Tin Leg Travel Insurance Reviews

This is the second claim I have had with Tin Leg. The first was for about $5000; the second only $170. Both were handled quickly and satisfactorily.

All things considered, the claim process was fairly easy. We're glad we'd chosen the primary medical option. We were not reimbursed for the transportation cost to and from the hospital emergency room. Reimbursing that medical-related expense would have earned Tin Leg the highest score.

The Squaremouth site provides a convenient and user friendly tool to compare the travel insurance policies of several different companies and select the appropriate coverage for the trip. We selected the Tin Leg Standard policy for our trip to South America. We had to cancel our trip due to medical reasons. When I contacted customer service to get assistance and instructions on filing a claim, the representative sent an e-mail stating that the claim forms were attached, but there was no attachment. I wrote back to her, again requesting the forms, and this time she sent the wrong forms (Seven Corners vs Tin Leg, although the forms seemed identical except for the logos). During a phone call to customer service, I was instructed to download and complete the proper Tin Leg forms. I completed the claim forms, sent the claim by registered mail, and received confirmation from the postal service that the claim was delivered on September 21. I received nothing from Tin Leg. In early October, I contacted customer service by e-mail and provided our change of address, as we were returning to our winter home in Arizona. I received an e-mail response advising that our claim had been updated with the address change. For the next 5 weeks I heard nothing from Tin Leg.....no request for more information, no status of the claim, nothing. It was very disconcerting to hear nothing for such a long period when dealing with what for us, was a very large amount of money and a straight forward claim. A simple, short e-mail advising that no additional information would be required and the claim was being processed would have been appreciated and appropriate. On November 6 a check for half of the claim amount arrived. It had been mailed to our old address and then was forwarded to our Arizona home. Three days later, a second check for the rest of the claim arrived, also forwarded from the old address. The EOBs attached to both checks state in the remarks section: "Letter has been sent under separate cover." It is a week later, and no letters have been received.
The comments above are not serious complaints, just my observations and concerns. It may be that in today's impersonal, digital way of doing business, customer service and keeping the customer informed are not a priority.

My claim experience with tin leg has been a disaster. Unfortunately because of a emergency medical problem I had to cancel my trip. I forwarded the necessary claim forms by US mail. They claimed they could not find them. I than scanned and Emailed the forms in question. My follow up phone call advised that they needed proof that I was not reimbursed by the airline for my ticket cancellation. In the meantime I forwarded an additional claim for hospital expenses which they received on 10/21/2015 as per signed receipt.

I received this letter dated 11/2/2015 :

"Our office is in receipt of your claim form. Unfortunately, during our research, we found that you did not purchase travel insurance for this booking # 27421773. Enclosed is the original documentation that was submitted to our Company.
We are sorry for the inconvenience.
Sincerely,
Claims Support (Is)"

In speaking to Amanda in claim, they were not aware of the above letter sent to me, but still insisted the need proof that I was not reimbursed from the airline before they could honor my claim.

I sent her an Email, suggesting that she check the copy of my airline ticket purchased through Cheap O Air, stated that this ticket was non-refundable and I included the customer service phone number to Cheap O Air (845) 664-6186) .
In a follow up call to Amanda, she claimed a phone call to Cheap O Air in reference to my ticket was not acceptable. she needed it in writing.
I'm still waiting for a response to my claim.

I would recommend them for travel insurance. Professional and easy to work with

I was forced to cancel a trip to Italy before I left because I developed sciatica and couldn't walk. I filled out a claim form and submitted it to Tin Leg with associated receipts which proved my expenditures. I received a refund check which covered all of my expenses within a few weeks. It should be said that the claim form were completely reasonable - not onerous. One short section of the form had to be filled out by my doctor.

I spoke with Tin Leg's customer service department before I purchased the insurance and in the course of filing my claim. I found them to be professional and competent. In summary, my experience with Tin Leg was excellent. They performed exactly as I hoped they would. Don't be put off by the name "Tin Leg" (I was, at first). They're for real!

Note for Tin Leg: Your review form asks the question, "Please rate your experience with Tin Leg during your trip." Unfortunately, one must enter a star rating of 1 to5 to submit a review. I suggest that "N/A" be a choice for people who cancel before going on their trip (like me).

Tin Leg was immediately contacted upon our return home. My husband's luggage was delayed more then 24 hours.
The customer representative gave us incorrect information as to the required forms. We were not told we had to
have receipts for any replacement purchases. We filled out the forms and submitted the paperwork to Tin Leg.
It was a nightmare having to deal with American Airlines to give us the documentation of a delayed bag; we even
had to contact our hotel in Bogata, Columbia, to support our claim of a delayed bag. Over three weeks w.et by
wihout any communication from Tin Leg. We called and were told they had not received the receipts. By this time
receipts had not been kept. Customer Service was not pleasant and said that without the receipts, we would not
be reimbursed. Needless to say we have Tin Leg for the next two trips but will not ever do business with this company.
We have used other companies and when a claim was submitted, the claim was quickly and efficiently handled.
Tin Leg needs to properly train its representatives and communicate with its policy holders.
Sandra & Roy Aders

Unfortunately, we were unable to take the planned trip due to emergency surgery (triple bi-pass) on my husband several weeks before departure.
While still recovering from shock of this medical emergency, I contacted Tin Leg and explained the situation. Carmen, in Customer Support, was very
helpful and sent me a link to your claim forms. They were straight forward and simple to complete. The refund was promptly processed.
My husband is recovering nicely and it was great that Tin Leg did not add stress to the situation. Unfortunately, you only hear about the bad
experiences people have with insurance claims. That cannot be said for your company.

I would use your services again and will certainly recommend you to fellow travelers. Thank you, Mary McCurdy

"For travel that occurred August 6 - 16, 2015. During that time, my bags were delayed 5 days. Upon filing a claim with TinLeg, I was informed that, as a result of an expense report that was paid by Delta, my claim was denied. From my understanding, I was to receive coverage for a baggage delay, not an expense report. I would like to proceed with receiving a refund for the fees I paid out for insurance because the company did not deliver on the purpose of the purchase according to their policy of baggage delay fees. "

We are still completing the paperwork for the claim.