Tin Leg Travel Insurance Reviews

Filed a claim for a clinic visit in Japan which was paid after documentation was submitted.
First time that I filed a claim and I am satisfied with response.

The representatives are truly wonderful. Please commend them.

I have used SquareMouth many times for travel Insurance because of website ease of use, and many different policies can be viewed and compared. I always buy travel Insurance with my many travels but this is the first time I actually filed a claim with Tin Leg. I purchased Tin Leg policy on May 14 2024 for my 2 months trip to Asia starting Oct 3 2024. Due to sudden diagnosis of severe heath issue of my family member I cancelled the trip on late July 2024. I was pleasantly surprised that Tin Leg process for claim was straightforward and prompt.

The process was still tedious which is understandable. You need to be organized and kept all records.
I cancelled all hotels, flights, tours, and cruise. Many I booked are with free cancellation. However I incurred penalties monetary lost with flights and cruise
Records of purchases, cancellations and losses, health issue that prompt the cancellation were submitted through email.

Tin Leg responded to my claim & questions promptly and though roughly. My claim was approved for the amount I claimed. Tin Leg was also flexible to accept medical record that my family member's health provider would provide. Tin Leg sent a form for the medical provider to complete but the health provider refused and stated that they can't. It is also understandable that the Healthcare provider can only provide complete medical records from their system on file.

Filing a claim process is not something I would want to do with travelling. However, I am glad that my Tin Leg travel Insurance works the way it supposed to work. I definitely will consider Tin Leg over other travel insurance for future travel. I can recommend Tin Leg and will buy Tin Leg travel insurance with confidence.

Get service. Easy to work with the website.

Glad I didn't need the insurance!

Claim process was very thorough. This is both a positive and a negative. Positive in that the claim was paid, negative in that the process seemed very laborious when compared to another carrier I used for a portion of the claim not covered by Tin Leg.

Fortunately, no problems on trip excepting for delays on takeoff from Newark, United's fault; takeoff from from Newark on return flight, FAA problem. All else went well.

My initial claim has been denied. Here is a clip from the summary document for my plan:

Policy Detail - 53-TLG-F5B-BA6AE
Policy Number: 53-TLG-F5B-BA6AE
Insureds:
Donna Quaidy - DOB 01/28/1958
Gregory T Quaidy - DOB 12/11/1956
Medical Coverage Information
Medical Deductible: No Medical Deductible
Accident & Sickness Medical Expense: $500,000 per person, Primary coverage
Emergency Medical Evacuation & Medically Necessary Repatriation: $500,000 per person
Pre-Existing Condition: Covered
Policy Provider
Tin Leg
Underwritten by Starr Indemnity & Liability Company
Trip Information
Departure: 09/07/2024
Return: 09/27/2024
Name of Plan: Tin Leg Gold
Amount Paid: $1,638.00
Total Trip Cost: $22,00

As you can plainly see it stays “Pre-Existing Condition: Covered

No asterisk, footnote, etc. Yet my claim is being denied due to a Pre-Existing condition. I had surgery in late May and would not have been able to travel comfortably when I purchased the policy in June for a September trip. My surgeon and I both felt I would be ready by September but, as it turns out, I needed a little more time and needed to cancel for that and some family illness (Donna’s mother hospitalized).

At this point I will NEVER visit the Squaremouth site again and will advise everyone I know in travel and otherwise to avoid it as well since they do not provide connections to reputable, honest suppliers for travel Insurance.

I was very satisfied with Tin Leg. I called customer service several days prior to trip departure to ensure that there was nothing else I needed to do to ensure coverage. I would suggest an email to insureds saying something like: "You're trip is next week! Here is the contact information should you need to reach us or file a claim. Enjoy your trip."