Tin Leg Travel Insurance Reviews

This is the only terrible experience I ever had with a travel insurance company.
I cannot summarize the entire story herein, as it is discussed in details in my email exchanges with the company.
I shall just say that my claim was ultimately denied, on the distorted ground that the pre-existing condition exclusion waiver would not apply to my trip loss, despite the language of their policy clearly indicating otherwise.
Tin Leg's insurance policy provisions governing pre-existing conditions unequivocally covered my case, and, as a matter of fact, I had singled out that specific insurance policy exactly for POTENTIAL, not necessary, medical situations arising from such conditions.
I laid the inconsistency of Tin Leg's case bare in a conclusive and irrefutable manner.
I must emphasize that I travel extensively and I frequently take out similar insurance policies. This is the ONLY time in my life I was ever denied an insurance claim.
I could not indict the conduct of Tin Leg enough, and I will make sure the company receives the worst possible publicity worldwide.

Excellent customer service and excellent coverage. I thank you so much for this. We had a wonderful trip with no problems at all- and peace of mind because of this coverage -thank you very much

The claim was processed according to the policy, and both Tin Leg and Squaremouth handled the process professionally. However, the outcome highlighted a significant gap between how the coverage is presented and how it works in practice.

The policy references up to $500 in baggage coverage, but a damaged suitcase, arguably the most essential travel item, was limited to a $100 payout due to item categorization. While technically correct, this is not how most customers would reasonably interpret that level of coverage when purchasing a policy.

As a frequent traveler and long-time Squaremouth customer (15+ years, 35+ policies), this experience raised concerns about whether the coverage provides meaningful protection in common real-world scenarios. I would strongly encourage others to review the fine print carefully before relying on this benefit.

The issue was in purchasing the policy. Even though my husband and I were traveling together most of the time the first week I was solo. I purchased our policy together, as I did not see any explanation that both departure dates and return dates needed to be the same. This should be spelled out. I ended up before our trip started taking out another policy just for him with his dates (they were shorter but I was told he would not be covered because he left home a week after I did) I did talk to a customer service agent before the trip who explained that he would not be covered, and she did a good job following up. A short explanation on your website that all departures and returns need to be exact same date would be helpful to others.

Trip canceled for medical reasons. About 3 weeks refunds were received but the amount of paperwork required was excessive.

Gratefully, I didn’t have any need to file a claim but I traveled with peace of mind knowing I had a good policy in place.

My flight back was canceled the rebooked for three days later. I had to stay at a hotel in Nairobi for three days and pay all my own expenses because the airline would not give vouchers.
I have been having a hard time getting the claim processed. They keep asking for the same paperwork over and over saying I need to upload it to the original claim but it won't let me access the original claim. I have been having to do this through email. What should have been very straight forward for them to verify the flight was canceled has turned into a nightmare.

Definitely recommend and will continue to use for future trips.

Uneventful journey....no problems. All went well. Glad I was covered just the same "just in case".

It was easy to purchase the policy. We’ll see how useful it is if/when I get reimbursed for medical expenses. The process for getting reimbursement is crazy. Way too much documentation required for a simple claim. I have uploaded almost a dozen documents proving that I received medical care and that the cruise and the medical costs were paid for. Seriously, how could I have even been on the ship if I hadn’t paid for it?? I realize they have to be mindful of fraud, but this was ridiculous.