cons

What is Tin Leg?

Tin Leg is a travel insurance brand created and backed by Squaremouth.

Squaremouth launched Tin Leg in 2014 after more than 11 years of helping travelers compare travel insurance policies. Drawing on customer feedback and 23 years of travel insurance industry experience, we continue to improve and add new policies to Tin Leg to address common traveler concerns and provide the coverage that travelers value most, with competitive limits and pricing.

Tin Leg offers 9 comprehensive travel insurance plans with different levels of coverage and optional upgrades, giving you flexibility to choose coverage that’s good for any trip type.

Tin Leg plans are among the most frequently chosen on Squaremouth. Tin Leg also holds the highest marks for reliability and financial stability including an A++ A.M. Best rating and an A+ BBB rating.

Are Tin Leg and Squaremouth the Same Company?

No, Tin Leg is a proprietary travel insurance brand that was created by Squaremouth. On the other hand, Squaremouth is a travel insurance marketplace that allows you to compare and purchase coverage from multiple insurance brands, including Tin Leg.

Squaremouth created and launched Tin Leg in 2014 based on our deep knowledge of the travel insurance space and what customers look for in a policy.

As a result, Tin Leg is frequently a top option for price and coverage and is highly rated by our customers. However, as a comparison site, Squaremouth takes a neutral stance toward all its providers, including Tin Leg, and will never try to upsell policies that you don’t need.

What is Tin Leg Known For?

Tin Leg is highly rated for its customer support, with one of the highest overall customer satisfaction ratings on our site.

Medical coverage is one of Tin Leg’s greatest strengths. All plans cover cancellation for medical reasons, while most include pre-existing condition coverage. Tin Leg also features some of the highest Medical Evacuation limits on the market. Tin Leg Gold, the brand’s most popular policy, has $500,000 in primary Emergency Medical coverage, matching the limits on much higher-priced plans.

Tin Leg also offers the broadest Adventure plan on our site, covering 400+ activities, more than any other plan. And, it’s one of few providers with a cruise-specific travel insurance plan, with benefits including itinerary change, and missed ports of call.

Tin Leg has a few drawbacks, too. While its plans provide strong benefits for the price, you pay a bit more to get strong coverage. Its plans are also weaker on secondary benefits. Its limits for Trip Delay and baggage insurance, which were designed to match the average claim amount for most travelers, are lower than many other plans.

What Do Customers Say About Tin Leg?

Customers give Tin Leg high marks across the board, including an excellent rating for customer service before the trip, during the trip, and during the claim. Tin Leg is the 3rd highest-rated provider on our site.

That said, as with most insurance providers, some customers note that Tin Leg requires thorough documentation to support a claim. This can be frustrating for travelers who are not prepared for the level of documentation required.

Ready to explore your options? Get a quote for Tin Leg plans and compare coverage against other top providers.

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How Many Plans Does Tin Leg Offer?

Tin Leg offers 9 comprehensive travel insurance plans and a supplementary AD&D policy for purchase at checkout. One advantage of Tin Leg is a wide range of plans to choose from as well as upgrade options, so you can customize coverage to your needs. This means you can pay for the exact coverage you need without paying for benefits you don’t need.

• Tin Leg Economy: Tin Leg’s entry-level plan with low medical coverages and no pre-existing condition coverage. It’s best for healthy travelers on domestic trips, or short, inexpensive trips who just want basic trip protection.
• Tin Leg Standard: A more basic plan with higher Emergency Medical coverage, terrorism coverage, a lower Travel Delay trigger, and pre-existing condition coverage. It’s best for budget-minded travelers with existing health coverage who need a bit more coverage.
• Tin Leg Basic: A low-cost plan with core coverage for Emergency Medical and Medical Evacuation, and pre-existing coverage. It’s best for budget travelers with a pre-existing condition who want the basics for international travel.
• Tin Leg Platinum: A mid-tier plan with $100,000 in secondary Emergency Medical and $500,000 in Medical Evacuation, and pre-existing condition coverage. It’s one of few plans that covers Cancel for Work Reasons. It’s best for people with demanding jobs, and those who want adequate Emergency Medical limits for international travel with a lower premium.
• Tin Leg Silver: Tin Leg’s strongest plan for baggage protection, offering $2,500 for Baggage Loss, Baggage Delay after 8 hours, $2,000 in Travel Delay, $1 million for Medical Evacuation, and the option to add Cancel For Any Reason (CFAR). It’s best for international travelers with expensive luggage and many connecting flights, and those who want maximum flexibility on cancellation.
• Tin Leg Gold: A comprehensive plan with the strongest medical benefits, including $500,000 in primary Emergency Medical and Medical Evacuation coverage, and CFAR. It’s the most popular plan on Squaremouth, best for international and older travelers who prioritize medical protections, and want the ability to customize.
• Tin Leg Adventure: Provides the best breadth of coverage for adventure trips, including coverage for more activities than any plan on our site. It also includes Sports Equipment Delay, Sports Equipment Loss, high Baggage Loss limits, 5-hour Travel Delay, and $1 million in Medical Evacuation. It’s best for hikers, skiers, divers, safari-goers, and anyone traveling with sports gear, or to remote places.
• Tin Leg Luxury: One of Tin Leg’s more affordable plans for primary medical coverage. It also offers many upgrades including CFAR, Rental Car Damage, and higher limits for Emergency Medical and Medical Evacuation. It’s best for people who want a flexible, buildable plan without unnecessary benefits.
• Tin Leg Cruise: Of the few cruise-focused plans on our marketplace, it’s the only one with add-ons for both CFAR and Interruption For Any Reason (IFAR). It offers cruise-specific benefits including $500 for missed connections after 3 hours and a high limit for Medical Evacuation. It’s best for cruisers who want flexibility and protection against common cruise disruptions.
• AD&D: Not a full travel insurance plan, but a policy for 24-Hour Accidental Death & Dismemberment that you can add to any plan purchased on Squaremouth while checking out.

