Tin Leg Travel Insurance

What is Tin Leg?

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

At Squaremouth, we are uniquely positioned to understand what travelers need and want when it comes to insurance. That’s why, in 2014, we developed Tin Leg Travel Insurance.

Tin Leg was designed to address the most common traveler concerns and provide coverage that meets and exceeds policies available elsewhere. We built Tin Leg to provide robust coverage at affordable prices and give travelers many options for customizable plans.

As a result, these plans have quickly become some of the top-chosen policies on Squaremouth. Given the wide variety of options available, most travelers should be able to find a Tin Leg policy that fits their needs.

To date, Tin Leg has served over 28,000 travelers and has some of the highest customer satisfaction ratings of any provider on our site.

Is Tin Leg Travel Insurance Any Good?

With a 4.5-star customer rating, customers praise Tin Leg for friendly service and a hassle-free claims process. Ten Leg claims are directly processed through Squaremouth, which is accredited with the Better Business Bureau and holds an A+ rating.

Tin Leg is consistently cited by media and industry players for its high coverage limits versus its overall relatively low cost, and was named Best Value Travel Insurance Provider by USA Today.

Underwritten by top-rated insurers like Berkshire Hathaway, Spinnaker, and Starr Insurance, Tin Leg holds an A++ AM Best rating, which is the highest possible score for financial stability.

Our Take:
Tin Leg is known for its numerous plan options and generous coverage limits. It is designed to provide specialized coverage for various types of trips and traveler demographics and focuses on offering benefits and coverage levels you actually need (and not the ones you don’t).

By designing plans around the most important types of trip coverage, this provider is able to offer some of the best value for the money of any provider on the market.

Our recommended plan is Tin Leg Gold. It has been the top-selling policy on Squaremouth’s marketplace for two years in a row, thanks to its high coverage limits and affordable pricing. It’s well-suited as an international travel insurance plan or a domestic plan.

Tin Leg Travel Insurance Reviews & Ratings

Tin Leg has some of the highest customer satisfaction ratings of any provider on the Squaremouth marketplace.

Overall, customers give Tin Leg 4.5 stars, but the table below shows how customers rated the provider’s customer service during each part of their trip.

Customers rate Tin Leg’s customer service highly across the board, but it’s especially highly rated for its pre-trip customer support. However, it’s important to note that ratings for the provider’s mid-travel support and claims support are comparatively high versus ratings from other providers.

These two areas are arguably the most important for you when traveling, as getting access to emergency support and quick reimbursements are high priority.

That said, some customers highlight that this provider’s claims department is strict with requiring adequate documentation. While this is not uncommon with insurance providers, it’s important to consider this when purchasing travel insurance and ensure you keep proper documentation of all expenses for the claims process.

Have a look at what real customers think about Tin Leg:

Tin Leg Travel Insurance Pros & Cons

Of the many plans available through Tin Leg, all of them offer cancellation for medical reasons, which is one of the most common needs among travelers.

All of these plans also offer high medical evacuation limits, which automatically makes them suitable plans for trips abroad, and all meet our minimum threshold of $100,000 of medevac coverage.

Tin Leg’s premium plans also offer some of the highest medical and medevac limits on the market, topping out at $500,000 and $1,000,000, respectively.

Cancel for Any Reason coverage is also available on most Tin Leg policies, and nearly every policy is designed to be able to cover pre-existing medical conditions (when you meet the waiver criteria), which is commonly excluded by most other insurers.

It’s important to note that although Tin Leg offers lower-than-average limits for both trip delay and baggage coverage, these limits are based on the average claim amount for most travelers. Therefore, although these may not be enough to cover all travelers, they are designed to cover most travelers.

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

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Compare Tin Leg Travel Insurance Plans & Coverage

As mentioned, Tin Leg offers 9 plans to choose from.

Plans with lower medical limits are better suited for domestic travel or as supplementary policies to existing coverage.

Tin Leg also offers an optional add-on of 24-hour accidental death in dismemberment coverage that can be combined with any policy to enhance overall coverage. This is a form of life insurance that can pay out if you’re fatally injured or dismembered while traveling.

Which Tin Leg Plan is Best?

All of these plans are great options and suit different needs for various trip types.

That said, here is a look at the most popular Tin Leg policies and who each may be right for.

Tin Leg Gold & Tin Leg Luxury

If you are traveling internationally or planning an expensive trip, consider Tin Leg Gold and Tin Leg Luxury, which are the provider’s most popular policies.

Both plans offer primary medical coverage, which can speed up the claims process for quicker reimbursement, as well as 100% trip cancellation and 150% trip interruption reimbursement. These plans also offer high emergency medical and medical evacuation coverage built for international trips abroad.

For father trips, consider the Gold plan, as it has higher medical and medevac coverage at $500,000 for both. These plans also offer optional CFAR coverage and can cover pre-existing conditions. This makes them great options for senior travelers as well. The Luxury plan has higher travel delay coverage and offers options for rental car coverage, making it ideal if you plan to rent a car while traveling or are concerned about possible delays.

Tin Leg Standard

If you are planning to travel domestically, you may not need the same high coverage limits offered by the Gold and Luxury plans.

