Reviews, Sales, and Service Ratings for
Tin Leg

So far so good, I was pleased that they answered their phone promptly and their rep Tyler was very helpful. I started the claim online and submitted as much of the documentation as I could. I was concerned with questions regarding other insurance such as Medicare etc, the reason I chose their policy was because it’s medical coverage was “primary”. Hopefully I will be able to do a follow up survey and report quick resolution to my claim.

Your statement that the majority of your claims are being handled within 15 days is definitely exaggerated. I filed a relatively simple claim on August 26th as I could not go on the trip because of a medical condition. However, my claim has not progressed beyond the initial filing although I submitted all necessary paperwork with the claim. Additionally, my interaction with the customer service rep that handles the claim has been minimal. Also, reviews that have less than a 5 Star rating selected create error messages and cannot be submitted. Considering the amount of money I paid for the policy, this type of customer service is more than disappointing and I would not recommend Tin Leg to any of my friends.

Thank you for sharing your feedback. We understand how important it is for claims to be processed quickly, especially in challenging situations like yours.

We’d like to clarify that claims are finalized within 15 days of receiving all required documentation. In your case, some additional documentation was necessary to move forward. Our examiner has been working diligently to assist you, including contacting the airline on your behalf to ensure you received the necessary paperwork and providing guidance on rejecting the credit to pursue a cash reimbursement, as per your preference.

We appreciate your follow-up and are glad to hear that Delta has refunded you. With this final update, your claim is on track to be resolved very soon.

Regarding the issue you mentioned with submitting reviews, we take concerns like these seriously. Our team is investigating this to ensure all customers can provide feedback without any technical difficulties.

Thank you for your patience as we finalize your claim. If you have any further questions, please don’t hesitate to reach out directly. We’re committed to ensuring a positive resolution.

This is a ridiculous policy. I bought the policy as an adjunct to a seminar I plan to attend - NOT A VACATION! The seminar was canceled. The organizers of the seminar gave us a full refund. Why I couldn’t get a refund on a policy I purchased almost a year before the scheduled departure date is wrong. If a policy is purchased along with trip insurance and the reason for purchasing the policy was to attend a seminar then it should be redeemable if the seminar is canceled. Not just if the flight itself is cancelled on the scheduled day of departure. I have bought policies with you before, but I won’t again. Nor with the parent company! I simply lost $700.

Thank you for sharing your feedback with us. We understand how frustrating it must be to face unexpected costs, especially when your seminar was canceled.
All of our policies come with a built-in money-back guarantee, allowing for a full refund if canceled within the policy’s specified review period. This period provides a chance to assess the coverage and make adjustments, including cancellations, if plans change. Once this window has passed, the policy remains active, and the underwriter assumes the risk. When a travel insurance policy is purchased, coverage begins immediately for specific unforeseen events that could disrupt your travel plans, even if your trip hasn’t started yet. For example, if an unexpected event—such as illness, injury, or other unforeseen issues—arises after the policy is active but before your scheduled trip, you may be eligible to file a claim based on that coverage.
This early coverage helps protect you against certain risks from the moment the policy is purchased, providing peace of mind that you’re protected, not only during your trip but in the weeks or months leading up to it. This is why a policy is considered active right after purchase, as the underwriter is taking on the risk from that point forward, regardless of your actual departure date.
We hope this clarification provides some context around why policies can remain active even for events outside of travel cancellations, such as a seminar cancellation. If you have any additional questions about coverage options in the future, please don’t hesitate to reach out.

Days before leaving we were in a hurricane and left ahead of it. Named Milton and ordered to evacuate. Agent could not tell us if we came home to protect house if trip was covered due to not knowing what inhabitable meant… terrible! Left us in a total stressful situation not knowing coverage after paying $1200!!!!!

Thank you for taking the time to share your feedback. We understand how stressful it must have been to face an evacuation due to Hurricane Milton, and we apologize for any additional frustration caused during this challenging time.
Our customer service team strives to provide clear and accurate information based on the details outlined in your policy’s certificate. However, it’s important to note that our agents are not licensed claims adjusters and, therefore, cannot make determinations about coverage or guarantees regarding claim outcomes. Coverage for events like evacuation and returning home depends on specific policy terms, including the definition of "inhabitable," which is ultimately reviewed by the claims department during the claim's review process.

Square mouth was ckear and easy to use and customer service helpful when I had to make a change.

We will see how good running is. I paid for trip and my friend had to cancel. I still went though theoretically i could have cancelled too. It was a last minute cancel due to health. She was determined to go until doctor’s note xed it. The refund shoukd be straightforward. Hoping they do not bury me in redundant paperwork.

We were forced to cancel our trip to Madeira Beach Florida because of Hurricane Helene (one of the most devastating hurricanes in US history). Were scheduled to arrive on Wednesday, September 25, which was the same day that Pinellas County Florida issued a mandatory evacuation order for area A sections of the county, which included all of Madeira Beach. We were able to get refunds from the airline and resort on most of our expenses except our non-refundable airline seat upgrades on Southwest Airlines ($140) and a processing fee from our condo ($55). Tin Leg refused to reimburse us for those expenses because our "lodging accommodation being located in an evacuation zone is not a covered peril in your policy." This is the most ridiculous conclusion imaginable. How are we supposed to lodge in an area in which the government has demanded that we leave. Our accommodations were in an area in which the government issued a warning that the storm surge was likely not survivable. My recommendation is not to use Tin Leg for travel insurance since they are unwilling to reimburse their clients for an obviously justified trip cancellation. They are in the trip premium collection business, not the trip "insurance" business.

Thank you for sharing your experience and feedback regarding your recent claim. We understand how challenging it must have been to change your travel plans due to Hurricane Helene, especially under such severe circumstances.
In reviewing your policy, we found that the cancellation reason does not align with the covered scenarios outlined in the plan. Although Pinellas County issued an evacuation order, our policies provide coverage only for specific, named situations, such as a direct impact to the insured accommodations, or interruptions to travel by common carriers due to inclement weather (other than named storms), among others. Unfortunately, while your situation involved a named storm and an evacuation, neither falls within the covered reasons under this policy.
We know this is disappointing, especially when you’ve taken steps to protect your trip with travel insurance. If you have any further questions or would like assistance finding a policy that better suits your needs in the future, please reach out. Thank you for giving us the opportunity to review your claim and provide clarification.

McKenzie was very helpful. It is apparent that your customer service is far above the norm.

An interview with the claims adjuster has been made.

I tried to contact the 24-hour assistance several times could not get through. And my emails were returned. I then became suspicious about the company and policy. I will not be purchasing another policy with your company.

Thank you for reaching out, and I apologize for the difficulties you experienced in trying to contact our 24-hour assistance team. We understand how frustrating it can be not to reach support when it’s needed most.
Upon reviewing our records, we were unable to locate any calls or emails from your contact information in our system. It's possible there was an issue with the email address used, which could have caused your messages to be returned. We’d be happy to confirm the correct contact details with you to ensure any future needs are promptly addressed.
Please let us know if there’s anything more we can do, and thank you for your feedback—it’s invaluable in helping us improve our services.

I am working wi5h the claims department now. Exceptional follow up.

We never had to use the insurance but felt better knowing it was there. All documents and proof of insurance were readily available after purchase.