Reviews, Sales, and Service Ratings for
Tin Leg

Your customer service employees are always friendly and helpful. Great experience! Will use again! Thank you!

I got Covid and a doctor’s note telling me not to travel 2 days into it per CDC guidelines. We were honest and rebooked for a week later. The claim was denied. Had I just lied and said I cancelled it supposedly would have been covered but it’s doubtful. In any case, the company is inherently dishonest about the policy. I won’t be using this company insurance any more

Thank you for sharing your feedback and bringing your concerns to our attention. We are sorry to hear about the frustrating experience you had with the claim process.
We understand how disappointing it is to miss your initial travel plans due to illness. We carefully reviewed your claim, and we were unable to approve it as the Airline Ticket Change Fee benefit was not in effect at the time of your loss.
We strive to provide clear and comprehensive coverage details to our customers. We apologize if our policy terms did not meet your expectations in this instance.
Your feedback is valuable to us, and we will use it to improve our services and policy communication. I understand this has been a lengthy and frustrating process for you, and apologize that your claim did not have a more favorable outcome.

I was generally very pleased with the travel insurance we purchased, although it was fairly expensive, perhaps due to our ages.

I fell and fractured and dislocated shoulder while vacationing in China in March of this year. The traumatic injuries necessitated surgery in China. I reported this accident to Tin Leg while in China and filed a claim form upon returning to CA. After 3 months of emails, , the Claims department did not translate any of the medical records to English even though they had possession of them since day 1 of the claim. Tin Leg Claims then used the excuse of “the medical records unable to be translated “ to delay further by contacting the doctor and hospital in China.

I purchased this travel insurance in good faith, never wanting to use it. Unfortunately the accident caused serious injuries to me, a 77 year old woman who needs help to pay bills incurred. It is beyond bad business practice for Tin Leg to take no action to translate the medical records since March,, and now in July Tin Leg is using another delay tactic saying they are contacting the hospital. How ridiculous and deceitful is it for Tin Leg to take my money for a travel insurance policy, knowing that I was vacationing in China, and doesn’t have the infrastructure to translate Chinese documents. I have not heard from Tin Leg since July 8. I am frustrated, sad and anxious.

I respectfully ask for assistance from Squaremouth and Tin Leg executives in getting Tin Leg Claims to pay my well documented and legitimate claim under the policy.

Thank you for sharing your feedback. We are sorry to hear about the frustrating experience you had with the claim process.
I have personally reviewed your claim with our team to understand the specifics of your situation. I recognize that your claim is still in progress and that we have requested additional documents to proceed.
Regarding your concerns about the translation of Chinese medical reports, we apologize for any confusion. While we do have the capability to translate these reports, the copies we received were unfortunately too blurry for our translators to use. We understand how important it is to avoid delays, and we are currently making efforts to contact the treating doctor in China to obtain clearer copies on your behalf. We understand how frustrating it can be to submit multiple documents. Due to insurance regulations, certain documentation is required and we are committed to making this process as smooth as possible for you. Your claim adjuster is here to assist with any questions or concerns you may have during this time.
We truly appreciate your patience and are dedicated to resolving your claim as swiftly as possible. Thank you for allowing us the opportunity to address this matter.

Buyer beware. As a result of the cancellation of our flight on the day we were supposed to leave for Paris, the airline's inability to get us on another flight until 2 days later, and the fact that it was too late to cancel or modify our hotel reservation, we were charged for 1 of the 2 nights we missed at the hotel, and we lost prepaid nonrefundable museum tickets. Although there was absolutely nothing we could do about the situation, which was unforeseen and completely outside our control, Tin Leg denied our claim based on the fact that we hadn't left for the airport yet when our flight was cancelled (!!!) Our Zero Complaint case was also denied. Tin Leg's policy terms are so narrow and restrictive that financial losses resulting from common travel problems aren't covered. This policy was a complete waste of my money.

