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,
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.
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.
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
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.
Home was burglarized and came home early. Luckily, our trip plans were for 11 days and the burglary occurred within 10 days of departure (read the fine print). A claim for my husband and I was submitted 4 months ago. Tin Leg did not begin considering the claim until I called to check the status 2 1/2 months ago (they are supposed to pay quicker than that). My husband received a check 1 month ago with a deduction. Since then, I have been calling multiple times a week for my check and to dispute the deduction. Have heard such excuses as adjustor's absence is due to mother's cancer, Tin Leg did not receive claim for all services (poor excuse since I e-mailed my initial claim), claim adjustor was not responding to e-mails, the claim is ready to be released 2 weeks ago-still not released yet. They use the adjustor's lack of response as an excuse to not pay the claim and will not let me talk to the adjustor directly. I still have not received my check. When I bought the policy, I hoped that Tin Leg would be good purchase since it is affiliated with Square Mouth. However, I have received such a runaround I would not recommend 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.
I had to cancel a trip because of a family medical situation. The claim was handled promptly and professionally. I was very impressed with the customer service I received. My advice to anyone who may need to make a claim, make sure you have impeccable documentation of everything and you shouldn't have a problem.
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.
I filed a medical claim with Tin Leg in the amount of US$113.67 for an emergency medical visit at a clinic while my family was traveling in Canada. After filing all the paperwork, including getting the doctor's statement from Canada, Tin Leg sent me a reimbursement of $103.07 three weeks later. I called Tin Leg 3 times that I paid the medical bills in US funds: $65 cash to the doctor at the clinic and $48.67 in credit card charges for the medicine in the pharmacy, a total of $113.67. Each time a representative would take my information and promised to call back after consulting with the analyst. No one has called or emailed me. I'm extremely disappointed in the way Tin Leg has been handling this case. I'd like to ask if your office can help me with this problem. Thank you very much.
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