What Does Tin Leg Cover?

While benefits vary by plan, Tin Leg plans span all of the major concerns of most travelers, including Trip Cancellation and Interruption, Emergency Medical and Evacuation, baggage insurance, Travel Delay, and Missed Connection coverage. 5 plans also include CFAR coverage, giving you more flexibility to cancel your trip.

Compare All Plan Details

What Upgrade Options Does Tin Leg Offer?

Tin Leg’s upper-tier plans offer several ways to increase or customize your coverage, including CFAR and IFAR. Upgrade options vary by plan, and Tin Leg’s Basic, Economy, and Platinum plans don’t offer any upgrades.

Increased limits:

• Higher Emergency Medical
• Higher Medical Evacuation & Repatriation

Add-ons:

• CFAR
• IFAR
• Flight Only AD&D
• Rental Car Damage
• 24 Hour AD&D

How Much Does Tin Leg Travel Insurance Cost?

Tin Leg was built to offer the best coverage for the price rather than be the cheapest coverage, to help you get the right coverage for your needs. For this reason, Tin Leg falls in the middle when it comes to affordability. Tin Leg’s comprehensive travel insurance plans cost around $270 on average. With an average trip cost of around $7,200, this amounts to around 4% of trip cost.

It ranks as the 5th most affordable for medical-only travel insurance, with the average plan costing around $24. In fact, Tin Leg offers very competitive pricing for plans with high Emergency Limits. Its plans often charge less than competing plans with similar limits.

Where Does Tin Leg Stand Out From Other Insurers?

Tin Leg offers very strong Emergency Medical, pre-existing condition, CFAR, and adventure plan coverage. Its plans are weaker on secondary benefits like Trip Delay and baggage insurance, where its limits tend to be a bit lower than competitors.

For example, Tin Leg Gold, Tin Leg’s most popular plan, offers very high Emergency Medical coverage for its price. Competing plans with the same Emergency Medical limit are much more expensive, with some charging nearly double the premium for similar coverage.

On the other hand, these policies have higher Medical Evacuation limits, and better supplemental benefits, including higher limits for Trip Delay, Missed Connection, Baggage Loss, and Baggage Delay.

Is Tin Leg Right for Me?

Tin Leg is right for many types of travelers who are looking for high limits on key benefits like Emergency Medical and Medical Evacuation without paying for supplemental benefits they don’t need.

Tin Leg is an especially good choice for:

• Adventure travelers: Tin Leg Adventure is one of the most comprehensive and competitively priced adventure plans on our site.
• Cruisers: Tin Leg’s cruise plan gives you extra flexibility to cancel or interrupt your trip.
• Travelers who need flexibility to cancel: Many Tin Leg plans offer a CFAR upgrade, which can reimburse part of your prepaid, nonrefundable trip costs if you cancel for a reason not otherwise covered by the policy.
• International travelers who need medical coverage: Tin Leg Gold has a high $500,000 Emergency Medical limit for an affordable price.

Tin Leg is weaker on providing comprehensive coverage for other travel mishaps like baggage loss and delays. Consider the alternatives below if you need high limits on these types of benefits, or you’re looking for the lowest-priced comprehensive coverage:

Alternatives to Tin Leg

Seven Corners

Seven Corners is another provider that offers high medical limits on its plans. Premiums tend to be more expensive than Tin Leg, but many plans offer $1 million in Medical Evacuation coverage, which may be worth it if you’re particularly concerned about the price of an evacuation.

HTH

HTH is another option for travelers looking for strong evacuation coverage, with a high $1 million limit on its TripProtector Preferred and TripProtector Classic plans.

IMG

IMG offers comprehensive coverage with competitive pricing for many types of plans. Its popular iTravelInsured Choice plan is a top choice for international travel, offering high limits on Emergency Medical and Medical Evacuation for one of the lowest premiums.