Tin Leg Travel Insurance Reviews

My experience with the claims was excellent. After I had gathered all of the documentation they approved my claim quickly. My only complaint was that when I called the Emergency Service at the beginning of our trip when we had the problem, the woman hung up on me.

Great! First time I have ever had to make a claim and it was easy. Have and will continue to use for my travels.

I had some specific questions regarding the insurance policy my husband and I purchased for an upcoming trip to Ireland. Calling customer service was a pleasant experience. There were no delays for automatic answering services, and no robots to deal with. The person I talked with was courteous and specific. They were able to identify both the positive features of the policy in question, and describe its limitations. When I asked a question that the agent was not able to answer immediately, they took the time to look up the correct information.

We did not make a claim, so I cannot comment on how efficiently a claim would have been handled. But the contact I did have was positive.

Purchasing the product was probably as good as it gets. I talked with a representative, who was very helpful and answered lots of my questions. I am not submitting a claim (phew!), which is where the rubber really hits the road. But at least on the front end, it all went VERY smoothly. I would rank customer service as 5 star.

When I called Tin Leg when I encountered a 22 hour delay in my initial flight for a 2 week prepaid Egypt and Turkey tour, I quickly learned customer service was limited to East Coast standard working hours. I used the emergency number seeking guidance....after a long delay was connected...posed my question...another long delay....and was instructed to call during regular business hours. Not my definition of emergency assistance!

The price was reasonable for the coverage and it was easy to sign up and complete the process. I noticed one error in the information after I got the policy documents and was able to get that quickly corrected by customer service. Fortunately, we didn't need to use the 24 hour assistance so I can't comment on that.

We needed to add one more day to our coverage because of an Air Traffic Controllers strike set to start the day we were to fly home. The Customer Service Representative added the extra day to our policy with no increase in cost because this was an event that was out of our hands.

I like the limits in the Tin Leg policy. The price is competitive. I filed a claim on a prior policy with Tin Leg and, with the proper documentation, they paid it in full.
That’s all I hope for when I purchased coverage.

Claim Number 29457-01. Trip dates were 09/10/2024-09/23/2024. I went on a group trip to Spain. I began experiencing severe medical symptoms on 09/11/2024. Over the counter medications were attempted without success. On 09/17/2024 I sought medical attention at Barcelona University Hospital. After triage and over 4 hours in the emergency department, the overcrowding and lack of timely care made it impossible to receive adequate treatment. On the advice of the group leader who is a licensed physician in New York, I changed my flight ticket to 09/18/2024. Upon arrival, I immediately sought treatment at Brooklyn Methodist Hospital as documented in accompanying physician's letter.
I want to note, that while in Barcelona on 09/16/2024 I sent email to emergency@tinleg.com asking for suggestions on how to proceed. The reply came from Justine Birmingham advising me to keep all receipts and medical reports related to my treatment. In his email he said " If you unable to return home as scheduled, please contact your airline to request they change your return flight. That is exactly what I did.

When I had an interview with claim rep Yesenia Illa she told me straight that the claim would not be honored due to trip interruption. That is not in sync with instructions I received on September 16th from Justine Birmingham.

I have concerns how claim was handled. The claim rep conveyed a dismissive and condescending attitude toward the claim from the outset. Such prejudgment undermines the fairness and objectivity of the claim process. Despite that I provided all requested documentation my claim was denied almost two months later. On November 15th, I asked for appeal, same day I hire the attorney. On 11/18/2024 The attorney letter was emailed to Tin Leg Team. On November 18th I received email that my claim was denied from the underwriter. The attorney letter was not even added to documentations.

Today, 11/20/2024 I file a formal complaint with NYDFS. Complaint number is CSB-2024-01622015.

My experience with this company is awful. They are not a people company, only looking to get a profit. Claims Team goal is not reimburse.
They only respond via email with same script from one email to another.