Why Choose Tin Leg for Travel Insurance

Notable Features
  • Top-rated and top-selling provider on Squaremouth
  • Plans underwritten by Berkshire Hathaway, Starr Insurance, and Spinnaker Insurance Co
  • Named ‘Best Value Travel Insurance’ Provider by USA Today

Tin Leg has earned national recognition for its innovative policies, award-winning customer service, and generous coverage limits. They were recently named the ‘Best Value Travel Insurance Provider’ by USA Today, and Tin Leg’s policies were highlighted for their pricing and coverage limits. With nine different policies available, there are options to choose from for most budgets and trip itineraries.

All Tin Leg policies are comprehensive and offer well-rounded benefits that offer coverage for most travel disruptions. Many of their plans offer more than $100,000 in Emergency Medical coverage, as well as strong protection against cancellations, delays, and baggage loss. Tin Leg also offers policies created for specific trip types, such as Adventure, which offers strong Medical Evacuation coverage and coverage for a wide range of sports and activities.

Tin Leg is known for keeping a strong pulse on the travel industry and continues to enhance its policies to best meet the needs of today’s customers. Aside from being one of the highest-selling providers on Squaremouth, Tin Leg has also earned a customer rating of 4.6 out of 5 stars, making it one of the highest-rated providers on the platform, too.

This provider summary was written internally by a Squaremouth policy expert.

About Tin Leg

Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

Tin Leg’s policies have been highlighted by Forbes, Business Insider, and other global publications for their coverage, benefits, and pricing. Most recently, Tin Leg was listed as the Best Value Travel Insurance Provider of 2023 by USA Today, receiving recognition for affordability and traveler protection.

Tin Leg’s award-winning customer service department, dedicated 24-hour emergency support, and revolutionary claims process have established the company as a trusted leader in the travel insurance industry. Tin Leg’s products are underwritten by Berkshire Hathaway Specialty Insurance Company, Starr Indemnity & Liability Company, and Spinnaker Insurance Company.

Tin Leg

Overall Rating 4.55
  • 5 stars
    3249
  • 4 stars
    764
  • 3 stars
    261
  • 2 stars
    98
  • 1 star  
    77

260,649
policies sold

0.1%
negative reviews

0.1% (175) negative reviews to sales
Average on Squaremouth is 0.2%

USA Today’s Pick for Best Value

Tin Leg ranked as USA Today’s best-value travel insurance provider of 2024.

USA Today credited Tin Leg’s Gold and Adventure policies as the best-priced policies for the level of coverage included.

Read more

Policies Offered by Tin Leg


Economy

Policy Description:

Tin Leg’s Economy policy provides cost-effective protection that covers the most common concerns of travelers.

Tin Leg Economy includes basic cancellation coverage, including 100% reimbursement for cancellations or interruptions caused by medical complications or inclement weather. It also comes with medical coverage in case of an emergency during the trip.

Additional benefits that come standard with this policy include Travel Delay, Baggage Delay, and Baggage Loss.

Underwritten By: Berkshire Hathaway Specialty Insurance Company

Underwritten Location: 1314 Douglas Street, Suite 1400 Omaha, NE 68102-1944

AM Best #: 00864

AM Best Rating: A++ (Superior)


Standard

Policy Description:

Tin Leg’s Standard policy is designed for travelers looking for extensive cancellation coverage and high medical benefits.

Tin Leg Standard includes cancellation coverage for the most common concerns, including medical reasons, terrorism, and severe weather. It also covers up to 150% of a traveler’s trip costs under Trip Interruption.

Tin Leg Standard’s medical coverage includes Emergency Medical and Medical Evacuation coverage, as well as Pre-Existing Condition coverage if purchased within 15 days of booking the trip.

Additional benefits, such as Travel Delay, Baggage Delay, and Baggage Loss, are included with this policy.

Underwritten By: Berkshire Hathaway Specialty Insurance Company

Underwritten Location: 1314 Douglas Street, Suite 1400 Omaha, NE 68102-1944

AM Best #: 00864

AM Best Rating: A++ (Superior)


Luxury

Policy Description:

Tin Leg’s Luxury product is ideal for travelers who want the most comprehensive Trip Cancellation benefits, as well as high Primary Emergency Medical and Travel Delay benefits.

Tin Leg Luxury includes cancellation coverage for the most common traveler concerns, including cancellation for medical reasons and terrorism. It also boasts impressive cancellation coverage for inclement weather, with no minimum weather delay before cancellation can be claimed.

Tin Leg Luxury includes high Primary Medical and Medical Evacuation benefits, with optional upgrades available, as well as coverage for Pre-Existing conditions if purchased within 15 days of booking the trip.

