Tin Leg Travel Insurance Reviews

We bought this policy for a 30 day trip to Peru.
We arrived in Cusco and seemed to be handling the altitude well. Suddenly Rick got very sick with repeated vomiting all night long. The symptoms seemed to match severe altitude sickness. I took him to the hospital the next morning where tests confirmed food poisoning. We could have left then but thought it would be better to stay one night and get some IV antibiotics and hydration. We were assured that our insurance had covered the first day and were not planning on a second day.
Early the next morning he was discharged but told we couldn’t leave because they were still waiting to hear from the insurance about day 2. We said there was no day 2 because he’d been discharged. After we had been there waiting beyond the 24 hour mark they said we could leave but might be responsible for day 2 charges.
A summary of charges provided up until that point seemed to show around $300. in charges for day 1 that had been approved. Then a couple days later we were sent a bill for over $1700! Nothing was itemized. All the additional charges were supposedly for day 2. We dispute this all. He was discharged before day 2 began. Day two cost 4 x of day 1 and no services were received after he was discharged at around 8:30 or 9 AM.
We got no itemized bill to explain the huge increase. Plus they harassed us by phone and text for days. We asked repeal or an itemized bill and received nothing.

Their customer support and agents were excellent. I greatly appreciated their software and the claim process from a technology standpoint.

As far as coverage, I am disappointed. My trip was delayed 24 hours due to Sun Country's system malfunction, and my party of 3, all insured by Tin Leg were left to cover our expenses and miss work. $2000+ in losses. But Sun Country system failure wasn't considered a trip delay or a travel interruption in Tin Legs small print, so they weren't able to cover the $500ish we claimed.

3/5 for the pedantic parsing what is considered a delay or interruption, but great people and tech.

Squaremouth has been a good resource for selection of travel insurance. Direct interactions with Tin Leg were handled efficiently.

Awful experience, took multiple weeks to satisfy requests for receipts only to find out that an excuse was found at the end to deny it. Doctor diagnosed a sprained ankle and inability to walk - regardless claim was denied. Will be filing a complaint and share on social media!

Have used tun leg for travelers insurance for several years. They have always been helpful and easy to deal with. Even when we had to make a claim.

I was disappointed with the support provided by the assistance number. In a major city (Bologna) the only doctor referral they could give was for two very large local hospitals, nothing for a private practice o a specific English-speaking doctor. It was clear that the person I was talking to didn't really understand that the addresses were for hospitals. In the end it turned out fine, but I was expecting something a little more than just "go to the hospital."

I have used Tin Leg multiple times.Rates are very good and customer service is excellent. The staff is always very helpful answering any questions. I have heard very positive things from friends regarding their experience also.

Tin Leg did a great job handling my claim. They were very prompt and kept me advised along the process. I would definitely buy travel insurance from them for future trips.

Professional and Knowledgeable customer reps

It takes minutes to purchase a Tin Leg policy. Just hope you never have to make a claim. If requirements are satisfied, you will get reimbursed, but be prepared to jump through hoops with dogged determination.

I had a four-week trip planned that had to be canceled for medical reasons. I had to submit 37 different documents which included airline receipts, airline chat communication, doctor letters and then additional doctor reports, and online chats with various lodging providers.

Each time I thought I had finally uploaded all required documents, a new request for missing documentation would arrive via email.

The claim took approximately 7 weeks to be approved. Be prepared to work for your money!