Reviews, Sales, and Service Ratings for
Tin Leg

The representative from Tin Leg was very helpful and patient with me submitting my paperwork .

The claim refund process was a little slow, mostly because they required 6 months of medical records. It took awhile for the medical group to obtain, copy and mail 81 pages. And another several weeks for Tin Leg to log it in, assign and review. I guess I understand the need to review medical records, but they already had a signed letter from the surgeon explaining the injury, surgery, and that I was not physically able to travel. In the end, I did receive full reimbursement. I don’t, however, like how air travel is handled. Airline insisted to only give travel credits which had to be used within 12 months of booking. Flights were booked 8 months in advance. There was no way I can use the air travel credits by Dec 2024. I have a slow recovery. But since the airline issued credits, the insurance won’t reimburse for lost air travel costs. That’s a catch-22 if your medical issues won’t allow travel within that time.

I tried calling different 24/7 phone lines and no one answered except a person who said we should call the number that was based in Florida (we were in Italy) which would open at 8 est. That would be 2pm or 1400 in Italy. We kept calling and calling and letting the phone ring forever. Like magic the phone was answered at 8am EST. Out flights were the next day so we felt pressured. The reps we talked to were nice but not particularly helpful. We both had Covid and were wondering if we should cancel our flights and stay in a hotel until we were not contagious. The process that the agents laid out made it seem likely that if we made a claim there was a good chance we would not be reimbursed. We decided to go home as planned. There was no 24/7 service. If it had been an emergency it could have been a disaster. Disappointing to say the least. Frustrating too. We were both really sick and struggling.

Thank you for sharing your experience. We understand how challenging and stressful this situation must have been for you, especially while managing your health and navigating the time difference.

After reviewing your interactions, we discovered that you were directed to the customer service line after hours instead of our 24/7 emergency assistance line. Our phone system should have advised you of this and provided a prompt to direct you to emergency assistance, and we sincerely apologize for any added frustration this may have caused.

Regarding the coverage information you received, our agent was correct in explaining that while she couldn't guarantee coverage at the time of your call, your claim would be thoroughly reviewed by a Claims Adjuster, who would make the final determination. We regret any misunderstanding about coverage that may have occurred, and we appreciate your feedback, as it helps us improve our service for future customers.

Please feel free to reach out if you have any additional questions or concerns. We're here to help.

Buy travel insurance often and most times tin leg or a Berkshire Hathaway product because it meets my needs. First time I’ve filed a claim and though not completed, the filing process was relatively trouble free to complete.

Tin Leg insurance is a scam. We had multi-city trip and one of the flights in the middle of our trip has been cancelled by the airline. We had to rebook with another airline so we could continue our trip. We got a refund for cancelled trip from the airline and requested insurance to compensate for the difference between cancelled and rebooked flights cost ($115). We paid for the insurance $226. Insurance denied the claim since they only provide coverage "if You are delayed en route to or from the Covered Trip". This is unacceptable and looks like a scam. Stay away from this company!

Thank you for your feedback. We understand how frustrating it must have been to rebook a flight during your trip and manage the added cost. I’d like to help clarify the coverage details based on your policy to explain our decision.

The Trip Delay benefit in your policy is designed to provide coverage specifically for delays that occur while you are en route to or from your trip, such as when traveling to your destination or returning home. You were scheduled to return home on September 9th and the delay occurred on September 7. Since the delay you experienced happened mid-trip, rather than during travel to or from your destination, it fell outside the terms of coverage under this particular benefit.

We appreciate the opportunity to review this with you, and we’re here to answer any other questions you may have about your policy or the claim process. Thank you again for reaching out, and please let us know if we can assist further.

Not a real comparison, as all policies are by same underwriter.

Claim in process for a trip I was unable to take. Email response was not precise enough to let me know whether the materials I submitted detailing my nonrefundable expenses was sufficient. Request for medical notes from multiple doctors is overkill. A single doctor's note from my *** should be sufficient. I didn't WANT to cancel this trip; an inability to stand or walk fir more than a few minutes, and instruction by my doctor to stay off my foot necessitated canceling. A note from my doctor to that effect should be sufficient.

Thank you for sharing your experience, and I’m sorry to hear about the difficulties with your trip and the challenges you’re facing in the claims process. I understand that providing additional medical documentation can feel overwhelming, especially when your circumstances required a last-minute cancellation.

While our policies are supported by multiple underwriters, they all require official medical documentation for claims involving medical reasons. Unfortunately, a doctor’s note alone isn’t sufficient, as the claim review process requires complete medical records to confirm the reason for cancellation meets the “Covered Sickness” criteria.

Our examiner reached out on October 24 with details about the additional documentation needed, and we’re here to help if you need any clarification or support in gathering these documents. Thank you for your patience, and please let us know if there’s anything we can do to assist in moving your claim forward.

Securing the trip insurance was fast and easy. The price point was also very good and no issues when we had to extend the policy by two days. Just a very modest cost increase. Will definitely use Tin Leg again!

Very easy and when I had a question prior to trip they called back promptly.

I really only had one question for the customer service department and they answered it with professionalism.

We had to cancel our trip prior to departure due to a serious illness. Tin Leg Insurance company was easy to work with and timely with responses. After gathering the appropriate documents, they fully refunded our trip.