Tin LegReviews of tinleg.com

We will never use Tin Leg again. No idea how they have good reviews. They refused to pay a very small claim so imagine what they'd do with a big claim. My husband got Covid in Ireland and Tin Leg refused to reimburse him for the test kit and over-the-counter medicine we bought, a small total amount. The clinic our hotel called had said to buy a test kit and do the test. He did, it was positive and so we went to a walk-in clinic the hotel suggested. The front desk perso ushered him out without examining him saying go back to hotel and isolate and take paracetamol OTC med. for symptoms. Tin Leg would not reimburse his costs saying he needed a doctor's note. Upon return to US, he saw a dr. for persistent symptoms and we sent that medical summary. Tin Leg still refused to pay a penny. We wont' be using them again. UPDATE 10/18/24 - Despite Tin Leg's response on 10/18/24, I stand by my review. Sorry, but i made it very clear that the clinic in Ireland would not see my husband as they ushered us to the door and told us to isolate at hotel and take OTC med (Paracetamol) for his Covid symptoms so we have no clinic doctor note or record except from the dr he saw when we returned to the US. Tin Leg still rejected the claim for the covid tex and Paracetamol.

We made a two-part claim. One for minor medical due to a temporary lung infection. Tinleg reimbursed. We filed a 2nd and much more costly claim when our connecting flight Dublin-LHR was cancelled due to AerLigus pilot strike. Knowing we would be stranded and unable to fly back to U.S.. we immediately purchased much more expensive replacement tix on British Air. Without these replacement tickets, we would have had to miss and rebook our LHR-SFO flight home, costing, no kidding, $10,000 easy. Yet. Tinleg denied claim for the replacement connecting flight DUB-LHR, saying essentially "policy does not provide coverage to rejoin a trip". What? If we did not purchases replacement tix for cancelled flight there would be no trip to "rejoin". Unfair policy, clearly intended to penalize independent travelers who often do what we must to make it home with strikes, overbooking, limited flight schedules, etc. I hope Tinleg rethinks their unfair decision. We have used TL since its inception, and recommended it to many others, now, not so much. Perhaps worst of all, when we emailed and called to ask how to appeal this bad decision, no one returned our calls, including the agent in Claims who handled it. In California, consumer protection laws require the right to appeal. Guess now we file a complaint with County Attorney where we live and CA Office of Consumer Affairs, BBB, etc., etc. Tinleg, is a few hundred bucks, compared to the thousands we have paid in premiums over the years,really worth it?

I wish I could give negative stars, I bought this insurance for a solo backpacking trip. This insurance was marketed to me as a good insurance for solo backpacking. I got sick and was hospitalized, after filing my claim I was denied because I did not have a return ticket booked by the time I left for the trip. Never once did they say that when I was signing up for the insurance, they simply asked my return date and nothing else. Only in the fine print do they mention that for about half a sentence. It is ridiculous, I bought insurance for a certain period of time and was under the impression I was insured for that time cause that’s how insurance works! But since I didn’t have a return date these emotionless ass wipes won’t approve my claim. Most solo backpackers don’t have a return date! It’s not even for that much, I promise tin leg will lose out on more money from lost customers then if they just approved my claim! I already convinced 4 people to go with other companies! And will continue to do so

My elderly brother was recently diagnosed with terminal cancer. I decided to cancel my vacation to help him prepare for the time he had left. The insurance stated if a family member was hospitalized with a life threating condition, they would cover. I toId my brother I was taking time off of work, and he allowed his doctor to send me a letter stating he was recently hospitalized with a life threating condition. TinLeg received it, but said that was not good enough, and demanded his medical records including his medications, etc. I don't want my brother to know I am cancelling my vacation or on the hook for losing money. I don't want to break HIPPA laws, but believe it or not, TinLeg suggested a way I could get his records without my brother even knowing about it. I have that in writing. Shame on them!! I refused and apparently they will not honor my claim. Very disrespectful and intrusive.

I will never buy a Tin Leg policy again. This is the third time I have had a claim under $500 that went unpaid. Twice they made it so difficult as to what they wanted that it was impossible, and I gave it up. This last time I was more persistent, and yet I was denied a legitimate claim. My daughter was on a cruise for her 21st birthday. Prior to departing she had had allergies and a cough. She went to see an urgent care the day before her travels, and they prescribed her a steroid pack. Two days later on the cruise she had an asthma attack. She has never had an asthma attack in her life. She was seen by the ship's doctor twice. Tin Leg refused to pay for the medical bills, I also invested countless hours gathering the required information that they wanted only to have this denied. It was ridiculous. I would avoid them like the plague. In response to their response, an asthma attack is a different diagnosis than allergies with a cough hence why I believe it should have been covered. Alternately, if we had decided to not have her go, there would have been no guarantee you would have paid. If we had run the risk of submitting a claim and you paid the claim, the claim would have been around $3000 for my daughter and her friend. This was two visits on the ship less than $500. Regarding the two previous claims, the first was denied because I didn't have the ship's doctor's NPI number, only to discover later that ships' doctors don't have an NPI number because they are foreign doctors. When my son's flight was delayed causing him to miss his connection and need to spend the night in Texas, they didn't cover his hotel because we didn't have enough proof that the flight was delayed and were told we should have taken pictures/screenshots of delay information. The airline unfortunately, was not able to help us with providing the proof they required. In hindsight, I should have tried Flightaware, and maybe that would have been sufficient. So much wasted time, energy and money on insurance that is near impossible to collect on when you actually need them. I buy travel insurance two to three times a year, and I am now rethinking whether I should even buy it. I ended up getting Medjet membership which isn't true travel insurance but would help if we were hospitalized to get us back home. I hope others who read this review will at least get some help in knowing what to expect if they have to make a claim and perhaps alternatives. I truly don't know if it is better with any other company. About 17 years ago, we had a claim but I can't remember the name of the company. My husband tore his retina requiring surgery about a month before a trip to the Galapagos Islands. The doctor wrote a letter saying that although he could physically travel, his eyesight would be impaired and he would not be able to enjoy the trip and could be hazardous if he went on hiking excursions, so the insurance company paid the entire bill. That was one situation where travel insurance paid off.

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 in Paris, 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 (!!!) and the hotel wasn't prepaid. What's the point of travel insurance if legitimate losses aren't covered based on policy terms that are written in such an unreasonably narrow and restrictive manner as to make it easy to deny claims?

Our luggage was lost on our connecting flight, after 10 days, we drove 1 hour, 1 way to the airport (in Colombia, South. America) and finally found our luggage. during the 10 days, we purchased other necessities, shoes, and clothes. tin leg would not pay for anything. We saved all the receipts. However, tin leg always had another hoop to jump through. We never could get a late luggage receipt from the airport, so Tin Leg never processed our claim. If you have a claim, I suggest you go through the state insurance agency to file a claim.

They have been a nightmare to work with. Asking for follow-up documentation after follow-up documentation. They need a separate confirmation from the airline that we didn't get on our connecting flight when our outbound flight was cancelled and we connected through a different city the following day. Every time I think we have everything sent, they reply back with some other random minutia. Our claim should 100% be an easy case and they are being SO difficult.