So far our experience with Tin Lag has been positive. Reporting the accident when pretty smoothly. The only hiccup was I had to call a second time after I did not receive the email with the claim forms and instructions after may first call. After the second call everything came in a very short time. I assume that the hospital in Switzerland and Tin Leg must have talked with each other, because the only thing my brother had to pay for when he was discharged was a phone call.Which was about 50 cents. My brother will be submitting a claim for his visits to the clinic(Swiss law requires that the clinic bill be settled at time of service). We will see how that goes. As long as that part goes as as smooth as the hospital part went(assuming we don't have to deal with the hospital again), we have no complaints about Tin Leg or the policy,
My trip was cancelled due to winter storms. Tin Leg refunded my premium with no penalty. My request was processed quickly and effortlessly by email.
4 stars rather than 5 only because it was a little hard to get the process going. Our son, who lives in Beijing, actually did major duty at getting things going and keeping up with Tin Leg so I could focus on my husband. Once we got connected with the right person at Tin Leg things went well and the company covered the medical costs we incurred as a result of my husband's accident and head injury. The Tin Leg contact person had to keep checking with someone else to get payments approved,(which delayed things slightly) but medical costs incurred were ultimately approved and that did relieve a lot of stress.
Tin Leg did a nice job of getting us back to the US with an escort for my husband. The company approved a travel itinerary which allowed my husband to recline the entire trip. The escort (a former para-medic) was very knowledgeable about travel with someone who was still not up to par. He really made the return trip possible. We would otherwise have been delayed in Beijing far longer..
Yes, we would recommend the policy to other travelers.
I had to cancel my cruise for medical reasons. I and my doctor filled out the claim forms. I expected a lengthy process and was surprised how quickly My claim was processed. My check was sent 6 days after they received my claim. I have 3 more policies with Tinleg for future cruises and hopefully never have to file a claim again. I would highly recommend Tinleg.
Recently, prior to making a Tin Leg claim I recommended it to two couples who have purchased policies. Over nearly two years I have suggested that people look at Squaremouth. Several have and ended up buying policies.
Depending on the outcome of our claim will determine whether I would make further recommendations.
My initial contact with Tin Leg learning how to file a claim has been positive. Our claim is due to illness forcing us to cancel Myanmar trip. Wait and see.
Review Updated: 04/08/2015
I submitted a claim on March 16th and received a response from Tin Leg on March 27th. I am very pleased with their rapid response. I am receiving checks covering our Myanmar tour interruption due to illness.
They have asked for additional documentation for the rebooking of our flight from Sinagpore to come San Francisco early. I am waiting their response.
I greatly appreciate that Squaremouth contacted me asking initially whether I was submitting a claim then following up to see if Tin Leg is fulfilling terms of the travel policy.
I have referred three other couples to Tin Leg and Squaremouth.
Policy was poorly written, my calls to the 24 hour hotline were not returned, claims submission forms were unintelligible, and part of my claim was only partially reimbursed. I will never purchase a policy from TIn Leg again.
Thank you for taking the time to submit a review of Tin Leg.
I apologize for the frustration this has caused you.
We reviewed your claim and discovered you incurred a trip interruption due to a pilot strike.
Unfortunately, we were unable to provide a payment under the trip interruption benefit because your policy did not include cancellation or interruption coverage due to strike.
However, we were able to provide a partial payment of $150 under the trip delay benefit. The trip delay benefit provides a maximum of $150 reimbursement for any common carrier delay if the delay is for 6 hours or more.
Again, please accept my apologies for your negative experience and for the frustration this caused you.
Squaremouth has contacted this customer to discuss their claim and remind them of our Zero Complaint Guarantee.
When I bought the insurance, the policy said it included travel delay. About a week or two before we left for our trip the airline changed the time of one of the legs of our flight. The leg they changed gave us 2hrs instead of 3hrs to get through customs, recheck our luggage and go back through security. The airlines said it wouldn’t be a problem. Well it was a problem. Our flight came into Miami from London on time, but getting through customs took almost 2 hours. When we got to the counter to check our bags they said we missed the flight so we had to go stand in another 2-hour line for them to get us on another flight. The next flight wasn’t until 2 p.m. the next day. The airline was unwilling to provide any assistance. After calling about my insurance policy they said I didn’t have a claim, because the type of delay I experienced was not covered. I guess once a company gets my money they don’t feel they have to fulfill any obligations they have to me. I was delay by no fault of my own, but yet I am out almost $400 in hotel and meals in the airport plus a lot of aggravation and commitments I missed getting home a day late. Plus, my parents who also had your insurance experienced the same loss and aggravation.
Thank you for taking the time to submit a review of your experience.
I apologize for your negative experience and I understand it is frustrating when you do not receive the outcome you expected.
Unfortunately, missing your flight due to a delay with customs is not considered a common carrier delay and is not covered under the trip delay benefit. We are not aware of any travel insurance policy in the industry that would provide coverage for this reason.
Trip delay provides reimbursement for expenses related to a covered delay, such as inclement weather, mechanical issues, etc.
I am sorry we were not able to provide you with a favorable outcome.
Please contact me directly at 727-431-6591 if you have any questions. I am happy to help.
Again, thank you for providing us with a review of Tin Leg.
I have submitted a claim (within the last couple of days) but I have not heard back from Tin Leg as of yet.
Thank you for taking the time to submit a review.
I apologize you did not receive confirmation your claims documents were received. A claims analyst will typically contact you within 5 - 7 business days of receiving your documentation.
Since your review, a claims analyst has contacted you and confirmed that your documentation was received and your claim is being processed.
The claims department is available to answer your questions or provide an update to your claim weekdays from 9am - 5pm EST. You may reach us at 866-887-7105. We are delighted to help.
Again please accept our apologies for our delayed response.
Thank you for taking the time to review Tin Leg.
Upon arriving at one of several destinations scheduled during my trip, I realized I was in urgent need of a doctor's care. While waiting for my rental car, I called the Customer Service number to determine how to proceed. The agent was extremely helpful and expressed genuine sympathy toward my condition - I could barely speak at that point. She asked me to hold for a moment while she checked my policy. When she came back on the line, and it was just a moment, she told me my policy would cover whatever care I needed and that a claim form would be sent to my email for reimbursement.. She asked if she could help in any other way, and closed the call with, "I hope you feel better soon and can enjoy the rest of your trip."
As a result of my experience, I would highly recommend Tin Leg to any traveler and, in fact, already have. I plan on using the company every time I travel. When you've found the best, no need to keep searching. Thank you for an exceptional experience! Cynthia
We filed a claim for emergency medical for both my husband and I while we were in China. While the original claim was processed in a reasonable amount of time, the amount we received for our claim was just over $180 for over a $1750.00 claim. We had to process more paperwork for an appeal and wait again. Finally, an agent from Seven Corners called and we discussed the difference in the claim. She kept insisting that we had received the correct amount for our claim and they had used a conversion rate of .01111 something. The conversion rate we used while we were in China was something like 6.5555 or something like that. She kept insisting that we had received the correct amount and finally said the "Japanese Yen" converted to ..... at that point, I told her we were in CHINA and the conversion was for a "Chinese Yuan"!! That is where our insurance policy was issued for. If she had not mentioned Japanese, I doubt that the issued would have ever been resolved and I would have been out about $1550 for my valid claim. A check is in the mail now (I hope), but I was not happy with the entire situation and the many months to get our claim processed.
Thank you for taking the time to post a review.
We apologize for your negative experience.
I confirmed with the claims department that there was an error during the conversion process and additional payment was sent out on 1/04/2016.
Again, we sincerely apologize for our error and we appreciate your feedback.
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