Tin Leg Travel Insurance Reviews

My wife's baggage was delay by 7 days.
We make some expenses and we are waiting for the refund.

In the past I was able to connect my insurance policy with my traveling companion in the initial registering process. When I couldn't figure out how to do that,
I called for assistance. The person I talked to was very helpful explaining that the process was different. She offered to add notes to each of our policies to connect them. We felt more confident knowing there was a connection between our policies.

The medical facility recommended and utilized in Palma de Majorca was unorganized and difficult to communicate with and did not follow up with results until I contacted them and was transferred no less than 10 times. One women when attempting to get test results actually screamed at me.
In all my years of travel this was 1st time I have used insurance. Not sure how you review and vet the medical companies you utilize but was disappointed.

Claim has not been finalized yet so am withholding judgement on process until completion.

I purchased cancel for no reason travel insurance, so I paid extra for that coverage. When I had to cancel my flight thru united, tin leg told me they would not pay me under the “cancel for no reason” as united already gave me united flight credit to use. I bought the insurance so I wouldn’t get flight credit but instead get some of my money back in case I needed to use it and tin leg gave me the same exact thing I already could have received directly from united airlines…which is flight credit! Why buy the insurance if you’re gonna get something the airline will already give you. I got taken in the insurance and now have $2200 in flight credit I have to use by myself by February 2025….and to top it off, I have to use all the 2200 altogether for one purchase or I lose what I don’t use. That honestly is worse than having bought the ticket directly from united without insurance. I would be in a better place and saved the insurance cost. Tin leg has bad policy and coverage in this field and I am very disappointed and Fustrated with this decision.

coverage for excursions was not clearly understood in the policy
The customer agent was helpful
Texas traveler insurance doubled in cost, too expensive
received no discount for multi-travelers if travelers are from different states (even though 3 policies were purchased at one time for the same vacation/family members)

I returned home from Greece on the 18th. Today was the 25th and I still don’t have my luggage. Fed ex has now delivered to wrong address and I must file another case. First with airline now with Fed Ex. I inquired about a luggage delay claim with Tin Leg and of course they argue that I don’t qualify for any compensation. It appears like all insurance it’s a major scam and ridiculous to even purchase. They take your $ but do everything in their power not to pay.

This company is a scam. United Airlines canceled my flight due to a pilot shortage, which caused me to miss the first two days of my tour. I filed a claim with Tin Leg and provided them with proof of my expenses. United did not give me compensation but a $75 voucher valid for one year, which I reported to TinLeg. I did not receive any other refunds.
TinLeg's tactics are crystal clear-they deliberately prolong the claims processing by repeatedly asking for the same and new information. Their aim is to make the process so tedious and burdensome that a person would be overwhelmed and eventually give up. This is not just unethical, it's potentially illegal. They even had the audacity to demand that I prove a negative, a task that any intelligent person knows is impossible.
I'm ready to file a complaint with the Texas Department of Insurance.
I am utterly dissatisfied with Tin Leg and I am now questioning the integrity of all your insurance carriers. If they all operate in such a deceitful manner, one might as well not purchase travel insurance because effectively, there is no coverage. It's nothing but a rip off.

Too much details are needed while being on the travel to make a claim. probably wont buy it here again

Pls see my complaint against Tin Leg filed with CA Dept of Insurance.
Case #
8589203