Tin Leg Travel Insurance Reviews

Horrible. This is a scam company they cover nothing and I have reported them to the BBB and the local government insurance fraud agency. If you’re trip is cancelled they will do everything in their power not to pay out, they don’t care if you have a legitimate argument, they don’t lie when they’re selling to you and they do not care for costumer. No complaint guarantees a lie.

I am trying to file a claim for a very small amount of money. I contacted Tin leg a day after my trip (Oct 19 is when I contacted tin leg )and was informed someone would be getting in touch me within 48 hours. I am still waiting. The problem- my husband scraped his head on the boat tender. He required some medical care from the cruise ship's doctor. Can you help me get in touch with tin leg?
Thank you,
Toni

Tin Leg needs to make adjustments to the language in their policy descriptions. We purchased a policy for our October trip to the Gulf, which we do every year since it is hurricane season. I read all of the coverage offered and made sure to read through the certificate of coverage, and purchased the package that would cover our trip in case of cancellation/interruption due to inclement weather. Also worth noting, we have used SquareMouth to find and purchase our policies in the past. This has been by far the worst travel insurance experience we have ever had.

A few days before our trip, a hurricane was forming in the Gulf of Mexico and was predicted to hit our exact destination the night before we were scheduled to arrive there. I spent HOURS on the phone trying to get confirmation that if our trip was cancelled due to the impending hurricane, we would be reimbursed. Customer service was not at all helpful, though they were patient with my persistent questioning of the wording of their policy. We were told that a hurricane is not, by Tin Leg's definition, considered to be "inclement weather", which was the entire reason we purchased a policy in the first place.

I purchased the policy well before the trip, before there were any named storms, and when I started to get nervous that our trip would be impacted by the impending hurricane, Tin Leg was absolutely not helpful. I have never had an experience with a trip insurance company where they were not allowed to tell me if a certain situation would be covered by my policy. Tin Leg told me over and over again that I could file a claim and find out.

It is extremely misleading to the consumer to show that a policy covers cancellation due to "inclement weather", yet to state NOWHERE in the purchasing process that a hurricane is not covered as inclement weather. We are not new to the trip insurance game -- we have purchased insurance for 20+ years, and I have never in my life been misled in such a way.

When I asked to be upgraded to the policy that actually covered hurricanes, I was instead told that I could cancel my existing policy for a full refund. Why would I do that?

When I asked to speak to a supervisor, I was told it would take 2-3 business days to hear back from someone, and if we did end up needing to file a claim, it would take 15 business days to be reimbursed. That is also something I have never come across -- we have had to make a claim for trip cancellation with other companies, and they were very quick to reimburse us which then allowed us to change our reservations and salvage our trip. If we would have had to file a claim with Tin Leg, we would not have been able to do that.

I will never use Tin Leg again, and I will be sure to tell everyone we know not to use them either.

Peace of mind.

My experience was generally good. I did find it necessary to call for further information to clarify some pricing and timing issues, but received prompt and efficient help.

Great price

Would be great if the page for submitting materials allowed you to upload more than one document per section. I appreciated all the follow up and communication from the customer service team. Once claim was approved, the payment was prompt.

I enjoyed the help and direction received on how to file a claim.

Excellent and pleasant customer service every time I travel.

Everything was great with our trip except when we arrived in Boston from Dublin, we found out that our flight home to Richmond, VA had been cancelled. At first, we were told it was weather, then we were told it was air traffic. After finally sorting our that we would be unable to fly home until the next day, I called Tin Leg to find out if we had any coverage before we decided to book a hotel room. I was told we would have $150 per person if the flight was delayed more than 6 hours which it was. That wouldn't cover a hotel in Boston, but it certainly was reassuring so we decided to book the hotel rather than spend the night in the airport. When I filed the claim, I was told air traffic was not a covered event with the insurance. I was also told the customer service representative said that it might not be covered. (I don't recall that, but she may have.) When I looked at the policy, it did not state that air traffic wasn't covered, but it also didn't state that it was. I thought purchasing travel insurance helped with flight issues that the airlines don't cover. Anyway, a disappointing outcome with our first travel insurance experience. I would have spent the night in the airport if I thought the hotel would be totally our expense.