Tin Leg Travel Insurance Reviews

When I called Tin Leg when I encountered a 22 hour delay in my initial flight for a 2 week prepaid Egypt and Turkey tour, I quickly learned customer service was limited to East Coast standard working hours. I used the emergency number seeking guidance....after a long delay was connected...posed my question...another long delay....and was instructed to call during regular business hours. Not my definition of emergency assistance!

The price was reasonable for the coverage and it was easy to sign up and complete the process. I noticed one error in the information after I got the policy documents and was able to get that quickly corrected by customer service. Fortunately, we didn't need to use the 24 hour assistance so I can't comment on that.

We needed to add one more day to our coverage because of an Air Traffic Controllers strike set to start the day we were to fly home. The Customer Service Representative added the extra day to our policy with no increase in cost because this was an event that was out of our hands.

I like the limits in the Tin Leg policy. The price is competitive. I filed a claim on a prior policy with Tin Leg and, with the proper documentation, they paid it in full.
That’s all I hope for when I purchased coverage.

Claim Number 29457-01. Trip dates were 09/10/2024-09/23/2024. I went on a group trip to Spain. I began experiencing severe medical symptoms on 09/11/2024. Over the counter medications were attempted without success. On 09/17/2024 I sought medical attention at Barcelona University Hospital. After triage and over 4 hours in the emergency department, the overcrowding and lack of timely care made it impossible to receive adequate treatment. On the advice of the group leader who is a licensed physician in New York, I changed my flight ticket to 09/18/2024. Upon arrival, I immediately sought treatment at Brooklyn Methodist Hospital as documented in accompanying physician's letter.
I want to note, that while in Barcelona on 09/16/2024 I sent email to emergency@tinleg.com asking for suggestions on how to proceed. The reply came from Justine Birmingham advising me to keep all receipts and medical reports related to my treatment. In his email he said " If you unable to return home as scheduled, please contact your airline to request they change your return flight. That is exactly what I did.

When I had an interview with claim rep Yesenia Illa she told me straight that the claim would not be honored due to trip interruption. That is not in sync with instructions I received on September 16th from Justine Birmingham.

I have concerns how claim was handled. The claim rep conveyed a dismissive and condescending attitude toward the claim from the outset. Such prejudgment undermines the fairness and objectivity of the claim process. Despite that I provided all requested documentation my claim was denied almost two months later. On November 15th, I asked for appeal, same day I hire the attorney. On 11/18/2024 The attorney letter was emailed to Tin Leg Team. On November 18th I received email that my claim was denied from the underwriter. The attorney letter was not even added to documentations.

Today, 11/20/2024 I file a formal complaint with NYDFS. Complaint number is CSB-2024-01622015.

My experience with this company is awful. They are not a people company, only looking to get a profit. Claims Team goal is not reimburse.
They only respond via email with same script from one email to another.

Easy to purchase but we did not need to use the insurance.

Our flight was delayed 6 hours. This was covered by our travel insurance. I filed a claim including details. I received an email requiring me to file the claim again and included requested documentation. I had no confirmation of receipt. Several days later I received another email requesting additional documentation including an explanation from the airline (how do you even get that), an updated itinerary (the trip already happened and it was a delay - there was no updated itinerary), photo IDs, credit card receipt (I had already attached the receipt for the $89 I was claiming).... In the end it was not even worth it. I will never use TinLeg again. Very disappointing.

We liked that it was easy to talk to a person about the policy. There was not a long wait on the phone. Your representative was very helpful and we purchased the travel insurance. Our printer recently stopped working. The representative indicated that Squaremouth would mail us a copy of the contract before the trip. The policy came in the mail the week before the trip.

Easy to acquire

I’m still waiting for my claim to go thru.