Tin Leg Travel Insurance Reviews

When purchasing insurance I did not read the fine print or get the complete policy, I'm not sure which at this point. Your specific incidences to cover are very exclusive and do not cover a 24 hour delay due to airline delay. That is a most probable cause of delay and you do not cover it. That is what I find most disturbing. You asked me to provide detail after detail and then in the end you rejected my claim even though you knew up front the reason for the delay and could have told me without putting me through the aggravation of supplying documentation.

I had a question about my 10 leg insurance coverage. It was not a medical emergency, but I needed to get a complete blood count to adjust medication. I asked if you covered that and they said no, but she did recommend a hospital in the city that you were affiliated with and encourage me that that would be a good place to get the Blood Draw. I listen to her advice and for $40 at a Japanese hospital. I got the Blood Draw. I was on a cruise and the cruise ship wanted $600 for the same Blood Draw. Your representative was very informative and knowledgeable. I appreciated her help.

We had no issues. The policy was available immediately. I spoke with a representative to verify everything before I purchased the policy. She was very professional and friendly. This is a great company to get travel insurance for a great price.

I am disappointed with Tin Leg and both their claims process as well as their bad faith decision to deny full payment of the claim. I plan to file a complaint with the Washington State Insurance Commissioner and the Better Business Bureau.

I would not recommend purchasing insurance from Tin Leg.

It was very easy to sign up for and when I had a question it was answered quickly. Will definitely use in the future.

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.