Tin Leg Travel Insurance Reviews

Review Updated: 05/05/2020

It is a matter of the spirit of the contract vs the letter of the contract. Tin Leg masterfully exempted the reasons that caused the trip cancellation. I thought I bought trip cancellation insurance and in truth I bought medical insurance for my husband and I. I cannot complain that they did not follow the letter of the contract. They wrote the contract. Their experience and knowledge is superior to mine in this area. I certainly experienced a trip cancellation and it was not covered because it was due to a pandemic and initiated by the cruise line itself.`To their credit they did cover the trip interruption expenses. The rejected the high dollar flights home. For profit insurance is always a horrible game of excluding high odds events and selling the appearance of covering everything.

Review Updated: 05/05/2020

After opening a claim I submitted all supporting documents(14 pages total) in mid-March. After not hearing back from Tin Leg for two weeks, I called on April 1st and was told that emails had been sent to me by Tin Leg, however, because I have a custom domain it may be in my spam folder. No such thing. No emails from Tin Leg were in my spam folder and I never received proof that any emails had actually been sent to me after I provided a second email address. That would have made it more believable that they were actually processing my claim. I then received a request to resubmit 9 pages of documents previously included with my claim. Duplicate documents were resubmitted on April 3rd. and finally we received reimbursement on April 10th, almost a month after submitting the original claim.

My claim was cut and dry with all the required documentation sent the first time.

I was skeptical when it became apparent that my vacation was not going to happen. In my case we had medical issues that happened to myself just a few days prior to the start of our vacation. My partner was also hospitalized totally unexpected 3 days prior. I was upset that a vacation we had been waiting for wasn't going to happen and my partner was now sick in the hospital. At the start of his sickness the hospital quarantined him until they could get corona-virus testing results. My mind was very emotional and all I could do is pray and hope that his test would be negative. While all of this was going on I had to file our claim with Tin Leg. The procedure for filing my claim was very easy and after completing the claim form, I received an email explaining the next steps and time-line to completion. I had to provide some medical information that my doctor had to complete and that took a little more time than I expected. After providing the doctor's information requested my claim was settled almost overnight. We received our insurance check within a few days of the email that I received stating our claim was settled. They are a very first class business and I intend on making Tin Leg my partner in every vacation, personal travel and business travel. You will not be sorry that you spent the cost of their insurance. In today's world businesses give big guarantees to customers and most of the time the guarantee is not worth the paperit's written on, that is by far NOT the case with Tin Leg. Rest well at night with Tin Leg behind your trip.

The claim agent, Cheri Cummings, was wonderful. She displayed genuine empathy for our situation and was as respectful as possible. Because of her professionalism and humanity we were quite comfortable with the interview and the entire process. She kept us updated throughout. We will start with Tin Leg the next time we are in the market for travel insurance.