Additional benefits, including Travel Delay, Baggage Delay, Baggage Loss and Missed Connection, come standard with this policy.

Underwritten By: Berkshire Hathaway Specialty Insurance Company

Underwritten Location: 1314 Douglas Street, Suite 1400 Omaha, NE 68102-1944

AM Best #: 00864

AM Best Rating: A++ (Superior)


Adventure

Policy Description:

Tin Leg’s Adventure policy was built with active travelers in mind, offering high medical coverage and comprehensive sports and activities benefits.

Tin Leg Adventure offers $100,000 in Emergency Medical coverage, and $1 million in Medical Evacuation coverage. The medical benefits within this policy can extend to travelers who are injured during sports and activities that are excluded by many other travel insurance policies, such as contact sports, mountain climbing, jet skiing, and snowboarding, among others.

Tin Leg Adventure also offers Trip Cancellation coverage for the most common traveler concerns, including cancellations for medical reasons, weather, and terrorism. In addition to covering unused trip expenses, such as airfare, hotel accommodations, and tours, this policy can also refund unused sports equipment and fees, including lift tickets, green fees, and equipment rentals.

Other benefits, including Travel Delay, Missed Connection, Baggage Delay, and Baggage Loss, are also offered within this policy.

Underwritten By: Berkshire Hathaway Specialty Insurance Company

Underwritten Location: 1314 Douglas Street, Suite 1400 Omaha, NE 68102-1944

AM Best #: 00864

AM Best Rating: A++ (Superior)


Gold

Policy Description:

Tin Leg’s Gold policy is built for travelers who are looking for high medical benefits and comprehensive cancellation coverage.

Tin Leg Gold includes $500,000 in Primary Emergency Medical coverage, in addition to $500,000 in Medical Evacuation coverage. Travelers who purchase this policy within 14 days of booking their trip and insure their full trip cost will also be covered for Pre-Existing Conditions.

Tin Leg Gold also offers cancellation coverage for the most common traveler concerns, including cancellation for medical reasons, inclement weather, and terrorism. Cancel For Any Reason is also available as an optional upgrade within this policy.

Additional benefits that are included within this policy are Travel Delay, Missed Connection, Baggage Delay, Baggage & Personal Items Loss, and Accidental Death & Dismemberment.

Underwritten By: Starr Indemnity & Liability Company

Underwritten Location: 399 Park Avenue, New York, NY 10022

AM Best #: 013853

AM Best Rating: A (Excellent)


Basic

Policy Description:

Tin Leg Basic is designed to provide travelers with all major travel insurance benefits at a competitive price.

This plan’s conservative benefit limits are adequate for most travelers and keep the premium affordable, offering up to $10,000 in Trip Cancellation coverage and $25,000 in Emergency Medical coverage. Additional coverage is available for Pre-Existing Conditions, as well as Baggage Loss, Travel Delays and Accidental Death.

Underwritten By: Spinnaker Insurance Company

Underwritten Location: One Pluckemin Way Suite 102, Bedminster, NJ 07921

AM Best #: 022321

AM Best Rating: A- (Excellent)


Platinum

Policy Description:

Tin Leg Platinum is a mid-level plan that can be ideal for larger families, or individual travelers taking longer trips.

Available for travel up to 90 days, this plan covers up to $20,000 in Trip Cancellation coverage and includes high Emergency Medical and Medical Evacuation benefits of $100,000 and $500,000, respectively. This plan is also suitable for those traveling with valuable belongings, boasting a Baggage benefit limit of $500.

Underwritten By: Spinnaker Insurance Company

Underwritten Location: One Pluckemin Way Suite 102, Bedminster, NJ 07921

AM Best #: 022321

AM Best Rating: A- (Excellent)


Silver

Policy Description:

Tin Leg Silver is built for travelers who are looking for comprehensive cancellation coverage and high medical benefits, with extensive Trip Delay coverage.

Tin Leg Silver includes cancellation benefits for the most prevalent traveler concerns, including cancellation for medical reasons and inclement weather. Travelers also have the option to purchase the Cancel For Any Reason upgrade.

In addition to comprehensive cancellation benefits, Tin Leg Silver includes $250,000 in Emergency Medical coverage and $1,000,000 in Medical Evacuation coverage. Travelers who buy this coverage within 15 days of their initial trip deposit date have the option to upgrade to Primary medical coverage.

Tin Leg Silver was created with extensive Trip Delay coverage in the event of a quarantine. This plan offers $2,000 per person in Trip Delay coverage after a 6 hour delay.

Additional benefits, such as Baggage Delay, Baggage Loss, and Missed Connection, also come standard with this policy.

