Tin Leg Travel Insurance Reviews

Easy to purchase.

The following explanation relates to Tin Leg request number 117481.

I had a medical issue that became significantly worse in the weeks leadiing up to my trip. On the advise of my doctor, I chose not to travel. This was on February 10, roughly 12 days prior to my departure date. I preliminarily contacted Tin Leg on February 7 to understand what the policies and procedures would be should I need to cancel. Then, given the short time frame between my decision and the departure date, I contacted the tour company and the airlines directly myself. In the case of the airline (Icelantic Air), I was refunded all my payment less a small service charge--refund was $1,340 and original cost was $1,367. I then contacted Nordic Visitor, the tour organizer. They also refunded me the majority of my payment. Roughly $504 of my payment was held by the tour company. The remainder, $4,331, was refunded to me. The money held by Nordic Visitor could be applied to another trip should I decide to travel with them in future. I have no plans at present to do so.

So the final cost to me of my cancellation was approxiately $27 for the airfare and $504 for the tour. And, of course the $694 paid to Tin Leg for the travel insurance that was, in the end, not used. I find it rather ironic that the insurance cost me more than the forfeited money when workng directly with the tour and airline companies. I will need to keep this in mind for future travels.

Would there be any value in completing a claim at this point?

I have used tin leg many times and I am happy with their products and service when making a claim

I was able to file a claim online without difficulty and the claim was approved before I even returned home. The claim was for a dental issue and was paid in full.

Using the FGA emergency assistance was helpful, and they were responsive, but the Tin Leg local agent in Seville Spain was not at all helpful. It took four days for him to tell FGA that he couldn't obtain the needed medical records for my wife's hospitalization so that Tin Leg could authorize her surgery. I obtained them in a few hours, yet Tin Leg still did not authorize the surgery. Although this policy is sold as primary medical insurance, I had to pay out of pocket for all of her care. Fortunately I had the financial wherewithal to do that in this case. Had it been some other medical emergency I may not have had that ability, and Tin Leg was nowhere to be found! I am profoundly disappointed in Tin Leg's performance while we were in Spain in a very stressful situation.
Since we have been home the Tin Leg claim process has been very smooth so far. Their follow through on our claim, which I just submitted, remains to be seen.

It's clear that this group is just looking to find any reason not to support traveler claims. I purchased in good faith, and my experience with squaremouth at this point is quite tarnished. This is why nobody respects insurance companies.

Very easily and quickly had birthdate for my husband corrected that I had entered incorrectly . Person answered with in 3 rings and it was fixed in less than a minute. Glad we did not need to make a claim, but hope the service would have been as good

I did not have a claim which I believe is when a person can rate the travel insurance provider. I do find it odd that when travel internationally there is not a toll-free number to call.

The claim was for trip interruption due to the death of a parent. The claim was handled in a timely manner and we appreciate the weekly updates on it's progress. There were 2 charges we submitted for reimbursement, one for an upgraded accommodation and another for Uber fares which Tinleg declined reimbursement even though there were plenty of funds in the policy we purchased to cover those expenses. We did receive the travel reimbursement 1 month after filing the claim. We feel it was timely service. We will be purchasing Tinleg Gold insurance for future travel.