Tin Leg Travel Insurance Reviews

TinLeg denied my legit claim and based on the BBB complaints and trust pilot reviews it is clear TinLeg is doing this for a lot of legit claims. Scammer insurance company all the way down. Easy to buy a policy that is actually useless insurance.

We had good experience with Tin Leg Insurance when travelling.

My husband had severe pain in his side half way through the cruise. We went to Medical and not wanting to go to a Jamaican hospital for a CT scan the medical staff treated the pain as a kidney stone. For 3 days til the end of the cruise, he went to medical for a 1 hr IV of pain and antibiotic medicine. After 1st treatment, pain subsided immensely and he was able to enjoy the rest of the cruise but could no longer drink because of medicine. The ship credited us the remainder costs of the drink package including mine!!!! That sucked!!!

This could have gone alot worse. I am very happy with the way Tin Leg paid the medical costs. Sent in the information they requested along with all the paperwork from Medical which was quite extensive. This was a primary pay policy. In less than a week the claim was approved! Thank you very much!

Chris
wife of the patient

Very pleased with the service. Have used the service for multiple trips. Will continue to use Tin Leg.

Before filing the claim I called Tin Leg and discussed the situation that occurred on my trip to see if it even pertained to the coverage I had purchased from them (cost of $1,737.12) I was told that it sounded like it did so I did all of the steps requested for them to review the situation that occurred. I have no problem with the denial I received but I could have saved a lot of time not going through the lengthy collection & submission of the details. I was trying to avoid that by calling first (especially since I was also visiting my mom in the hospital). I called Tin Leg on Jan. 5, finished submitting everything on Jan. 10, and my mom passed away on Jan. 12. I would have preferred to spend that time with my mom, not wasting it on a claim. In any event, the part that is leading me to even do this review is the language in one of the paragraphs in the denial letter. It was insulting to me and left me feeling like Tin Leg’s opinion of me for submitting the claim for review was seen as a negative against me, a judgement of my integrity really. I would have never gone ahead with the claim if the person I spoke with on the phone had told me up front it didn’t qualify. Besides this trip, I have used Tin Leg in the past, but I highly doubt I will in the future.

We didn’t have to file a claim, which is great, but we felt good knowing we had the protection.

Very knowledgeable, friendly & I was surprised at how affordable

In early September I tripped on a broken flagstone walkway and fractured my femur on the sixth day of a planned 28 day trip to northern Italy for two weeks, then Poland for two weeks. I was taken by ambulance to a hospital in a rural section of the country, where only the surgeon spoke English. I was operated on the next morning and spent nine days in the hospital, then nineteen days at a rehab facility, for a total of 28 days of in-patient medical care. (Side note: Medical care in Italy is excellent. My local surgeon said the Italian surgeon did a perfect job on my bone.)
My husband immediately called Tin Leg Assistance to let them know what happened and to find out if he needed to be doing something in particular to ensure our subsequent claim would be approved.. Since I was already in medical care for a traumatic injury, there really wasn't anything for Tin Leg to do, other than to acknowledge the issue and tell my husband to continue with the medical care and do what he had to do. My husband had to rent a hotel room and a car for a month so he could get to the rehab facility which was six miles away. Uber and taxis are insanely expensive in northern Italy, so renting a car was cheaper.
Our policy included a term extending the end date of the policy by seven days in case of medical necessity. The rehab facility got me in good enough shape to board a plane and fly home the day the extension expired, so I could continue rehab at home. If I had had to stay longer, I would not have had medical coverage for additional days, which is a critical point as Medicare does not cover overseas travel. Another critical point is that Tin Leg reimburses the insured and doesn't pay the hospital directly. We had several credit cards with us and were able to charge everything, then pay off the cards without incurring interest charges. I don't know what Tin Leg would have done if one were not in that fortunate of a financial situation.
Once home, we had a long intake phone call with a Tin Leg representative, were assigned a claim number and given direction as to how to make the claim. We were able to cancel everything in Poland at no charge. We claimed hospital, rehab and medical equipment expenses, forfeited group tour costs, car rental and hotel, meals, upgrade to business class home for medical reasons, forfeited airfares to Poland and Paris. We scanned and uploaded to the Tin Leg claim site a four-page letter summarizing each element of the claim, and over 90 pages of attachments - medical records with signed doctors' orders for care; invoices, receipts and credit card proof of payments for medical care, hotels, food, car rentals, air fares, as well as letters from the tour company and airlines certifying our lost monies. We broke up the claim into about 8 separate PDF files, so they easily loaded onto the website.
Tin Leg had a couple legitimate questions about the lost airfare; we had to get emails from the airlines that we were not receiving credits for unused travel. Final result: full reimbursement for all medical expenses, lost tour days, lost air fare, upgrade to business class coming home, and reimbursement for car and hotel expenses up to the maximums in the policy. The net is we were reimbursed expenses totaling in the mid-five digits and were out about 10% of the total spent as a result of my fall. Although we were on pins and needles as to how much was going to be reimbursed, Tin Leg came through within the 15 business day period they advertise after we gave them the additional information they requested. Also, all medical records, receipts etc. were in Italian and we were not required to translate anything ourselves. Tin Leg really came through.
It's insurance and they are in the business of making a profit - don't expect payment for something for which you don't have a receipt and proof of payment. Don't expect to be paid for something because a pharmacist told you to take it. Don't expect payment for an item if you receive any kind of future benefit from the expense. Be prepared to bare your soul to be reimbursed. Perhaps most important of all - READ and understand the policy before you buy it and go on your trip so you know what to do in case something bad happens, and what paperwork you'll need for a claim. There are many, many items and circumstances for which trip insurance doesn't pay, but a medical incident isn't one of them if you have the right paperwork. It also helped that this happened it Italy, which has excellent universal health care, and it happened at the beginning, not near the end, of our trip.

We had no interaction with Tin Leg while on the trip, no rating...1star. We filed a claim on our return. Awaiting a response from emailing the claims forms and support documentation.

Tin Leg is an excellent outfit to compare and select Travel Insurance. I spoke with Susie, the SquareMouth Travel Insurance Customer Service Rep, and she was very helpful answering all my questions on different coverage for an extended cruise overseas. Will definitely use SquareMouth for all future travel insurance needs! Thank you!