Tin LegReviews of tinleg.com

Very easy experience! Cheaper than others.

Easy to compare plans. Have not traveled yet, but hopefully, I do not need it.

Buyer Beware! Despite their promotional material touting their policy as “Comprehensive” and “Extensive” coverage, Tin Leg won’t cover your costs associated with travel cancellations and delays that occur during your trip. They only cover cancellations or delays affecting the initial arrival leg of your trip or the final departure leg of your trip. They do not cover anything adversely affecting travel legs in between those two events including weather delays and cancellations. In addition, they base your insurance premium on the “entire trip” costs which include the middle leg travel, hotel & event costs. This is very misleading and unfair. Choose another insurance provider!

Easy to use and purchase. Lots of information, but not a lot of suggestions or recommendations for those that don't travel often.

EASY TO USE, CLEAR INSTRUCTIONS

Ease of filling out the forms, getting answers from a rep.

Holiday on Greek Island of Crete. Bad accident.....9 broken ribs, punctured lung, multiple breaks of collarbone. I had $250,000 in Medical Air Evacuation insurance. Taken to Crete Interclinic Hospital. Very small, run down hospital (have pictures of places where flooring was worn through to floor boards). I was in the "ICU" (I have pictures). This hospital is not on the U.S. Embassy's STEP program, listing approved hospitals. I had to pay my own hospital bills (10 days) on my credit card, as Tin Leg stated they would not pay because bill not itemized. I had to make arrangements with my credit card company (from ICU) to have bill paid. Hospital was going to discharge me if not paid! I called them several times regarding medical air evac. Tin Leg NEVER called me. I received a text while lying naked in my feces in ICU that I was receiving "adequate care." I texted back asking what parameter they used to make that decision......still waiting on answer. I arranged from my hospital bed my own air evac.....Tin Leg stated I needed doctor's recommendation for discharge. Doctor claimed I had pulmonary embolism. After air evac to University hospital here in the states, the doctors told me I DID NOT have pulmonary embolism, and the Crete doctor did not perform correct tests to make the decision. My air evac team of doctors did not have a problem with me flying. I made all arrangements from my hospital bed. Had arm bound because arm I could use had IV's. Bending to use phone caused fluids not flow, alarm would go off. Nurses got tired of it. I had to become very creative to keep phone to my ear. Visitng hours were 12:15p.m. to 12:30p.m. My travelling companion could only stay longer if wiping my butt, or helping me eat. After 5 days in ICU and going to regular room I was put in diapers. I have pictures of my rear end.....I can barely stand to look at the pitted mess. My evac delayed because of the Middle East turmoil that had just occurred. I was an additional 8 days in state side hospital, then transferred to 6 weeks to an inpatient rehab, then 8 weeks with in home PT, OT and R.N. visits. Finally, 2 months of 3X week of outpatient PT. Tin Leg finally paid hospital bill months after discharge. Denied $170,000 out of pocket air evcauation. Stated Crete doctor did not approve. They never acknowledged my state side doctor's report regarding the non-existence of pulmonary embolism. I procured a lawyer. Short version.....Tin Leg states you must go to arbitration in New York City. My attorney sent the necessary information to the American Arbitration Board. The AAB replied that Tin Leg was out of compliance, including requiring a trip to NYC for arbitration hearing, among other things. Tin Leg needed to change some other language in their policy before the arbitration would be heard. Tin Leg refused. My lawyer asked what arbitration board they found acceptable. Never got answer. As a result, my lawyer stated we would have to fight the arbitration battle before considering going to court.....possibly years before settlement, and lots of money. Tin Leg offered $125,000 settlement. I asked for $150,00 and I would sign "gag" order. They countered with $130,000 for "gag" order. I refused. Settled for $125,000. In the final settlement, they still included "gag" order, which my lawyer struck out. My accident happened in October, 2023. I am just now speaking out because the check finally arrived and is in the bank. Tin Leg stated they arrived at $125,000 because that is what it would have cost them for evacuation. The final insult was requirement to sign IRS paperwork to have settlement reported as income! My travel company highly recommended air evac insurance because of the poor quality of the Greek hospital system, particularly on the islands. Tin Leg, an international travel company should certainly have been aware of this, but did not care. Also, note that you doctor must also state that they can not provide care needed. Really? How many doctors will do that? I used a large portion of my retirement to get myself state side. Good news I am alive. I truly felt I would develop an infection, etc., and die. The protocols there were a far cry from U.S. hospitals.

The best way to find travel insurance!!! Using it for years. Thank you Tin Leg