Tin Leg Travel Insurance Reviews

The end result was positive; however, I think the process was a bit too long and cumbersome.

I found choosing the insurance was very confusing. I would have preferred it if our travel agent made a couple suggestions, rather than doing what research I did our selves and still not really knowing what we purchased.

Why I chose Tin Leg.... I can't recall now. Just a guess of averages.

My wife was injured on an shore excursion, by a backpack falling out of the overhead storage compartment on a bus onto her head while she seated.
At the time we knew she was injured some but didn't think going to the ships doctor would do anything except to be given pain meds, so we didn't. After getting home she is going to a chiropractor. and she did call Tin Leg about possible coverage and were told that they only cover medical assistance while we were on the trip (within the dates covered).

We feel they should help with the expenses our Medicare and supplement will not cover, but they won't.

I think I understood the medical insurance and evacuation parts.
However, I don't know if "trip cancellation" was for "any reason". For instance, I needed a minor surgical procedure just days before our trip. Had this hospital procedure resulted in complications requiring my wife and me not being able to make the trip, would the costs of our trip be refunded through our insurance policy?
Also, if the trip had been cancelled by Holland America, midway through the cruise, would we have received a refund or air travel home?
Thank you,
William Peterson
Ps: The question I had for customer service prior to purchase of the policy was expertly and quickly handled. Thank you.

claims department response and service have been above average so far.

I came across your website by pure luck but it as nice to have options for travel insurance besides the specific ones travel agents are connected to. I was able to obtain better coverage at a substantially reduced price.

I filed a claim for reimbursement of medical expenses incurred during my cruise. Tin Leg assigned a claims representative to assist me throughout the process. She responded to my queries quickly and completely. She was extremely courteous and fair-minded during the initial interview. Tin Leg provided a convenient way to file the claim online and gave me several alternative methods of submitting supporting documentation. My claim was evaluated and approved within 8 days and I received a check satisfying my claim just 10 days after I submitted my signed claim form. Tin Leg did everything they said they would and provided my wife and I with a superior product at a fair price. I will be using Tin Leg again on our next travel and I highly recommend Tin Leg to other travelers.

Purchase via telephone was straightforward. The representative seemed knowledgeable and was responsive to my questions. My interaction was positive.