The Squaremouth site provides a convenient and user friendly tool to compare the travel insurance policies of several different companies and select the appropriate coverage for the trip. We selected the Tin Leg Standard policy for our trip to South America. We had to cancel our trip due to medical reasons. When I contacted customer service to get assistance and instructions on filing a claim, the representative sent an e-mail stating that the claim forms were attached, but there was no attachment. I wrote back to her, again requesting the forms, and this time she sent the wrong forms (Seven Corners vs Tin Leg, although the forms seemed identical except for the logos). During a phone call to customer service, I was instructed to download and complete the proper Tin Leg forms. I completed the claim forms, sent the claim by registered mail, and received confirmation from the postal service that the claim was delivered on September 21. I received nothing from Tin Leg. In early October, I contacted customer service by e-mail and provided our change of address, as we were returning to our winter home in Arizona. I received an e-mail response advising that our claim had been updated with the address change. For the next 5 weeks I heard nothing from Tin Leg.....no request for more information, no status of the claim, nothing. It was very disconcerting to hear nothing for such a long period when dealing with what for us, was a very large amount of money and a straight forward claim. A simple, short e-mail advising that no additional information would be required and the claim was being processed would have been appreciated and appropriate. On November 6 a check for half of the claim amount arrived. It had been mailed to our old address and then was forwarded to our Arizona home. Three days later, a second check for the rest of the claim arrived, also forwarded from the old address. The EOBs attached to both checks state in the remarks section: "Letter has been sent under separate cover." It is a week later, and no letters have been received.
The comments above are not serious complaints, just my observations and concerns. It may be that in today's impersonal, digital way of doing business, customer service and keeping the customer informed are not a priority.
I haven't received a settlement or any information about my claim other than that they have received my paperwork.
Price was competitive and signing up was easy. Talked once with a representative who was very pleasant and helpful. Would use again!
Great customer service. Answered questions and provided information to all my questions on a one on one basis. Never had any question that if needed this company and it's personnel would be ready to provide assistance and transportation in a medical emergency. Very comforting experience, we will use them during our next extended travel.
I have submitted the paperwork and have been waiting for a call. I scheduled for a call last week but did not receive the call at scheduled time or at other tim. I am still waiting to get paid for the medical visit.
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!
I did not completely understand the policy limits vis a vis reimbursement of airline ticket costs and those could be explained better.
We had to cancel our trip because of my wife's illness and we filed a claim for which we received insufficient reimbursement of covered expenses; we are appealing the claim now and that is why it is not yet complete. I have been in touch today with Brandy Morse who is helping sort out the issue of insufficient reimbursement as it relates to your Zero Complaint Guarantee(one of the main reasons we used Tin Leg to begin with!)
I purchased trip insurance through Squaremouth because I used them on a previous trip, and I found insurance that was less expensive with better coverage than the insurance offered by my tour company. I found the process to be easy. Unfortunately, my wife was hospitalized 3 days before we were scheduled to depart, so I filed a claim. The Tin Leg web site explained the process well, and filing the claim was not particularly difficult because I had only two expenses to claim for -- the tour company's and the air ticket agency. Once I documented the claim properly and submitted it, I received full payment within a few weeks.
The policy was easy to purchase but everything after that was difficult. I have purchased 6 prior policies from Squaremouth and never previously needed to file a claim. I filed a claim for the first time after a recent trip and after a number of weeks without a response I called Tin Leg. The customer service representative informed me that they had misplaced my paperwork. A few weeks later I called back and received contradictory information from another representative. A few weeks later and after multiple phone calls my claim was rejected. I filed an appeal and this was also rejected after an inordinate amount of time and phone calls. I contacted the Zero Complaint team, and found no effective advocacy. I have since started purchasing travel insurance through a different company and no longer use Squaremouth.
No strike coverage? Air France had a work dispute and cancelled our flight. Have your attorney read the cryptic policy and understand the doublespeak. When they have to explain to you how a strike is not covered you know the language is intentionally suited to not have to pay your claim. My parents where on the trip with us on the exact same flight yet bought Allianz and had no issue with their claim for the exact same flight and issue. Do trust this company or use their insurance. Maybe I am old but who ever heard of not covering an airline strike?
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