I had a policy with Tin Leg for a cruises. I needed to add additional coverage since I booked and earlier back to back cruise. I emailed Square Mouth and never got a reply. Because we were leaving in two weeks, I purchased travel insurance from the cruise line for the earlier trip. Fortunately, I did not have to file a claim with either companies.
I phoned your claims department for a possible claim, but the office was closed, even though I called mid-week during your regular business hours. Not certain that I will use your travel insurance again, since I could not contact your office.
I had an injury prior to my trip that required I cancel the trip entirely. Once I submitted all the forms and documents electronically, I received, in less than 3 weeks, written notification that my claim would be fully honored, and the refund check arrived in 25 days.
I originally purchased this insurance for my wife, myself and infant child before our trip to Chile. We were planning on staying with my in laws in Santiago for 2 and a half months. As nervous as I was about this excursion the last thing I wanted to worry about was health insurance. So I went on the website and found this company. After calling a customer service affiliate and asking questions I purchased this plan for only 60 dollars for 3 people. I was exstatic, what a good deal I thought.
That was the only good thing about this experience.
On arriving in Chile my whole family got sick in the first week. So I called seven corners to inquire how to pay the care cost. This is when I found out that they don't pay for you, you have to file a claim when everything is said and done to get your money back. I thought, okay no big deal I can do that. So 2 months go by and we each have a visit to the doctor.
Upon arrival back in the USA I file the claim as specified on the website. This is where the true fun begins. So after waiting about 4 weeks for a check I called to see if they had any updates. At that time they said they had sent one check for my claim and my son and wife's claim were still pending. I thought this was strange since we sent everything together. I informed them that my check hadn't arrived and the cs rep said to wait 2 more weeks and call back if it still never came.
So I waited the amount of time plus a week and in the mean time received an email saying I needed to update my address. I called again and updated my address and checked on the status of the other 2 claims. The cs rep told me the other claims were stuck and hadn't even been processed and that the check would be mailed out in 3-5 business days but could take 3 weeks.
So after another 4 weeks of waiting patiently I decide to call again. At this time they inform me that my check had not been issued yet and the 2 other claims still hadn't been processed. In total I have been waiting over 12 weeks for reimbursement and at this point I don't even know the status of all the claims. My dates of contact were: Feb 20 file claim
April 7 check on status of check
April 14 email for new address
May 25 call to see check and claim status (still not completed?
Today: still waiting for reimbursement.
So my review is 1 star. The people were nice, but if you want to have reimbursement nightmares buy the cheap insurance. You get what you pay for!
Purchase experience was easy, customer service helpful. Cost less than others quoted. Will recommend/use again.
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: 07/20/2016
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.
The information was easy to obtain and to understand. Value seemed good. Fortunately, we did not have ANY problems and will not need to make a claim. It was great to have the peace of mind though. Would purchase coverage through Squaremouth and from this provider again.
I will be sending the information about my claim as soon as I have everything together
I bought it. I didn't need to use it. Yay!
Have not yet processed, don't know how it will got. Awaiting additional documents from my agent.
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