Reviews, Sales, and Service Ratings for
Tin Leg

Claim has not been finalized yet so am withholding judgement on process until completion.

I purchased cancel for no reason travel insurance, so I paid extra for that coverage. When I had to cancel my flight thru united, tin leg told me they would not pay me under the “cancel for no reason” as united already gave me united flight credit to use. I bought the insurance so I wouldn’t get flight credit but instead get some of my money back in case I needed to use it and tin leg gave me the same exact thing I already could have received directly from united airlines…which is flight credit! Why buy the insurance if you’re gonna get something the airline will already give you. I got taken in the insurance and now have $2200 in flight credit I have to use by myself by February 2025….and to top it off, I have to use all the 2200 altogether for one purchase or I lose what I don’t use. That honestly is worse than having bought the ticket directly from united without insurance. I would be in a better place and saved the insurance cost. Tin leg has bad policy and coverage in this field and I am very disappointed and Fustrated with this decision.

Thank you for sharing your feedback. We are sorry to hear about the frustrating experience you had with the claim process.
I have discussed your claim with our claim team to gather more information about your claim. It appears as though we could have done a better job explaining your options concerning your claim. I understand that the credit offered by the airline is not an adequate solution. If the airline allows you to reject the credit, we can request an appeal on your behalf with that documentation. Your claim adjuster has reached out via email explaining this option and is available to assist with any questions in the meantime. We appreciate your patience and hope to make the process smoother for you moving forward.

coverage for excursions was not clearly understood in the policy
The customer agent was helpful
Texas traveler insurance doubled in cost, too expensive
received no discount for multi-travelers if travelers are from different states (even though 3 policies were purchased at one time for the same vacation/family members)

I returned home from Greece on the 18th. Today was the 25th and I still don’t have my luggage. Fed ex has now delivered to wrong address and I must file another case. First with airline now with Fed Ex. I inquired about a luggage delay claim with Tin Leg and of course they argue that I don’t qualify for any compensation. It appears like all insurance it’s a major scam and ridiculous to even purchase. They take your $ but do everything in their power not to pay.

Thank you for sharing your feedback with us. We apologize for the frustration you have experienced throughout your baggage delay.
I understand that your baggage delay occurred on your return home. Baggage delay benefits are designed to provide reimbursements when the unexpected happens during your trip to allow you to purchase essential items during your delay, and unfortunately, it does not include delays on your return home. We understand that this may seem strict, but these guidelines are in place to maintain fairness and consistency for all our customers. We regret that this situation has caused you inconvenience and hope this explanation clarifies the travel insurance benefits. We value your business and feedback and will use it to improve our services and communication.

This company is a scam. United Airlines canceled my flight due to a pilot shortage, which caused me to miss the first two days of my tour. I filed a claim with Tin Leg and provided them with proof of my expenses. United did not give me compensation but a $75 voucher valid for one year, which I reported to TinLeg. I did not receive any other refunds.
TinLeg's tactics are crystal clear-they deliberately prolong the claims processing by repeatedly asking for the same and new information. Their aim is to make the process so tedious and burdensome that a person would be overwhelmed and eventually give up. This is not just unethical, it's potentially illegal. They even had the audacity to demand that I prove a negative, a task that any intelligent person knows is impossible.
I'm ready to file a complaint with the Texas Department of Insurance.
I am utterly dissatisfied with Tin Leg and I am now questioning the integrity of all your insurance carriers. If they all operate in such a deceitful manner, one might as well not purchase travel insurance because effectively, there is no coverage. It's nothing but a rip off.

Thank you for sharing your feedback. We are sorry to hear about the frustrating experience you had with the claim process.
I have discussed your claim with our claim team to gather more information about your claim. I understand that your claim is still in process and we require the booking invoice, along with any correspondence from the tour company confirming that you did not receive a refund for the missed days. Insurance is highly regulated, and documentation is required, for any claim. Your claim adjuster is available to assist and has sent you a follow-up email explaining in detail the need for the invoice to support your claim. We appreciate your patience and hope to make the process smoother for you moving forward.

Too much details are needed while being on the travel to make a claim. probably wont buy it here again

Thank you for sharing your feedback with us. We apologize for the frustration you have experienced throughout the claim process.
I have discussed your claim with our claim team to gather more information about your claim. I understand that your claim is still in process and we require additional documents to support your claim and confirm the coverage of your policy. Insurance is highly regulated, and documentation is required, for any claim. Your claim adjuster is available to assist and has sent you a list of which specific documents are needed to support your claim. Please do not hesitate to reach out to us anytime. We appreciate your patience and hope to make the process smoother for you moving forward.

Pls see my complaint against Tin Leg filed with CA Dept of Insurance.
Case #
8589203

Thank you for sharing your feedback. We are sorry to hear about your Department of Insurance complaint and we will be sure to provide an official response.
In the meantime, I have discussed your claim with our claim team to gather more information about your claim. I understand that your claim is still in process and we recently submitted an appeal to the underwriter with additional information received on your claim. Your claim adjuster is available to assist and has sent you a follow-up email explaining in detail the appeal process. We appreciate your patience and hope to make the process smoother for you moving forward.

I had to pursue them for follow ups. End result was less than acceptable, and not understandable. If you have to purchase clothing because your luggage is delayed, you are only reimbursed for purchases per day. So if you you know your luggage won't arrive for 2 days, you must buy clothes each day, not at same time. Make sure those undies and socks are purchased on different days if you want them reimbursed!

Thank you for sharing your feedback with us. We understand your frustration and appreciate the opportunity to address your concerns regarding the "Baggage Delay" benefit on your policy and your recent claim experience.
Our aim is to provide clarity and transparency with our policies, and we apologize for any confusion that may have occurred. Allow me to further explain the "Baggage Delay" coverage as it pertains to our policy.
The "Baggage Delay" benefit is triggered once the airline has declared that your luggage is delayed for a minimum of 24 hours. Once the benefit is triggered, the coverage allows for a maximum of $200 to be reimbursed, which is broken down in your policy document by a $100 daily limit. We understand that this may seem strict or inconvenient, but these guidelines are in place to maintain fairness and consistency for all our customers.
We regret that this situation has caused you inconvenience and hope this explanation clarifies the basis of our decision. We value your business and feedback and will use it to improve our services and communication. I understand this has been a lengthy and frustrating process for you. If you have any further questions or would like to discuss this matter in more detail, please don't hesitate to contact us directly. Thank you for your understanding and for allowing us to clarify this situation.

I had to call custo.er service and they were very accommodating , knowledgible, and helpful.

They asked for additional information several times but it was all reasonable and obtainable and once they had everything they processed and paid the claim very quickly. I would definitely use them again.