Tin Leg Travel Insurance Reviews

My trip was in October/November 2024. I purchased a "cancel for any reason policy", approximately $1700.00. On this trip , a flight was cancelled, then able to reschedule for the next day, but as a result I had to pay for a pre-booked night at a B & B in Falkland Islands due to late cancellation. This should be covered in my policy. I have spent the last 3+ months trying to get TInLeg to pay this claim, approximately $165.00. They have asked for a ridiculous amount of documentation, which I have supplied, and still deny the claim. The two friends I was traveling with made a similar request to their travel insurance company, and they were paid immediately , and without having to submit any additional receipts/statements, etc. I feel they have no intention to honor any claim, and they hope that most clients will just "give up trying" due to the frustration and time-wasting tactics they create.

While on travel I called to make inquiries because my husband was injured. I spoke to several different representatives, with several different answers to my questions. That was frustrating.

Agents were very helpful in determining which plan to take.

Claim for a significant amount processed and paid promptly and without any challenges. Very pleased!

I believe i may have changed cruises and when i notified indurance they modified policy promptly.

We had a flight cancellled (philippine airlines)for a duration of 25 hours causing us to miss a connecting flight with a different airline(Cebu Pacific). Philippine Airlines (PAL), ultimately brought in a special plane 25 hours later to transport all the passengers to Manila. Obviously, we missed our flight on Cebu Pacific the previous day. There was an additional motel bill involved as well. I provided a certification from PAL that the flight was cancelled. I also provided the Cebu Pacific itinerary proving I had bought the tickets for myself and wife. Obviously, we were not reimbursed from Cebu Pacific for missing one leg of a round trip ticket due to another airlines cancellation. I attempted to receive proof that I was not reimbursed, but Cebu Pacific would never reply to my emails confirming I did not take the flight. And as everyone knows, missing a connecting flight due to another airlines cancellation will never reimburse. Also, I did provide the receipt, visa statement, and ticket stubs for another airline ticket (I bought from PAL because cheaper and better time) for the flight we missed. Additionally, Tin Leg required "proof" that we were not reimbursed for the hotel on the night that we were unable to keep because of cancellation. The reservation had been made through Agoda and they would not even respond to my emails, less much reimburse us.
I provided more than adequate documentation to insure Tin Leg was fully aware as to what happened. Their requirements for proof of not receiving any credit from the airlines or hotel were impossible to meet. Obviously, they do not want to pay their clients, so they make it almost impossible to provide everything required. I diligently tried!! Our claim was for a measly $321 for both my wife and I.
I have used squaremouth many times in the past, but only once previously did I have a small claim due to a theft. Bottom line, I will never use Tin Leg again. I will think about using Squaremouth.

Did not have to make a claim with trip insurance, that is the best news!

My claim is taking a long time and Tin Leg keeps asking for the same documents over and over even though I have sent them numerous times. I feel like they do not want to pay the claim and they are dragging their feet. I am not happy. I use square mouth twice a year but I do not know if I will use square mouth again.

My trip was canceled due to medical issues with my traveling companion. I did not file a claim because my refund was only around $200. It did not seem reasonable to ask a physician to take the time to fill out all of the detailed medical claim forms for such a small return. It would be helpful to have a simplified claim process for small claims, perhaps a return of premium when the claim is less than the premium?