Tin Leg Travel Insurance Reviews

Waiting for the outcome regarding payment. Service was excellent. This is the second trip we have used Tin Leg for our trip insurance. I’ve recommended it to many of our fellow travel friends.

Since I began traveling internationally in 2012, I have purchased your travel insurance policies multiple times. Although I have never filed a claim, I have always viewed purchasing these policies as a source of peace of mind for my wife and me in case something unexpectedly goes wrong. I have also mentioned this in the positive reviews I have posted regarding your travel insurance policies.

However, we did not take the most recent trip to Vancouver from March 18 to March 26, 2025. When we began planning the trip in late December 2024, we purchased a Squaremouth policy. The trip was canceled because I experienced a severe COPD exacerbation a week before departure and had not fully recovered. In other words, I still had significant breathing difficulties for which I was taking medications.

Three days before departure, I decided to cancel the trip instead of risking a stay in a Vancouver hospital on a respirator. American Airlines, the car rental agency, and the reserved airport parking all refunded my prepaid money. Additionally, American Airlines restored the miles I had used to purchase our flights.

The only prepaid amount that was not refunded was the Squaremouth travel insurance policy. I was informed that if I did not cancel within the two-week policy examination period, which was months before, I would forfeit the money if I canceled the trip any time after that two-week window.

Squaremouth has every right to establish its particular policies regarding the purchase of travel insurance. However, I find the “forfeit-after-two-week-policy-examination-period” unfair and unlikely to encourage repeat customers like me. Why should I be required to pay for something I did not use and canceled within 72 hours before the policy became active?

Even if I had chosen the “cancel for any reason” option when I purchased the travel insurance policy months earlier, what would be the point of paying extra for that option when every agency to which I prepaid money, except for you, refunded the prepaid amount without any hassle? Plus, the “cancel for any reason” does not include what you paid for the travel insurance that included that option. Kind of a clever catch-22 situation, wouldn’t you say?

Forfeiting the Squaremouth prepaid travel insurance money won’t cause us any hardship. However, the frustrating unfairness of your “forfeit-after-two-week-policy-examination-period” remains. In response, I will modify my earlier positive public reviews of Squaremouth and share my latest experience. I will also write an updated article for our college retirees’ newsletter with guidance and suggestions based on this experience. Caveat emptor!

Easy to purchase but I didn’t need to make use of it so I can’t comment on the claims experience.

Tin Leg is very reasonably priced, the reason I chose it. I thought I would need to file a claim due to a 21 hour trip interruption on account of the fire at Heathrow and therefore assumed I would miss my final flight home which was from a different airport. I talked with customer service about these very real possibilities and they were very helpful and informative, however Qantas was very wonderful in putting me up in an excellent hotel, arranging shuttle service to and from the hotel, and providing a $50 food voucher and I was able to make my final flight so there was no need to file a claim. Therefore all I can say about Tin Leg is that they are reasonably priced and have very nice and helpful customer service or 24 hour customer assistance, don’t remember which one I talked to. I didn’t talk to either one pre departure but your rating thing requires me to do so, so that part is untrue.

I talked to customer service a few times planning my trip to Antarctica and everyone of them were very friendly and helpful.

Very easy to choose from various options.

Had a flight cancellation and called for support (not the emergency number), and received a timely call back the same day with advice and instructions on what the insurance I chose qualifies for how to proceed.

I had the pleasure of contacting Mari McIver when I was purchasing my policy. She was excellent in helping me through the process.

I had an unexpected accident while on board a cruise ship causing me to have stitches to the head. I was concerned that, despite copious amounts of documentation, the insurance company would drag its feet or try to delay any payment. This turned out not to be the case at all. I filed my claim with TinLeg via their website and everything was promptly handled. I would highly recommend them although I hope never to have to file a claim again!

Customer service was very helpful when we made a last minute extension to our trip. They listened well, were prompt, and helped us get the coverage we wanted.

My experience filing a claim with Tin Leg was relatively smooth. I rated it 4 stars instead of 5 because the person handling my claim did not tell me what all documentation they needed up front. Instead, the requests kept coming in pieces which delayed the process because we went back and forth at least 3 times as they would ask me for something else and I would provide it. I would choose a Tin Leg policy again.