Tin Leg Travel Insurance Reviews

I was very disappointed with Tin Leg. I had to reschedule my trip because I got sick just prior to the departure date. Tin Leg customer service told me I could change the dates for my coverage when the new travel dates were set. So I booked new travel dates and called Tin Leg back to change the insurance dates to match the new trip dates. Another Tin Leg customer service representative said that could not be done since I was sick and the new travel dates were more than one year after the original insurance purchase date. So I ended up with no insurance coverage and wasted the premium that I paid. Very disappointing!

Everything was easy!

I asked for clarification on the evacuation policy and was given an assurance that it would meet my needs. You were very helpful

I am very happy with my choice of Tin Leg for my travel insurance. My claim was handled quickly, and I was notified of the documents that were needed at every step. Very efficiently handled!!

The only issue I had with the whole claim process is your use of AI at the start of the process. Health care is a critical necessity that should be dealt with by a compassionate and patient person, not a machine. That was really off-putting for me, and had me questioning my future choices for travel insurance from the get-go.

Waiting on our claim of about 208$ for a fall my wife had hitting her head. We should know in about 10 days

We had to reschedule and unfortunately it is my understanding that we can’t move the policy date to track our new travel dates. If that isn’t correct please contact me.

My husband was admitted to the hospital and was diagnosed with cancer. We had to return home and they covered his flight home but not mine.

Didn't have the appropriate document from the hospital (example from TL was a discharge report) because in a small town in the Galapagos Islands, they don't deal with things that we in the Western world consider normal. So my claim was denied.
Went to the emergency room where they checked my BP, etc. Sent me to x-ray. Gave my trip leader a list of things to go buy at the pharmacy (in Spanish, so I had no clue); tape, gauze pads & lidocaine were purchased by me at the pharmacy a couple of blocks away. Back to the emergency room for 11 stitches in my knee. An English speaking doctor gave us a list of things to purchase at the pharmacy; more gauze pads, liquid soap, saline solution and two meds (an antibiotic & a painkiller -- these were written on a scrap of paper).
Pictures of receipts (total of $42.19), Trip Leader's accident report, the Rx on the scrap of paper and the wound to my knee were provided to TL. After three requests for a discharge document and being told I didn't have such a document three times, TL denied my claim.
It just dawned on me that if TL had just approved this small dollar claim immediately, instead of handling it as if it were in a country that doesn't have national healthcare, i.e., it would have cost $1,000 or more, they would have saved money! All the time spent (requests for info and the emails sent to me by the claim handler) had to far exceed the value of this claim.

P.S. By the letter of the law (or contract, in this case), TL was right in denying my claim. But, being a former health insurance underwriter who also dealt with the resultant claims, I know that exceptions can, and were, be made.

no comments

they keep nickel and diming me over a $100 claim (netting me possibly $50). i hate these people and will not buy another policy.