Reviews, Sales, and Service Ratings for
Tin Leg

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.

Your coverage has been tailor made for us. We have used you for our last 2 trips - one to India of 6 weeks and 1 to Mexico for a week.

We don't need trip cancellation or any of that kind of insurance, we need great medical coverage, which you offer.

We will use you for our future trips around the globe.

I'll have feedback after my claim is reviewed.

In the end we were satisfied that the claim was paid unde the cancel for any reason provision of the policy. Claim agents were helpful.

Two issues:
1. Regular customer service hours are too limited--just business hours on weekdays. We had some specific questions about coverage over the weekend and had to wait for a definitive answer until Monday morning. We did try the 24 hour emergency number but were provided only limited and vague answers about coverage details. (We specifically needed to know exactly how the 3 day deadline for cancel for any reason was defined, since it is not clear in the policy language.)
2. Claim form we were provided by email was not the correct form, but the company accepted it anyway. We later found a more appropriate form on-line but did not submit that since the other one was already under way.

Overall it was a good experience and we recommend Tin Leg. Their prices are good and they have a 75% cancel for any reason option--many other insurers only provide a 50% policy.

I needed to change the starting date of our trip due to re-scheduling by our tour operator. I had no trouble having the change addressed through email. The update was handled quickly and I received an email noting the change. I did not need to speak with customer service.

Needed to contact Tin Leg customer service several times prior to the trip. They were prompt in getting back with us, informative, helpful and generally outstanding to work with. The trip went well, so we have no need to file a claim.

It was very easy to cover my insurance needs for travel through the Tin Leg website.

Had a 24 hour flight delay, submitted ALL required paper work to start claim and after 2 weeks of hearing nothing I called to see how we were progressing.
They put me on hold for 15 minutes and then proceeded to tell me they never received anything from me, funny I have a USPS receipt of delivery to their location 3 days after I mailed it. Re-sent the entire package again but this time to reduce the size ( 14 pages ) I made 2 sided copies ( 7 pages ) also got a USPS receipt of delivery to their location! Called again after 2 weeks to see the progress of my claim and they said they received it and it is in the system with the claims reviewers.
Nothing again for almost 3 weeks, called again placed on hold until they located someone who was handling the case, the said they have been trying to reach me because page 2,4,6,8,10,12 and 14 were missing. I told them to turn the pages over, Oh the person said this information is on my computer and they scan all claim information into the computer data base.and no longer have any paperwork. Looks like someone did not scan the back sides of the documents. Now this time I emailed the missing pages to the claims agent, finally they confirmed they had all the necessary documents.
Again 3 weeks passed and I had not heard anything. Made contact with claims, and they said that they were working on it.
This claim took from August 18th 2015 when I submitted it to Today December 15th 2015 when I finally got the 3rd of 3 checks. ( we had 3 travelers ) and they screwed that up too. Almost 16 weeks to process a claim for $333.00.
Communication on their side was non existent. They had all of my contact information, phone and email but they never contacted me once.
I would not recommend Tin Leg to handle your travel insurance needs.

Great experience with Tin Leg, since I had a claim to file, which was handled very nicely. I really appreciated being able to contact a person easily when calling, including being able to deal with the same person throughout the process. The person who handled the claim was very pleasant and helpful. The claim process on the internet was easy and clear. I will definitely use Tin Leg again when travelling, and have already been telling all my traveller friends about Tin Leg.

The website is very easy to use to compare available policies side-by-side. That is why I am a repeat customer.