Tin Leg Travel Insurance Reviews

I bought a travel insurance from Tin Leg to cover our family trip to Peru in May. Following our visit to Machu Picchu, my husband started to feel very unwell and we decided the next morning to ask the hotel to call for a doctor. It turned out that he was suffering from a pulmonary edema (diagnosis confirmed by x-ray). Luckily he didn't have to be hospitalized, but the doctor prescribed him a number of medications, and came back that night to check on him again. For the 2 doctor visits in our hotel room, the transfer to the medical center, the x-ray and the medications, we were charged about $280. Back home, we filed a claim with Tin Leg since medical emergencies were covered by our policy. We were initially impressed by how simple the process was. We went online, answered a few questions, uploaded all the documentation we had: a detailed receipt from the clinic, a copy of the doctor's prescription and even a copy of the x-ray, stating my husband's full name, date of birth and the date the x-ray was taken. A few days later, we received an email from Tin Leg asking us to provide a copy of my husband's passport, as well as a copy of our credit card statement showing the payment to the clinic. We immediately submitted everything and thought that this time we were done. But then we were asked to provide the itinerary of our trip. We sent a copy of the email confirming our flights from Lima to Cusco (the only confirmation that we could easily find since we had deleted everything after our trip) but that wasn't good enough, we also had to submit a copy of the confirmation of our flights from the US to Lima. It was becoming very clear by that point that Tin Leg were either trying to delay our reimbursement, or find a reason to decline our claim all together. And the requests kept coming: could we provide medical records showing the symptoms, the diagnosis and the prescribed medications? We had already sent the doctor's prescription, as well as the x-ray, showing the fluid in the lungs, confirming the diagnosis of pulmonary edema. We didn't have any other medical records. We saw a doctor from a small clinic in the Sacred Valley of Peru, what other medical records could we possibly have? We got really angry and complained that all the documents we had already submitted were more than enough to prove that we had a medical emergency while on vacation in Peru. After weeks of email exchanges, Tin Leg finally approved our claim. It took another 8 days to receive our money. It wasn't a big deal since the amount was less than $300 but what if it had been thousands of dollars? We are not happy with this experience and will make sure to select another travel insurance next time we go abroad. Tin Legs have a good rating on Squaremouth but if you read the reviews, you will see that most people who left them didn't even file a claim, the good reviews are based on people's experience purchasing the policy online.

I was devastated when I had to cut my trip short when my non-traveling wife was injured just days before my epic Italy trip. Luckily, I was able to salvage 1/2 of the trip and felt that the process with my claim through Tin Leg was quite easy. I spoke to one person once before filing the claim, who was very helpful. Everything else was handled easily via email and on-line with uploading the documents for my claim. All went smoothly and I'm a satisfied customer. I highly recommend!

Stuck in Italy. Tin Leg offered advise regarding starting a claim.

Kind, helpful service representative.

Kind, helpful customer service support.

Very clear policy showing what activities are covered by the insurers. We were going on an "adventure" hiking trip and many companies would not cover the activities we were going to be participating in. Tin Leg site provided very clear coverage information to help me make an informed decision.

Easy to select a policy that fitted our travel needs.

We had a airline delay. I called to talk to them about any costs we might have and what they would cover. The person I got was nice but not helpful in answering my questions.

We have now submitted a claim. Communication by email has been fine, but it is not yet approved.

I will review later after my claim is completed.

We did not have a claim so our experience was good. However, our friends had a bad experience that will impact who we use for our next trip. Lynn and Mary Evers paid the full premium earlier this year with only a $1,000 down payment. They qualified for coverage with any pre existing conditions. Soon after purchasing the plan Mary Evers had a medical issue preventing air travel. Tin Leg continues to request past medical information from Mary Evers even though she had pre existing med coverage. We have used this umbrella of companies for numerous trips but we will buy coverage from another company.