Tin Leg Travel Insurance Reviews

I expected a few hurdles to get a refund from an insurance company, but overall the experience was good

The degree of documentation requested has gone to a disproportionate amount. I paid for travel insurance for a specific trip. They are requesting details for itinerary and flight information that is irrelevant to the claim. I paid x amount, and because of flight cancelation I had to pay y amount. Insurance should cover the difference in my opinion. There requests are obstructionist and meant to string the claim along - not settle it. After buying policies from them for years I can now see what its' really worth.

Review Updated: 10/09/2024

We had a claim that was legitimately an enforceable trip interruption. Once claim was submitted, we received an email stating that there was a very good chance it would not be paid because it technically did not fit their definition of trip interruption or trip delay. I did not pursue further, because their language was such that it was going to be a waste of time to continue. Fortunately, we had purchased an Allianz policy with airline. Although their definitions were the same as TinLeg, they paid the claim quickly. Your insurance company is in the business of collecting premiums rather than taking care of the customer. This was a small claim.

We had to make a claim when my 94-year-old mother-in-law was placed on hospice a few weeks before we were to take our trip. I was pleased with how quickly each piece of our claim correspondence was answered. I was pleased with the outcome. However, it was difficult to understand the specific information needed in the beginning to process my claim. For example, they asked for an itinerary. Our trip was self-planned, so we didn't have one, as we would have with a tour group. But I sent them my list of what we were going to do each day. What they really needed was all of our confirmations (airlines, hotels, etc.) that had nothing to do with our claim of a specific house rental deposit that could not be refunded when we cancelled the entire trip. It took a tremendous amount of verification to get just a $470 claim paid. The biggest difficulty was getting all of her medical records for the past SIX months to them -- which I was not able to send; they had to be sent from a physician's office. That turned out to be quite complicated. In effect, we recouped the amount we paid for the insurance but spent a tremendous amount of time doing so.