Tin Leg Travel Insurance Reviews
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Overview
Tin Leg offers nine policies on Squaremouth, with its Gold plan being the top seller on the marketplace. They provide affordable cancellation options and have plans tailored for cruises and adventure travel.
See how Tin Leg compares to other providers on Squaremouth in customer satisfaction and service quality:
*The overall customer rating is the average of all reviews for the provider since they joined the marketplace.
Customer Reviews
Tin Leg customers praise the provider’s customer service, especially when making changes to their coverage or trip details. However, some have expressed frustration with the claims process, particularly regarding the amount of documentation required.
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“Tin Leg policy: Gold
The policy appears to provide excellent benefits at a reasonable premium for many mishaps that might occur during these turbulent times, and I have used it on multiple trips. Fortunately, I have not had to submit a claim, so I do not know how their claims department handles such claims. .
Daniel from CAReview Received: August 7, 2024Was this review helpful?0 out of 1 people found this review helpful“Tin Leg policy: BasicSelecting the proper policy for my trip was very important: the comments and feedback I got was very helpful in making this decion.
Rose from CAReview Received: August 7, 2024Was this review helpful?0 out of 1 people found this review helpful“Tin Leg policy: GoldThis policy provided me with the confidence I needed to allow travel outside the US
John from VAReview Received: August 6, 2024Was this review helpful?0 out of 0 people found this review helpful“Tin Leg policy: LuxuryI filed a claim. It was rejected, based on the provision that I was not "stable" at the time the policy was purchased. This is not correct. My surgeon made a good-faith judgment based on my condition on first consultation in February that I would very likely be able to make the trip. However, a post-surgical complication prevented me from going.
I have scoured all the supporting materials I supplied for my claim, searching for some indication that I was "unstable" at the time the policy was purchased. But I WAS stable. Had I known Tin Leg had such a definition of "unstable" so open to interpretation, I would have either not bought the policy or delayed my surgery until after the trip.
I should point out that I have known that I would eventually need this surgery for over 10 years. The trip was a bicycle tour of Nova Scotia. I was continuing to ride my bike and train for this trip literally up to the week the surgery was scheduled.
I do have to complement the staffs of my cardiologist and surgeon for putting up with my repeated requests for documentation. I'm glad they (at least) were pulling for my recovery, which is well underway.Steven from NYReview Received: August 5, 2024Was this review helpful?5 out of 7 people found this review helpfulResponse from Tin LegThank you for reaching out to us and providing detailed information regarding your recent claim. We understand your frustration and appreciate the opportunity to clarify the situation.
After a thorough review of your claim and the supporting documentation, we would like to explain the reasons for the denial in more detail. The policy you purchased includes a 180-day look-back period for pre-existing conditions. Our records indicate that you were seen and diagnosed with your condition within this look-back period.
The pre-existing condition exclusion applies in cases where the insured's condition was not stable at the time of policy purchase. This is one of the critical requirements for the pre-existing condition waiver, and unfortunately, it means you did not qualify for this waiver.
Your claim was carefully reviewed by our underwriter, and an appeal was also considered. Since no new documentation was submitted during the appeal, the original decision was upheld.
We regret that this situation has caused you inconvenience and disappointment. Our goal is to ensure that our policies are clear and transparent for all our customers. If there is any additional information or documentation that you believe might impact the decision, please feel free to submit it, and we will be happy to review your case again.
I understand this has been a lengthy and frustrating process for you, and apologize that your claim did not have a more favorable outcome.“Tin Leg policy: GoldTin Leg offers the best insurance coverage out of any of the policies that we looked into for our international trip. Thankfully, we did not have to use our insurance, but the process of obtaining insurance through SquareMouth was an easy smooth process.
Gretchen from FLReview Received: August 5, 2024Was this review helpful?1 out of 2 people found this review helpful“Tin Leg policy: GoldSeemed expensive. But otherwise, all fine. Had to call once to change the dates of my trip, which was handled easily.
Mary from NHReview Received: August 4, 2024Was this review helpful?1 out of 1 people found this review helpful“Tin Leg policy: GoldMonika from FLReview Received: August 4, 2024Was this review helpful?3 out of 3 people found this review helpfulThe paperwork was horrendous and I was only able to send TinLeg everything they wanted because I am a very tidy person and keep every little paper from my travels. Even though I only received a small sum as they always find a reason not to pay much out. If I count the hours I put in it was not worth it! Maybe they hope that people get fed up and not peruse the claim.
“Tin Leg policy: GoldFriendly and helpful agents
Judy from WAReview Received: August 2, 2024Was this review helpful?0 out of 0 people found this review helpful“Tin Leg policy: AdventureAny questions one has are always answered quickly and with advice if needed. Your customer service is outstanding.
susan from FLReview Received: August 2, 2024Was this review helpful?0 out of 0 people found this review helpful“Tin Leg policy: EconomyLeft a message with them, their voicemail says they will follow up in 24 hours, I never heard back. Will call them today
Katherine from NYReview Received: July 29, 2024Was this review helpful?3 out of 4 people found this review helpfulResponse from Tin LegThank you for bringing this to our attention, and we sincerely apologize for any inconvenience you experienced. Our records indicate that you called on July 23rd and we returned your call within 20 minutes, leaving a voicemail message. We would like to resolve any outstanding issues you may have. Our team will be making another attempt to reach you today. If we miss you again, please give us another call at your earliest convenience, or let us know a preferred time for us to reach out to you directly.