Underwritten By: Starr Indemnity & Liability Company

Underwritten Location: 399 Park Avenue, New York, NY 10022

AM Best #: 013853

AM Best Rating: A (Excellent)

Verified Customer Reviews

  • 4,449 Reviews Since 2014

  • Rating 5 out of 5
    Policy:
    Gold
    Review Received:
    February 8, 2025
    Bron from ID Verified Squaremouth Customer

    Great customer service thus far. I was injured during a cruise on Sunday, January 26, in St. Lucia. I contacted customer service that night for answers about coverage and about medical assistance etc. I was given information and a number to Contact to submit my claim for reimbursement of medical expenses and losses at a future time. I was also given a 24 hour assistance number in case that was needed as well.I am hopeful that Tin Leg will take care of that expeditiously. At this point I have no reason to believe they won’t. I have not submitted the claim or information however, primarily because I am waiting for a doctors report.

    Was this review helpful to you?

    0 out of 1 people found this review helpful

  • Rating 5 out of 5
    Policy:
    Gold
    Review Received:
    February 8, 2025
    Janet from FL Verified Squaremouth Customer

    I have used Tin Leg a number of times and have not had to use the insurance. This time I did have to cancel my trip and was able to supply all the information needed to make a successful claim. The filing was very straightforward. A check list of needed supporting documentaion was provided. It was easy to upload the documents. The claim was processed quickly as soon as all documents were submitted. I will continue to use Tin Leg as my insurance source in the future. Thank You!

    Was this review helpful to you?

    1 out of 1 people found this review helpful

  • Rating 4 out of 5
    Policy:
    Platinum
    Review Received:
    February 8, 2025
    Julpha from CA Verified Squaremouth Customer

    I travel a lot but this is my 1st time with travel insurance, every trip I include travel care plan with my plane ticket purchase but not this trip, my son wasn’t able to come to our trip to Vietnam coz he had bad stomach ache a night before flight from Dipolog to
    Manila, it was supposed to be a family trip with my children to Vietnam but sadly he couldn’t make it or else It would be a real disaster, I called Expedia to let them know but since I didn’t purchase care plan so they couldn’t help me, and I did call square mount insurance to let them know, to make it short I did file for a claim for my son behalf, already email our original ticket from LAX, and my sons plane ticket Dipolog manila Vietnam RT, still waiting for reply, we’ll see if it would be of help for traveler!

    Response From:
    Tin Leg
    Tin Leg:
    Chrissy Valdez
    Response Received:
    February 11, 2025

    Thank you for sharing your experience and for choosing Squaremouth. We understand the disappointment of having to cancel part of a family trip, especially due to illness. We're sorry to hear your son wasn't able to join you in Vietnam.

    We've notified our claims team to be on the lookout for your claim and expedite its processing. They will review the documentation you've provided, including the original tickets and your son's flight information. They will be in touch with you soon regarding the next steps.

    We appreciate you giving us the opportunity to assist you. As this was your first experience with travel insurance, we'd love to hear your feedback on the purchase process. What could we have done differently during your initial interaction with Squaremouth to earn a 5-star rating? Your insights will help us improve our service for other travelers.

    Was this review helpful to you?

    2 out of 2 people found this review helpful
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All reviews are from Tin Leg customers

Contact Information for Tin Leg

For Use With These Policies: Adventure, Luxury, Standard, Economy, Basic, Platinum

Customer Service:
844-240-1233
Hours of Operation:

8:00am - 10:00pm ET, 7 days a week

Claims Phone:
844-240-1233 (toll-free)
Claims Hours of Operation:

Monday through Friday from 8:00am to 4:00pm ET

Mail to:
Tin Leg
c/o Tin Leg Claims
4604 49th Street N, Suite 1465
St Petersburg, Florida 33709
Emergency Assistance:
Inside USA 844-927-9265
Outside USA +1 727-264-5657
Claims Email:
claims@tinleg.com
Fax: 1-888-860-7371
Provider Claims Website

For Use With These Policies: Gold, Silver

Customer Service:
844-240-1233
Hours of Operation:

8:00am - 10:00pm ET, 7 days a week

Claims Phone:
844-240-1233 (toll-free)
Claims Hours of Operation:

Monday through Friday from 8:00am to 4:00pm ET

Mail to:
Tin Leg
c/o Tin Leg Claims
4604 49th Street N, Suite 1465
St Petersburg, Florida 33709
Emergency Assistance:
Inside USA 844-927-9265
Outside USA +1 727-264-5657
Claims Email:
claims@tinleg.com
Fax: 1-888-860-7371
Provider Claims Website