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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.
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
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.
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,
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.
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.
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.
Our trip was delayed for medical reasons which added $2,000 in airline fare. Our claim was rejected on dubious grounds. If we had canceled the trip (which we considered), we would have been refunded $15,000. Tin Leg should have refunded us the $2,000.
Tin Leg was also dishonest. When I called on Feb 4, I was told by Rachel that a decision will be made in a week. Today, Feb 9, I received a letter dated Jan 30 rejecting our claim.
We would never recommend Tin Leg.
We purchased a policy with Tin Leg (TLE13-100277) to cover our trip from Chicago to Costa Rica. Our itinerary required us to make a connecting flight in Houston both ways.
My wife came down with intestinal cramps and diarrhea on the 4th day of our trip and had to be seen by a doctor
In addition to that on our return trip, bad weather in Houston delayed the departure of our plane from there by about 6 hours. This caused us to miss the last connecting flight from Houston to Chicago and forced us to stay overnight there. We filed a claim for medical expenses and the cost of the hotel room.
We filed a claim on June 9th. As of this date (June 25th) we have not even had an acknowledgement that the claim has been received. We would not recommend this company to other travelers.
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.
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