Tin Leg Travel Insurance Reviews

Claim process was very thorough. This is both a positive and a negative. Positive in that the claim was paid, negative in that the process seemed very laborious when compared to another carrier I used for a portion of the claim not covered by Tin Leg.

Fortunately, no problems on trip excepting for delays on takeoff from Newark, United's fault; takeoff from from Newark on return flight, FAA problem. All else went well.

My initial claim has been denied. Here is a clip from the summary document for my plan:

Policy Detail - 53-TLG-F5B-BA6AE
Policy Number: 53-TLG-F5B-BA6AE
Insureds:
Donna Quaidy - DOB 01/28/1958
Gregory T Quaidy - DOB 12/11/1956
Medical Coverage Information
Medical Deductible: No Medical Deductible
Accident & Sickness Medical Expense: $500,000 per person, Primary coverage
Emergency Medical Evacuation & Medically Necessary Repatriation: $500,000 per person
Pre-Existing Condition: Covered
Policy Provider
Tin Leg
Underwritten by Starr Indemnity & Liability Company
Trip Information
Departure: 09/07/2024
Return: 09/27/2024
Name of Plan: Tin Leg Gold
Amount Paid: $1,638.00
Total Trip Cost: $22,00

As you can plainly see it stays “Pre-Existing Condition: Covered

No asterisk, footnote, etc. Yet my claim is being denied due to a Pre-Existing condition. I had surgery in late May and would not have been able to travel comfortably when I purchased the policy in June for a September trip. My surgeon and I both felt I would be ready by September but, as it turns out, I needed a little more time and needed to cancel for that and some family illness (Donna’s mother hospitalized).

At this point I will NEVER visit the Squaremouth site again and will advise everyone I know in travel and otherwise to avoid it as well since they do not provide connections to reputable, honest suppliers for travel Insurance.

I was very satisfied with Tin Leg. I called customer service several days prior to trip departure to ensure that there was nothing else I needed to do to ensure coverage. I would suggest an email to insureds saying something like: "You're trip is next week! Here is the contact information should you need to reach us or file a claim. Enjoy your trip."

I am glad that I did not have to use the insurance, but it was comforting knowing that it was in place if an emergency arose.

Each time I contacted your representatives with questions about the insurance, I received what I needed. They were courteous and pleasant.

We had purchased this policy for our cruise in November 2024.I purchased the policy insuring my wife and me.
Tinleg asked for documentation of the cruise purchase and the cancellation.The original cruise ticket as well as the cancellation showed both of our names- the same names that were on the insurance policy.

Tinleg asked us to provide a picture of a government ID. Previously I purchased with Squaremouth in the last 15 at least 6 -8 policies.On two of them I had claims where no Id was required.The real issue was after I sent in my wife's drivers license it took over a week to tell us that the picture wasn't clear.
The same thing happened with my Id.Trying to communicate thru email or phone was extremely difficult.It was only after I called Tinleg and asked to speak to the claim adjuster's supervisor that I received a call from him.
The claim was paid- but it was not a good experience.

Due to my mom’s surgery, I made an inquiry on “trip interruption” while we were traveling to Hanoi. I received a response in a timely manner which I appreciate very much.

I started my claim but had to have surgery so I haven’t had time to get all of the paper work done but they have been in contact with me. One thing I have found was compared to other insurance companies on your site they require an inordinate amount of information from my Doctors involved. Being this was a last minute, had to cancel 3 days before leaving on trip, diagnosis of breast cancer I have many doctors, hospitals, and testing results to obtain.

They want 6 months of my medical records that cover preexisting conditions for edema that a Dr gave me a no travel slip for. I never saw this Dr before. I dont have 6 months of records