Thank you for sharing your feedback and bringing your concerns to our attention. We are sorry to hear about the frustrating experience you had with the claim process.
We understand how disappointing it is to experience unexpected travel disruptions. We carefully reviewed your claim, and we were unable to approve it as the trip delay benefit was not in effect at the time of the loss. Although you mentioned non-refundable hotel costs, our records indicate that the hotel was not prepaid. For reimbursement eligibility, the expenses must be prepaid and non-refundable as outlined in our policy.
We strive to provide clear and comprehensive coverage details to our customers. We apologize if our policy terms did not meet your expectations in this instance.
Your feedback is valuable to us, and we will use it to improve our services and policy communication. I understand this has been a lengthy and frustrating process for you, and apologize that your claim did not have a more favorable outcome.

Affordable for coverage

I bought a travel insurance from Tin Leg to cover our family trip to Peru in May. Following our visit to Machu Picchu, my husband started to feel very unwell and we decided the next morning to ask the hotel to call for a doctor. It turned out that he was suffering from a pulmonary edema (diagnosis confirmed by x-ray). Luckily he didn't have to be hospitalized, but the doctor prescribed him a number of medications, and came back that night to check on him again. For the 2 doctor visits in our hotel room, the transfer to the medical center, the x-ray and the medications, we were charged about $280. Back home, we filed a claim with Tin Leg since medical emergencies were covered by our policy. We were initially impressed by how simple the process was. We went online, answered a few questions, uploaded all the documentation we had: a detailed receipt from the clinic, a copy of the doctor's prescription and even a copy of the x-ray, stating my husband's full name, date of birth and the date the x-ray was taken. A few days later, we received an email from Tin Leg asking us to provide a copy of my husband's passport, as well as a copy of our credit card statement showing the payment to the clinic. We immediately submitted everything and thought that this time we were done. But then we were asked to provide the itinerary of our trip. We sent a copy of the email confirming our flights from Lima to Cusco (the only confirmation that we could easily find since we had deleted everything after our trip) but that wasn't good enough, we also had to submit a copy of the confirmation of our flights from the US to Lima. It was becoming very clear by that point that Tin Leg were either trying to delay our reimbursement, or find a reason to decline our claim all together. And the requests kept coming: could we provide medical records showing the symptoms, the diagnosis and the prescribed medications? We had already sent the doctor's prescription, as well as the x-ray, showing the fluid in the lungs, confirming the diagnosis of pulmonary edema. We didn't have any other medical records. We saw a doctor from a small clinic in the Sacred Valley of Peru, what other medical records could we possibly have? We got really angry and complained that all the documents we had already submitted were more than enough to prove that we had a medical emergency while on vacation in Peru. After weeks of email exchanges, Tin Leg finally approved our claim. It took another 8 days to receive our money. It wasn't a big deal since the amount was less than $300 but what if it had been thousands of dollars? We are not happy with this experience and will make sure to select another travel insurance next time we go abroad. Tin Legs have a good rating on Squaremouth but if you read the reviews, you will see that most people who left them didn't even file a claim, the good reviews are based on people's experience purchasing the policy online.

Thank you for sharing your feedback. We are sorry to hear about the frustrating experience you had with the claim process.
We understand that the time taken and the number of documents requested can be overwhelming. However, please know that these steps are necessary to ensure that all claims are handled accurately and that we can provide the best service possible. We aim to process every claim efficiently while adhering to industry standards and regulatory requirements.
We appreciate your patience throughout this process and are glad that your claim has now been finalized and approved. Your feedback is invaluable to us, and we are continuously looking for ways to improve our processes and communication.
We hope you will consider Tin Leg again for your future travel. We value your business and are committed to serving you better in the future.

I was devastated when I had to cut my trip short when my non-traveling wife was injured just days before my epic Italy trip. Luckily, I was able to salvage 1/2 of the trip and felt that the process with my claim through Tin Leg was quite easy. I spoke to one person once before filing the claim, who was very helpful. Everything else was handled easily via email and on-line with uploading the documents for my claim. All went smoothly and I'm a satisfied customer. I highly recommend!

Stuck in Italy. Tin Leg offered advise regarding starting a claim.

Kind, helpful service representative.