Tin Leg Travel Insurance Review

Last modified: December 12, 2020

Tin Leg is a leading travel insurance company founded by Squaremouth in 2014. All products offered by this company are designed to provide comprehensive coverage to travelers. The coverage includes Medical Evacuation Coverage, Trip Interruption benefits, in-demand Trip Cancellation, and a lot more.

In 2018, Forbes deemed the company’s luxury policy as the ‘best travel insurance for seniors’ primarily because of its high medical benefits, extensive coverage, and competitive prices. Tin Leg’s plans and policies are underwritten by Berkshire Hathaway Specialty Insurance Company

Tin Leg has an award-winning customer support team that provides 24-hour emergency support with sheer dedication. Their customer support is one of the many reasons why Tin Leg travel insurance reviews are mostly positive and beyond satisfactory.

Take a look at this detailed review of Tin Leg Travel Insurance for all relevant details you might need, but in case you require further information, you can always call them at the Tin Leg travel insurance phone number, 844-240-1233.

How We Reviewed 

Our review method is mainly designed to give you thorough information about the company, its plans, and policies.

We explore numerous aspects and elements which help consumers decide whether they should use a service or not. These include:

  • Tin Leg features and coverage types
  • Tin Leg travel insurance ratings
  • Travel insurance quotes under different conditions
  • Data on its financial strength
  • Responsive customer support
  • Comparison with other travel insurance companies
  • Reviews and ratings from user review websites
  • What’s included and what’s not included in its coverage plans 

Where Is It Available?

Tin Leg provides insurance worldwide and is headquartered in St. Petersburg, Florida, within Squaremouth offices. Its service team has international recognition for its undying and dedicated efforts to help customers save their money.

Tin Leg insurance is associated with Squaremouth Insurance, which operates as its parent company. It’s a multi-award winning company that was established in 2003 and is internationally recognized as one of the best travel insurance companies with exceptional customer service support.

Rin Leg Travel Insurance Review

Tin Leg travel insurance offers a variety of insurance plans and packages. The following Tin Leg travel insurance plans aim to cover your travel insurance needs through broad-based coverage options.

Each plan offers different types of coverage. Here are some of the main features that are available throughout each plan.

  • Trip Cancellation
  • Trip Interruption
  • Hurricane & Weather: 
  • Terrorism
  • Financial Default
  • Employment Layoff
  • Cancel for Medical Reasons
  • Cancel for Work Reasons
  • Cancel for Any Reason
  • Emergency Medical
  • Pre-Existing Conditions
  • Medical Deductible
  • Medical Evacuation
  • Medical Evacuation & Repatriation
  • None-Medical Evacuation
  • Travel Delay
  • Baggage Delay
  • Missed Connection

Tin Leg Economy

This is a base-level plan for travelers looking to cover basic travel risks.

This coverage plan includes trip cancellation coverage, in the form of 100% reimbursement for cancellations, as well as any kind of interruptions that might be caused by weather issues or medical complications.

It also offers medical coverage in the event of an emergency during your travel trip. The medical coverage is $20,000 on this plan, but it doesn’t include pre-existing conditions. This is referred to as ‘secondary coverage.’ Additionally, there’s medical evacuation coverage for $100,000, which includes cancellation due to medical reasons.

The economy policy comes with some additional benefits including lost luggage compensation, travel delay, and baggage delay.

Tin Leg Standard

This is a mid-range plan option designed for travelers looking for high medical benefits and extensive cancellation coverage. Tin Leg standard is the best choice if you are looking for savings and broad medical coverage while traveling.

The trip interruption in this option is increased to 150% and includes cancellation coverage for common concerns such as harsh weather conditions, terrorism, and medical problems.

The medical coverage includes coverage for pre-existing conditions only if it is purchased within 15 days of when you book the trip. Additionally, it also includes medical evacuation and emergency medical coverage.

A major difference between the economy and standard plan is that the latter provides higher travel interruption insurance. Also, medical evacuation is double here and is marked at $200,000.

Some added benefits of this plan are terrorism coverage for both domestic and foreign trips, employment layoff, and financial defaults. Lastly, identity theft coverage and Flight Only Accidental Death & Dismemberment coverage of $25,000 are also provided by this plan.

Tin Leg Luxury 

If you are looking for the most comprehensive benefits of trip cancellation, Tin Leg travel insurance luxury is the best option for you. It offers travel delay benefits as well as high emergency medical coverage.

It’s the only plan that allows cancelations caused due to work-related reasons alongside other types of coverages.

