Tin Leg Travel Insurance Reviews

Great pre-trip experience. Glad we didn't have to find out what it would have been like to file a claim.

Sadly I hurt my back and could not make my trip. I was very pleased with the Claims Adjuster. He was excellent in explaining the documentation I needed for my claim. As soon as all the documentation was received, the claim was paid for total within 8 days. I will certainly use Squaremouth again.

Unfortunately my trip was cancelled due to the earthquake that hit Colombia. I have filed a claim.

I never felt I understood what was covered by any cause trip cancellation.

Just an easy purchase. Customer service was also very good, as I needed to change dates due to rescheduling trip. Much cheaper (with more options and coverage) than purchasing at the time of paying for airfare.

For the most part, Tin Leg was professional and efficient. However, I found their claim submission process to be VERY user unfriendly. Once you submitted a document, you could no longer see it - so it was impossible to keep track of what had been submitted. They don't have a website through which to do the submissions - only a link, again very old-school and not tech friendly.

The one other issue I was not pleased with was their handling of my cancelled airline flights. I did not want to take e-credits from the airline, since I broke my foot/had surgery, and going on a bike trip is not going to be happening within the year, and the airline credits are only good for a year and not transferrable. The airline told me that they needed Tin Leg to request the e-credit cancellation/forfeiture, and Tin Leg said I needed to have the airline do the e-credit cancellation. The airline confirmed that they had no process to do this with a consumer - only via an Insurance company. This left me squarely stuck in the middle. I further offered to provide Tin Leg a notarized medical statement that I agreed to forfeit and not use the airline credits, but Tin Leg offered nothing beyond "if you have airline credits you have been made whole". I have never filed an Insurance claim before, so this may be industry standard, but I was struck by how Tin Leg offered no thoughts, options, or assistance.

I ultimately found an airline Customer Service agent who understood that I was stuck in the middle - and they personally requested a credit card refund in my behalf, which I received, (once I provided medical evidence). It is doubtful that this is a repeatable experience. I feel others should understand how Tin Leg addresses airline credits - even when it can be documented that they are unusable, so I am adding it to my Tin Leg review.

All that said, outside of the poor documentation process, and my Flight cancellation problems, Tin Leg *did* process and pay my claim promptly. However, given my concerns, next time, I am unlikely to choose Tin Leg for my Trip Insurance.

It was fairly easy to do although I had to toggle back and forth between options to get the best information and rates.

I sent in a claim yesterday and I am waiting for a review and response

I recently purchased an international travel health insurance plan on Squaremouth with Tin Leg as the insurance provider. I've used Squaremouth to purchase policies previously while traveling abroad to the United States from Europe, where I live currently as an overseas U.S. citizen. That being said, I obviously understand the importance of having an international travel health insurance plan, especially while traveling in the United States.

Due to an unforeseen family emergency, I was required to extend my trip in the U.S. I called Tin Leg customer service several days prior to the coverage end date to extend my coverage and was advised this was not possible. I was told that "Tin Leg's insurance underwriters do not allow policies to be extended." I was then given two other websites not affiliated with Tin Leg where I could purchase a new POST-departure international travel health insurance plan. The first option did not allow me to make a purchase since I was already a U.S. citizen. The second website's rates were several hundred dollars—quadruple the cost of my original plan purchase with Tin Leg.
Squaremouth's website does not spell this caveat out clearly in the details of the policy upon purchase, nor is it easy to find in the terms and conditions of the policy.

Is it crazy for me to assume that people extend their vacations/holidays? I am now left with no insurance should my own emergency occur.

If you need to purchase an international travel health insurance plan, I recommend alternate sites such as visitorscoverage.com. I've previously purchased Patriot Plus Policy plans using their service, and they proactively email you before your coverage ends asking if you want to extend for a reasonable rate. It is very frustrating to not only be dealing with a loved one's medical emergency, but I am now also at risk should something happen to me.

Friendly Understandable Quick Response. We will definitely use them and recommend them to anyone who is traveling.