Tin Leg Travel Insurance Reviews

We didn't expect to have to use the policy, but it turned out we had a missed connection on our trip (and the airline was not able to put us on another flight until the next day). At first it appeared that the airline was going to cover our expenses (hotel and food), but after a while it became apparent that they were not going to follow through. We ended up filing a claim with Tin Leg. The process was more cumbersome than I expected. I assumed we'd have to fill out a form of some sort and attach documentation of our claim. However, the process was: fill out a short form on the website, wait for an email, click the link in the email, use the provided form to schedule a phone interview with Tin Leg, wait for the phone interview (was not until nearly a month later), do the phone interview, then wait for follow-up email, click link in follow up email, fill out online form. I then discovered that the online form required many different documents (photo ID, hotel confirmation or voucher, original itinerary, updated itinerary, "proof of purchase," "travel provider invoice, statement, or receipt"), not all of which we had access to. I spent a lot of time filling out forms, communicating with Tin Leg customer service (somehow our email confirmation from the payment of the hotel room wasn't enough, and they needed a credit card statement showing the charge, for example), scanning documents, etc., before finally realizing we just didn't have access to all the documentation they required. The Tin Leg customer service people were always friendly, but the process is onerous and I really wasted a lot of time on something that wasn't helpful at all. I had assumed we'd just be able to show our hotel and food expense for the night we had to stay in the layover city (it seemed logical to me that we obviously missed our connection by the fact that we had to stay overnight), but they required much more than that. Never having had to file a claim before, I did not realize everything we would need. The airline didn't provide us with an updated itinerary (which was one of the things Tin Leg required), and we haven't been able to find our boarding passes, which they seemed to say would be ok also (we probably discarded them after getting home). Overall, I found that the trip insurance was a waste of money and I don't think I'd buy that again. I hope that if we ever needed to use the emergency medical insurance it would be easier to file a claim. Maybe all the travel insurers handle things similarly--I'm not sure, as I've never had to file a claim before. I don't think I'd buy trip insurance again, though, as it seems extremely difficult to make use of it if you ever do need it.

Generally, a very positive experience, reasonable price and courteous customer service. However, occasionally it is hard to talk to someone immediately. You often have to leave a message and hope that your call will be returned. Calls are usually returned but not always, rarely promptly and sometimes at late, inconvenient times.

We were unable to take this active cycling trip due to a knee injury.

When we filed the claim with Tin Leg, the earliest they could schedule a call was three weeks. They have now asked for the same information multiple times in different formats.

They asked initially for a doctors note, and are now requesting full medical records?

We will continue to work with them, but are starting to wonder whether it was worth purchasing this insurance from Tin Leg?

It is good to have the insurance and even better not to use it. Tim Leg was very responsible to my questions and changes when needed. This is the second time we have used Square Mouth.

I lost my tech bag on the plane and I'm trying to get the value of the items reimbursed.

My wife and I both needed medical care on our cruise. Our 2 claims totalled over $5000. We submitted the claims on October 2nd, and Tin Leg set a phone call on October 19. That is a very long time and I am out a lot of money while waiting. Thanks.

Great experience with Tin Leg. Responsive and answered my questions.

I called on Oct 2,2023 to file a claim and spoke to Joanna at 11:15 am and she said I would receive an email with a claim number which I have not received yet. Would like to know when to expect it or a call? My email is pedalpushin@hotmail.com and my phone number is (253) 576-8136