It took me a lot of effort and continuous contact with Tin Leg
to finally get the claim processed and met, even with all the information submitted by me and received by them.
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.
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.
Filed claim 9-11-15. Followed up 9-30-15 when did not get notification that it had been received. Spoke to Amanda and was told claim was there and in review should hear in 2-3 weeks. It is now almost 4 weeks later and have not heard from anyone except for this request to review the quality of your service. Irma Mottley
We had our baggage lost for six days going and 1 piece lost for 1 day returning. We went to Papua New Guinea and had to travel 4+ hours to retrieve our luggage on not very nice conditions and all they reimbursed us was $19.02 the actual money outlaid to travel to get our luggage. Not any reimbursement for doing without our things for 6 days or the time it took to retrieve them.
I was very dissapointed and would not use this insurance company again or recommend them to anyone else!!!!!
Have never heard about disposition of claim.
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.
My luggage was delayed on my return flight. I called customer service to file a complaint and was told I wasn't covered for return journey as I should already have clothes at home. I told them I am moving to the country I was just in in a few week and left all my stuff there except what was in my suitcase. After a while on the phone they said I could buy a shirt and pair of pants and they would reimburse me. Spend very long time filling out paper work, waited weeks for a reply only to be told they wont cover the cost. Even thought they assured me on the phone when I called that they would. I would not have bothered wasting to much time to file the claim if they would have told me the truth in the beginning.
No point using them if you may need to file a claim!
I was absolutely impressed with how Tin Leg handled my claim. My health insurance, Health Net, has yet to produce an EOB for the health portion of my claim submitted to them shortly after returning home from our trip. After five months of haggling with them, I finally called Customer Service at Tin Leg to let them know the situation. I was told to go ahead and file my claim with Tin Leg so they could expedite the review process when I did finally receive the EOB from Health Net. I submitted all of the information with a detailed cover letter explaining what had happened on vacation and the situation with Health Net. I then traveled out of the country for three weeks figuring I'd follow up with Health Net yet again when I returned home. (By the way, we had Tin Leg coverage of this most recent trip too.) Of course there was nothing from Health Net three weeks later, but I was pleasantly surprised to find two settlement checks from Tin Leg fully covering the claim. I was so relieved both by receiving the settlement and not having to continue to deal with Health Net. It was very gratifying to have Tin Leg follow through on the insurance we had purchased. We have used Tin Leg on two other trips without incident, but knowing that Tin Leg "had our backs" when we most needed it, ensures we will not hesitate to use their insurance coverage again and highly recommend them to others. Thank you for your great coverage and excellent customer service.
The only reason I did not give Tin Lag a five star rating in one of the categories was because I found the process of adding to our premium monthly a bit cumbersome. We purchased our travel package on a no-interest monthly payment plan and as such needed to increase the Tin Leg coverage each time we paid a travel premium. Since we knew the total cost we'd end up paying, it would have been nice if there was a more automated way for Tin Leg to increment the premium each month.
Thank you again for everything you did for us. We will definitely use Tin Leg coverage again and will recommend Tin Leg to others.
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