One factor that greatly sets it apart from other plans is that it offers medical coverage up to $100,000, which is considered primary and not secondary. The medical evacuation coverage is $250,000 here, and Flight Only Accidental Death and Dismemberment is doubled to $50,000.

Some additional benefits of the luxury plan include missed connection, baggage delay, travel delay, rental car coverage, and luggage loss.

What are its Exclusions?

It’s essential that you know what’s included under a travel insurance plan, but at the same time, it’s also vital to know what’s not covered. Take a look at Tin Leg insurance policy exclusions.

  • Losses occurred due to criminal misconduct by you, a family member, or another travel companion.
  • Dental treatment unless caused by accidental injury to your teeth.
  • Traveling with the intention of getting medical treatment.
  • Losses that occur due to drug influence or other intoxicants except those drugs prescribed by a physician.
  • Emotional or mental disorders 

Customer Satisfaction and Financial Strength Review

Tin Leg insurance has a decent reputation, where a lot of credit also goes to its parent company Squaremouth.

Given the fact that Tin Leg is a relatively new company, it does not have a tin leg travel insurance BBB. However, its parent company, Squaremouth, has an “A+” rating. 

On top of that, the policies for Tin Leg are underwritten by the American Modern Insurance Group, which has an A+ rating with BBB.

You will find very few tin leg travel insurance complaints, which goes to show the approval it has garnered in customers. The competitive prices of the company are highly appreciated and are said to be the ‘least expensive’ for travel insurance.

The comprehensive and elaborate insurance plans make it easy for people to decide on what works best for them.

Customer Support and Reviews 

Customer reviews for tin leg travel insurance have been great, and it has particularly been touted to have the best customer support team among travel insurance companies.  However, it doesn’t have an FAQ section on its website, which can cause a bit of inconvenience to people.

Tin Leg customer service is available 24/7, and if you wish to contact customer support, there are various mediums through which you can gain assistance, including:

Emergency Assistance:

For Use With These Policies: Economy, Standard, Luxury, Adventure, USA Only

Inside the U.S.: 844-927-9265 (Toll Free)

Outside the U.S.: +1-727-264-5657 (Collect Call)

For Use With These Policies: Gold

Inside the U.S.: 844-945-1468 (Toll Free)

Outside the U.S.: +1 519-945-6028 (Collect Call)

Customer Service: 844-240-1233

Email: [email protected]

Tin Leg Claims Handling 

The process of acquiring Tin Leg claims is quite simple and straightforward. All you need to do is follow these steps:

Report Your Claim 

You can report your claim through their online system whenever and at any time you want. If you don’t prefer online, you can also call on 844-240-1233 to file a report.

Complete your claim form

Once your claim has been reported, the company will send you instructions that will help you complete the form. It will require some information such as details of your trip, any losses that were incurred, etc.

Submit your documentation 

Once you complete the claim form and provide all the necessary details, you will be required to submit additional documents. These basically depend on the type of claim and can include things such as medical reports, invoices, receipts, etc.

The claims will be reimbursed to you once your application has been verified.

It takes about 15 business days for most claims to be completed. The company also contacts you every 5 days with updates. When your claim is finalized, you will be informed immediately regarding the status and result of the claim.

Comparison with Competitors 

Tin Leg vs John Hancock 

Tin Leg and John Hancock are both stellar travel insurance companies with a comprehensive and wide range of coverage plans. Perhaps, the types of coverage and prices are where both the companies differ. Tin Leg has particularly been praised for its service towards seniors and providing top-notch medical benefits.

Tin Leg vs AIG Travel 

Tin Leg, as mentioned earlier, has exceptional medical benefits with highly competitive prices, whereas AIG Travels has been praised for its financial strength.

Conclusion 

Tin Leg Travel Insurance Company is quite popular for sure, with some of the best coverage plans and policies on the market.

The company’s policies are advertised as quite affordable and extensive on the medical coverage; in actuality, it falls in the mid-range when it comes to cost. This is mainly because of other companies that offer more medical coverage for less money or even the same. It does have a great reputation among travelers and is known to be transparent because you can easily compare their quotes with other companies. Tin Leg’s process is also fairly simple, which some travelers might find attractive. 

FAQs

Is Tin Leg travel insurance reputable?

Yes, it is extremely reputable, with great ratings and customer reviews.

Does Tin Leg Insurance offer services outside the USA?

Yes, it works globally and is internationally recognized.

How long does it take for claims to be completed?

Within 15 business days.