Reviews, Sales, and Service Ratings for
Tin Leg

To be determined. Tin Leg wanted to wait on all details of our claim until we had returned home 8/10/24. Just returned home early evening.

Thank you for sharing your feedback with us. We understand that your claim was initially postponed until your return home on 8/10/24 to ensure that all of your incurred losses were accurately accounted for. Now that you're back, we've sent you an email to reschedule your claim interview at a convenient time for you. Our goal is to make this process as smooth and efficient as possible, and we're here to support you every step of the way.

Please don't hesitate to reach out if you have any questions or need further assistance. We appreciate your patience and look forward to resolving your claim.

Insurance worked fine and was not needed. However, my sister is on hospice, and we were concerned about possible death before we left to our trip. I was told that travel insurance does not cover this situation. This did not occur, and everything went fine. I guess I can't believe death in family would not justify a reason to cancel trip.

waiting to hear from tin leg regarding claims

So far the experience has been good. It was easy to file a claim including upload of supporting documentation

Thank you for taking the time to share your experience with us! We're glad to hear that you found the claims process straightforward and easy to use. We strive to provide the best service possible, so if there's anything we can do to improve or if you have any feedback on how we can earn those extra stars, please don't hesitate to let us know. Your satisfaction is our top priority, and we’re here to assist you with any questions or needs you might have in the future.

I will be filing a claim, because Delta cancelled our return flight. I contacted Tin Leg to find out what will be covered. The representative could give me general guidance but did not provide specific... the extended car rental, additional, hotel, food, and return flight would/would not be covered. It would be nice if the representative could affirm that certain expenses would be covered while a traveler is in the middle of a crisis after a flight cancelation.

Thank you for reaching out to us and sharing your experience. We understand that having your flight canceled can be incredibly stressful, and we strive to provide the best possible assistance during such challenging times.

Our customer service representatives are here to offer general guidance, but please understand that they are unable to guarantee coverage for specific expenses. Each claim is unique, and coverage can only be determined by our claims examiners upon a thorough review of your policy and the circumstances of your claim.

We encourage you to file a claim so our team can carefully evaluate the situation and determine if it qualifies as a covered event. You can easily file a claim on our website https://www.tinleg.com/report-claim, and our claims examiners will review it promptly.

The policy appears to provide excellent benefits at a reasonable premium for many mishaps that might occur during these turbulent times, and I have used it on multiple trips. Fortunately, I have not had to submit a claim, so I do not know how their claims department handles such claims. .

Selecting the proper policy for my trip was very important: the comments and feedback I got was very helpful in making this decion.

This policy provided me with the confidence I needed to allow travel outside the US

I filed a claim. It was rejected, based on the provision that I was not "stable" at the time the policy was purchased. This is not correct. My surgeon made a good-faith judgment based on my condition on first consultation in February that I would very likely be able to make the trip. However, a post-surgical complication prevented me from going.
I have scoured all the supporting materials I supplied for my claim, searching for some indication that I was "unstable" at the time the policy was purchased. But I WAS stable. Had I known Tin Leg had such a definition of "unstable" so open to interpretation, I would have either not bought the policy or delayed my surgery until after the trip.
I should point out that I have known that I would eventually need this surgery for over 10 years. The trip was a bicycle tour of Nova Scotia. I was continuing to ride my bike and train for this trip literally up to the week the surgery was scheduled.
I do have to complement the staffs of my cardiologist and surgeon for putting up with my repeated requests for documentation. I'm glad they (at least) were pulling for my recovery, which is well underway.

Thank you for reaching out to us and providing detailed information regarding your recent claim. We understand your frustration and appreciate the opportunity to clarify the situation.
After a thorough review of your claim and the supporting documentation, we would like to explain the reasons for the denial in more detail. The policy you purchased includes a 180-day look-back period for pre-existing conditions. Our records indicate that you were seen and diagnosed with your condition within this look-back period.
The pre-existing condition exclusion applies in cases where the insured's condition was not stable at the time of policy purchase. This is one of the critical requirements for the pre-existing condition waiver, and unfortunately, it means you did not qualify for this waiver.
Your claim was carefully reviewed by our underwriter, and an appeal was also considered. Since no new documentation was submitted during the appeal, the original decision was upheld.
We regret that this situation has caused you inconvenience and disappointment. Our goal is to ensure that our policies are clear and transparent for all our customers. If there is any additional information or documentation that you believe might impact the decision, please feel free to submit it, and we will be happy to review your case again.
I understand this has been a lengthy and frustrating process for you, and apologize that your claim did not have a more favorable outcome.