Tin Leg Travel Insurance Reviews

I had to cancel my trip more than a month in advance of departure due to health issues. I then made the mistake of immediately filing a claim for reimbursement of outlay for airline and hotel before I tried to obtain them on my own. Much to my surprise, I did receive reimbursement for refundable airline tickets and the down payment on my hotel bill. That's when I had trouble convincing customer service that I wanted to close out the claim.
Customer Service kept sending me the same email over again asking for proof of items needing reimbursement, and of course there were none. When I finally filled out the form explaining why I no longer needed the claim, it would not SUBMIT online. So I had to download the form, fill it out by hand, and send it to Texas via Priority Mail to stop the emails.
What I would suggest for the future is to take the customer seriously if s/he says that the claim is no longer needed. We kept "talking" past each other, and the only way out was the step requiring the form, which was a total time waster. Of course, I learned not to file a claim unless I know I really need it! That was my mistake.

Easy to contact customer service to update policy.

I became ill during my trip, requiring a virtual visit with a doctor and prescriptions. Before contacting an outside virtual doctor, I contacted Tin Leg and was told that I could not be helped unless I was in the hospital. The point of seeking a prescription was to keep me out of the hospital, so I was essentially left on my own, to figure out how to get medical help. The cruise director on the river boat provided me with the contact information for a medical service that offers virtual visits.

For any future trips, I will inquire more about the type of medical care I can expect--care during hospitalization or for an accident, etc., is good, but having access to a doctor and prescriptions to avoid hospitalization should be part of the offer.

Claim was denied. Identified as pre existing condition which is not accurate.

Our checked bag arrived severely damaged. I filled a claim immediately with Delta and received confirmation but weeks later no determination. Tin Leg’s communication said it required a determination from Delta along with all other documents. I cannot submit what I do not have, thus I am unable to recoup the cost of the replacement suitcase. The next trip I will likely just purchase generic emergency medical insurance. Needless to say I am disappointed in both Delta and Tin Leg.

I have a valid claim (recognized as such by Tin Leg). I did not think at the time to keep receipts for my expenses (I was quite stressed because of a missed connection that resulted in a 12 hours delay to my destination), but I provided all the other documentation required as well as an itemized expense list. Tin Leg has asked me for a lot of such documentation for an entire month with back and forth email, and in the end refused to pay anything because of the lack of receipts. I have 2 main complaints:
(1) in most situations an itemized list of expenses should have been enough to replace the actual receipts (for a claim totaling $282 on a covered maximum loss of $500)
(2) if they knew from the start that they would not reimburse me without receipts, they should not have asked me for so much other documentation for an entire month. This was a big waste of time and a most disrespectful behavior towards the customer!

The only situation I had was at the Fort Lauderdale on departure’s date. I requested from SPIRIT AIRLINES assistance with a wheel chair because I need to use temporarily a cane. I arrived to the airport three hours before departure time. Service was a nightmare. I was the last person boarding late the plane. I hope this info can help you.

My trip to Greece was canceled because my best friend's husband got pancreatic cancer. Means, we never even left. Cannot believe that none of the 411. Insurance is refundable, given we insured for things like being airlifted off the ship had it been necessary. Etc, ...

I did have to email several times and wondered if they were delaying me, as they seemed to be asking for the same info repeatedly. But I had been sending screenshots of info and after I sent all scanned documents, my claim was processed.

Very difficult to work with bout a travel plan with no out of poket or deductible and the claim was not paid to the hospital, not fair in so many ways