Tin Leg Standard is the provider’s third most sold policy and offers the same 100% cancellation and 150% interruption coverage, but lower medical limits at $30,000 of secondary coverage. This should be enough for most Americans who have primary health insurance coverage in place within the United States. Travel delay limits are also in line with domestic travel costs at a maximum of $500 per claim.

Tin Leg Adventure

If you plan to take part in sports activities or high-risk adventure travel, consider Tin Leg Adventure. This policy is designed to offer coverage for over 300 different types of sports, which are commonly excluded by other travel insurance companies.

This policy offers the same great trip cancellation and interruption benefits as the others, but offers some of the highest emergency medical evacuation limits in the industry, at a whopping $1,000,000\. This can pay for transporting you to the nearest suitable medical facility in an emergency. It also offers the highest baggage and sports gear coverage of all Tin Leg policies to ensure your sports equipment is also covered on your adventure.

Tin Leg Cruise

Tin Leg Cruise was especially designed to cover the most important benefits needed for cruise vacations. Despite its name, it can also cover other types of trips.

This policy offers the highest missed connection coverage, which can help you if you miss your cruise ship or a connecting flight. It’s also built to cover you for issues arising from hurricanes and inclement weather. The emergency medical and evacuation coverage limits are enough to ensure you can reach adequate medical care, whether on land or out at sea.

Since most cruise lines only offer vouchers for cruise cancellations, this plan also comes with the same 100% trip cancellation and 150% trip reimbursement benefits to ensure you can opt for a full refund if you are forced to cancel your cruise for a covered reason.

Compare All Plan Details

Tin Leg Travel Insurance vs Competitors

How Much is Tin Leg Travel Insurance?

In terms of price, Tin Leg policies are competitive both for medical-only plans and comprehensive plans.

The chat above shows that Medical-only policies from Tin Leg rank as some of the most affordable options versus other providers on our marketplace.

It ranks as the 5th most affordable for medical-only travel insurance. It’s important to note that these plans also offer strong medical and medevac protections versus other providers, which speaks to strong value for the money.

As seen in the chart above, Tin Leg’s Comprehensive policies rank around the middle in terms of average cost versus other providers on Squaremouth.

Once again, when weighing cost versus benefits received, however, you can quickly see that several of Tin Leg’s comprehensive plans offer higher coverage levels in the most important categories like medical, medevac, trip cancellation, and interruption coverage while remaining lower in cost than many competitors.

Plan Features
Overall Coverage	Comprehensive high limits for medical and trip interruption	Broad coverage, with options for customization
Cost	Competitive pricing, especially for comprehensive plans	Moderate pricing with flexible plan options
Customer Rating	4.5 Very Good 5,114 Reviews	4.5 Very Good 208 Reviews
AM Best Rating	A++ (Superior)	A (Excellent)
Unique Benefits	Layoff and work reason cancellation, financial default coverage	Sporting equipment coverage
Insurance Partners	Backed by Berkshire Hathaway Specialty Insurance Company, Starr Indemnity & Liability Company, and Spinnaker Insurance Company.	Backed by BCS Insurance Company and Jefferson Insurance Company.

Is Tin Leg Worth It?

Tin Leg is a great option if you are looking for thoughtfully curated plans and a multitude of options to get customized coverage. If you are looking for travel insurance on a budget, Tin Leg could be a good option as its plans offer a strong value for the money, thanks to high coverage limits and lower overall prices.

Since this provider offers 9 different plans to choose from, it should be easy to find a policy that is well-suited to your needs. The optional coverage options, like accidental death add-on, rental car coverage, pre-existing conditions coverage, and CFAR coverage make these plans some of the more flexible and customizable policies on the market.

Some customers complain about how strict the claims team is, but others highlight how quick the claims reimbursement process was. Ultimately, when buying Tin Leg, it’s important to remember to be diligent with the claims process and document everything.

Alternatives to Tin Leg

Berkshire Hathaway

Berkshire Hathaway is a solid option for domestic travelers and families looking for affordable coverage. Kids can be covered for free on some plans, and the provider is well known for having a flexible claims process.

Travel Insured International

This provider offers similar coverage limits and flexible coverage options. It is also well-suited for families as it can cover kids under 18 for free on some plans.

Seven Corners

This provider offers similar coverage limits to Tin Leg’s popular Gold plan. It also offers coverage to elderly travelers up to the age of 100, making it a great alternative for seniors or people looking for high coverage limits.

FAQs: Tin Leg Travel Insurance

Is Tin Leg a Good Fit for Senior Travelers?

Tin Leg is a great option for senior travelers up to the age of 75 and can cover common concerns like pre-existing conditions and canceling for any reason when you qualify for these coverages.

Does Tin Leg Cover Pre-existing Conditions?

Yes, all Tin Leg policies, except for the Economy plan and the AD&D policy add-on, can cover pre-existing conditions when you meet the waiver criteria. Most plans from this provider require you to purchase your policy within 14-15 days of your initial deposit to qualify for this coverage.

Does Tin Leg Offer CFAR Coverage?

Yes, Tin Leg offers optional Cancel For Any Reason coverage on 5 of its 9 policies. These are optional upgrades and require you to meet the purchase deadline to qualify for this type of coverage.

How Do I File a Claim With Tin Leg?

You can file a Tin Leg claim online or by phone at 844-240-1233, 8:00AM – 4:00PM EST. The company aims to respond to claims within seven business days. You can find the complete Tin Leg contact information below.