Tin LegReviews of tinleg.com

I purchased the “cancel for any reason“ policy within the required 14 days of booking my trip. Unfortunately, I had to cancel and when I filed my claim, they made me jump through all kinds of hoops. I’ve been going back-and-forth with them for months now. Finally, they said that I didn’t qualify for the cancel for no reason policy that they sold me because I had transferred money to my friend who was organizing the trip five days before she booked the hotel. So therefore I had purchased the policy 15 days from what they are considering the booking date rather than 14 days. This is absurd. If they are going to sell people policies, they need to make sure that people can actually use them. There shouldn’t be a discrepancy in how we define the booking date is. The booking date is the date that the hotel received your deposit and booked your reservation. But in order to deny my claim, Tin Leg is saying that the booking date is the date that I transferred the money to my friend who is organizing the trip for all of us. If TinLeg was serious about honoring claims they would require proof of booking date PRIOR TO taking your money to make sure that you were on the same page as to what constitutes a booking. At the point that I had transferred the money to my friend, my deposit was still refundable. It was only after it exchanged hands with the hotel, but it became nonrefundable. Clearly, their business model is to not pay Claims.

Tin Leg refused to pay trip delay claim using the excuse that the Pilots "timed out". This is not a valid reason for Tin Leg to pay out the expense for hotel and accommodations that were required due to the fact that the flight was cancelled and moved to the next day. The REASON the pilots timed out was because weather delays in DFW caused the arriving flight (and plane to be used) to be delayed by 8 hours at Cabo airport. Once it landed, the pilots "timed out" and could not return until the next day. YES, the pilots officially timed out, but the REASON/CAUSE was due to severe weather delays. Tin Leg refused to acknowledge the actual reason.

In 2023, TinLeg told me I could put my policy on hold for up to one year due to the turmoil in the middle east. So I did. Now that tours have started going to this area again, I called to have my policy activated. I was told they were not writing policies for tours in this area anymore. I did not want to transfer the policy to somewhere else and asked for a refund. I received a whopping 36.00 when the policy cost was 376.00. They just stole my money.

My luggage was lost for at least 6 days, but they refused to pay for the luggage or the items that were in the luggage. They are really really bad insurance company, please dont believe them and never buy travel protection insurance from them.

I'm submitting this review here because Tin Leg/Squaremouth refused to post it with their other "unbiased reviews" on their own website. We've bought travel insurance for years for all the same reasons you are contemplating purchase now. When our folks were elderly with health issues, we protected vacations in case they got sick. Now we are older with health issues of our own to consider. Look closely at most of their five-star reviews from customers who purchased a travel policy but never actually had to make a claim on one. Like them I've had five star PURCHASE experiences over the years, fortunately never needing to make a claim. In January we traveled to Vietnam, insuring our trip with a Tin Leg Platinum policy (sold by Squaremouth) for $1,733. The end of our journey was marred by the delay and then cancellation of our final flight on what became a 49-hour grind from Saigon to Charlotte, North Carolina. Our policy covered "trip delay maximum of $150 per day per insured." Our delay was well over the six consecutive hour minimum required to make a claim on the policy. Our only extra expenses were two small airport meals totaling $47.18. The monetary cost of delay was insignificant but initiating the claims process appeared simple, so I decided - what the heck, let's see if these policies really cover anything. I started a claim with a company called Robin Assist Claims and then submitted the requested documentation: receipts for meals, original flight boarding passes, revised boarding passes, and then new passes for the new flight. Several days later I received a letter from Terri H, senior claims examiner for Robin Assist, requesting a letter from the airline stating the reason the flight from Washington Dulles to Charlotte was delayed. On page 24 of my policy, it clearly states common carrier delay as a qualified event for reimbursement with no conditions. It's almost impossible to contact a major airline and get a human on the phone, much less request or receive a letter explaining a flight delay. This was fairly clearly a delay and denial tactic designed by Robin Assist to stymie and frustrate claimants, hoping they go away. Well, MISSION ACCOMPLISHED guys. I recognized this scam for what it was, cut my losses, and sucked up that big $47.18. So this was my experience seeking less than $50 in damages. Imagine trying to claim thousands of dollars on a canceled flight, cruise or vacation? Clearly Tin Leg and their associated claims agents recognize the primary function of insurance companies is the collection of premiums - NOT The payment of claims. The silver lining here: no more expensive and worthless travel policies from this company for us! We will happily blow that extra money on a few good meals or a nicer hotel. You too should consider redirecting your hard-earn travel dollars towards something with actual value.

Absolutely a total scam. Why did I purchase trip interruption/cancelation insurance if they’re not going to pay it out. Bad Weather canceled the first leg of my trip, to which the airline agreed and paid without question, a refund on my flight ticket. Not these people, they are a rip off and a scam. All documentation requested by them has been provided… Four times! Their policy was very clear about covering exactly what happened to me, but no, endless requests to provide the SAME information again and again, and again and now they want it AGAIN. They intentionally delay and frustrate you so that eventually you will give up on trying. This is the biggest scam going. They are not legitimate, don’t waste your money. I’m also going to contact the Better Business Bureau and my states attorneys generals office about this. It’s obvious these people operate a scam and refuse to help anyone even with a legitimate claim. It’s nothing but a criminal enterprise skimming money from unsuspecting and trusting travelers. Don’t believe me, look at the other three dozen reviews, exactly the same.

Sent in a claim, it was left at the post office, never picked up by the claims adjusters. When we called them and told them their response was, " we don't go to the post office that often". The package had been sitting , waiting to be picked up for over three weeks! It had one day left to be picked up before being returned but they made no effort to go get it. According to my post office account it was returned but only to the main post office in Dallas and not to us in California. All the hospital records, forms, receipts , etc. are now lost and have to be collected all over again. To say we are unhappy is the an understatement. This is not a company to be trusted.

These people are SCAM! they advertise to but the insurance within the 14 days of your booking and you can cancel with no questions ask ! but we are going through 6 months back and forth with them and provided all the information they need and they still are asking for me!!