Tin Leg has earned national recognition for its innovative policies, award-winning customer service, and generous coverage limits. They were recently named the ‘Best Value Travel Insurance Provider’ by USA Today, and Tin Leg’s policies were highlighted for their pricing and coverage limits. With nine different policies available, there are options to choose from for most budgets and trip itineraries.
All Tin Leg policies are comprehensive and offer well-rounded benefits that offer coverage for most travel disruptions. Many of their plans offer more than $100,000 in Emergency Medical coverage, as well as strong protection against cancellations, delays, and baggage loss. Tin Leg also offers policies created for specific trip types, such as Adventure, which offers strong Medical Evacuation coverage and coverage for a wide range of sports and activities.
Tin Leg is known for keeping a strong pulse on the travel industry and continues to enhance its policies to best meet the needs of today’s customers. Aside from being one of the highest-selling providers on Squaremouth, Tin Leg has also earned a customer rating of 4.6 out of 5 stars, making it one of the highest-rated providers on the platform, too.
This provider summary was written internally by a Squaremouth policy expert.
Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.
Tin Leg’s policies have been highlighted by Forbes, Business Insider, and other global publications for their coverage, benefits, and pricing. Most recently, Tin Leg was listed as the Best Value Travel Insurance Provider of 2023 by USA Today, receiving recognition for affordability and traveler protection.
Tin Leg’s award-winning customer service department, dedicated 24-hour emergency support, and revolutionary claims process have established the company as a trusted leader in the travel insurance industry. Tin Leg’s products are underwritten by Berkshire Hathaway Specialty Insurance Company, Starr Indemnity & Liability Company, and Spinnaker Insurance Company.
Policy Description:
Tin Leg’s Economy policy provides cost-effective protection that covers the most common concerns of travelers.
Tin Leg Economy includes basic cancellation coverage, including 100% reimbursement for cancellations or interruptions caused by medical complications or inclement weather. It also comes with medical coverage in case of an emergency during the trip.
Additional benefits that come standard with this policy include Travel Delay, Baggage Delay, and Baggage Loss.
Underwritten By: Berkshire Hathaway Specialty Insurance Company
Underwritten Location: 1314 Douglas Street, Suite 1400 Omaha, NE 68102-1944
AM Best #: 00864
AM Best Rating: A++ (Superior)
Policy Description:
Tin Leg’s Standard policy is designed for travelers looking for extensive cancellation coverage and high medical benefits.
Tin Leg Standard includes cancellation coverage for the most common concerns, including medical reasons, terrorism, and severe weather. It also covers up to 150% of a traveler’s trip costs under Trip Interruption.
Tin Leg Standard’s medical coverage includes Emergency Medical and Medical Evacuation coverage, as well as Pre-Existing Condition coverage if purchased within 15 days of booking the trip.
Additional benefits, such as Travel Delay, Baggage Delay, and Baggage Loss, are included with this policy.
Underwritten By: Berkshire Hathaway Specialty Insurance Company
Underwritten Location: 1314 Douglas Street, Suite 1400 Omaha, NE 68102-1944
AM Best #: 00864
AM Best Rating: A++ (Superior)
Policy Description:
Tin Leg’s Luxury product is ideal for travelers who want the most comprehensive Trip Cancellation benefits, as well as high Primary Emergency Medical and Travel Delay benefits.
Tin Leg Luxury includes cancellation coverage for the most common traveler concerns, including cancellation for medical reasons and terrorism. It also boasts impressive cancellation coverage for inclement weather, with no minimum weather delay before cancellation can be claimed.
Tin Leg Luxury includes high Primary Medical and Medical Evacuation benefits, with optional upgrades available, as well as coverage for Pre-Existing conditions if purchased within 15 days of booking the trip.
Additional benefits, including Travel Delay, Baggage Delay, Baggage Loss and Missed Connection, come standard with this policy.
Underwritten By: Berkshire Hathaway Specialty Insurance Company
Underwritten Location: 1314 Douglas Street, Suite 1400 Omaha, NE 68102-1944
AM Best #: 00864
AM Best Rating: A++ (Superior)
Policy Description:
Tin Leg’s Adventure policy was built with active travelers in mind, offering high medical coverage and comprehensive sports and activities benefits.
Tin Leg Adventure offers $100,000 in Emergency Medical coverage, and $1 million in Medical Evacuation coverage. The medical benefits within this policy can extend to travelers who are injured during sports and activities that are excluded by many other travel insurance policies, such as contact sports, mountain climbing, jet skiing, and snowboarding, among others.
Tin Leg Adventure also offers Trip Cancellation coverage for the most common traveler concerns, including cancellations for medical reasons, weather, and terrorism. In addition to covering unused trip expenses, such as airfare, hotel accommodations, and tours, this policy can also refund unused sports equipment and fees, including lift tickets, green fees, and equipment rentals.
Other benefits, including Travel Delay, Missed Connection, Baggage Delay, and Baggage Loss, are also offered within this policy.
