I needed stitches while traveling. The cruise ship covered it, but I had been in contact via e-mail with Tin Leg customer service. They responded within thirty-six hours and let me know what to do, if the cruise ship didn't pay for it. I felt comfortable that if I had needed to fie a claim, they would have taken care of it.
I needed to change the dates of our trip twice, and that was facilitated easily and quickly.
My complaint is with Tin Leg and Seven Corners. I had a trip delay which was not accepted because delays have to be caused by a common carrier. Tin Leg's Schedule of Benefits shows a Trip Delay being a minimum of 6 hours delay. Because we missed our flight because of a accident to the airport this was not covered. This is a typical insurance scam, don't pay and see what happens. Because the loss to me was missing one night at Secrets in Cancun, $606.39 in does not pay to use my lawyer, but small claims court might be the answer.
Tin Leg Offered a good policy at an attractive rate. easy online purchase experience.
However, forms to file a claim were not always clear.
I dropped off the claim forms because I live near your office. when I didn't hear back, i called after 10 days and was told there was "no record" of receiving my claim. Rep said she would "search manually" and then called to say she located it.
Claim was paid after considerable delay and because the airline fully refunded our fares, Tin Leg actually had to cover only half of the nonrefundable total which i had insured.
your time line for payment should be shorter and consistent with the 3 week time period your documents note.
Have never heard about disposition of claim.
Company service is slow, which is why I'm still waiting to hear appeal on my claim, which they initially denied, for a rather bogus reason, imo.
It's a huge pain to get thru on the phones -- I've been disconnected at first almost every time I call -- but they are extremely slow to respond to email. And then the response, after several days is usually some auto reply.
What I've been told over the phone by agents is contradictory. Whether they approve my claim or not, I'd say stay away from this company. Filing and appealing a claim is an incredible, frustrating, time-consuming pain.
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.
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.
First time I made a travel insurance claim. This was for an emergency hospital visit in Lucerne. I provided all the information I could think of, but I still thought the claims dept would require more. Not the case. They approved and closed the case much quicker than I expected and with absolutely no fuss or hassle.
Excellent choice of carriers, excellent service far beyond my expectations.
Very long to pay claim + their support people do not follow through ... Very poor
Tried contacting Tin Leg numerous times with the number they provided on our policy. Each time we got a voicemail. Always called during normal business hours as listed on policy, but they were never available. Even tried calling the 24 hour emergency response line and got nothing. Left a voicemail regarding a lost wedding ring and whether or not the policy would cover it, and we never got a response. Even if it's not covered, we warranted a response to our voicemail.
I would not recommend this insurance company based on the fact that their business hours listed are wrong, and/or the number they provided me was false. I intend to follow up with someone about this, but unfortunately have no way of doing so.
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