Underwritten By: Berkshire Hathaway Specialty Insurance Company
Underwritten Location: 1314 Douglas Street, Suite 1400 Omaha, NE 68102-1944
AM Best #: 00864
AM Best Rating: A++ (Superior)
Policy Description:
Tin Leg’s Gold policy is built for travelers who are looking for high medical benefits and comprehensive cancellation coverage.
Tin Leg Gold includes $500,000 in Primary Emergency Medical coverage, in addition to $500,000 in Medical Evacuation coverage. Travelers who purchase this policy within 14 days of booking their trip and insure their full trip cost will also be covered for Pre-Existing Conditions.
Tin Leg Gold also offers cancellation coverage for the most common traveler concerns, including cancellation for medical reasons, inclement weather, and terrorism. Cancel For Any Reason is also available as an optional upgrade within this policy.
Additional benefits that are included within this policy are Travel Delay, Missed Connection, Baggage Delay, Baggage & Personal Items Loss, and Accidental Death & Dismemberment.
Underwritten By: Starr Indemnity & Liability Company
Underwritten Location: 399 Park Avenue, New York, NY 10022
AM Best #: 013853
AM Best Rating: A (Excellent)
Policy Description:
Tin Leg Basic is designed to provide travelers with all major travel insurance benefits at a competitive price.
This plan’s conservative benefit limits are adequate for most travelers and keep the premium affordable, offering up to $10,000 in Trip Cancellation coverage and $25,000 in Emergency Medical coverage. Additional coverage is available for Pre-Existing Conditions, as well as Baggage Loss, Travel Delays and Accidental Death.
Underwritten By: Spinnaker Insurance Company
Underwritten Location: One Pluckemin Way Suite 102, Bedminster, NJ 07921
AM Best #: 022321
AM Best Rating: A- (Excellent)
Policy Description:
Tin Leg Platinum is a mid-level plan that can be ideal for larger families, or individual travelers taking longer trips.
Available for travel up to 90 days, this plan covers up to $20,000 in Trip Cancellation coverage and includes high Emergency Medical and Medical Evacuation benefits of $100,000 and $500,000, respectively. This plan is also suitable for those traveling with valuable belongings, boasting a Baggage benefit limit of $500.
Underwritten By: Spinnaker Insurance Company
Underwritten Location: One Pluckemin Way Suite 102, Bedminster, NJ 07921
AM Best #: 022321
AM Best Rating: A- (Excellent)
Policy Description:
Tin Leg Silver is built for travelers who are looking for comprehensive cancellation coverage and high medical benefits, with extensive Trip Delay coverage.
Tin Leg Silver includes cancellation benefits for the most prevalent traveler concerns, including cancellation for medical reasons and inclement weather. Travelers also have the option to purchase the Cancel For Any Reason upgrade.
In addition to comprehensive cancellation benefits, Tin Leg Silver includes $250,000 in Emergency Medical coverage and $1,000,000 in Medical Evacuation coverage. Travelers who buy this coverage within 15 days of their initial trip deposit date have the option to upgrade to Primary medical coverage.
Tin Leg Silver was created with extensive Trip Delay coverage in the event of a quarantine. This plan offers $2,000 per person in Trip Delay coverage after a 6 hour delay.
Additional benefits, such as Baggage Delay, Baggage Loss, and Missed Connection, also come standard with this policy.
Underwritten By: Starr Indemnity & Liability Company
Underwritten Location: 399 Park Avenue, New York, NY 10022
AM Best #: 013853
AM Best Rating: A (Excellent)
The representative from Tin Leg was very helpful and patient with me submitting my paperwork .
The claim refund process was a little slow, mostly because they required 6 months of medical records. It took awhile for the medical group to obtain, copy and mail 81 pages. And another several weeks for Tin Leg to log it in, assign and review. I guess I understand the need to review medical records, but they already had a signed letter from the surgeon explaining the injury, surgery, and that I was not physically able to travel. In the end, I did receive full reimbursement. I don’t, however, like how air travel is handled. Airline insisted to only give travel credits which had to be used within 12 months of booking. Flights were booked 8 months in advance. There was no way I can use the air travel credits by Dec 2024. I have a slow recovery. But since the airline issued credits, the insurance won’t reimburse for lost air travel costs. That’s a catch-22 if your medical issues won’t allow travel within that time.
Buy travel insurance often and most times tin leg or a Berkshire Hathaway product because it meets my needs. First time I’ve filed a claim and though not completed, the filing process was relatively trouble free to complete.
All reviews are from Tin Leg customers
For Use With These Policies: Adventure, Luxury, Standard, Economy, Basic, Platinum
8:00am - 10:00pm ET, 7 days a week
Monday through Friday from 8:00am to 4:00pm ET
For Use With These Policies: Gold, Silver
8:00am - 10:00pm ET, 7 days a week
Monday through Friday from 8:00am to 4:00pm ET