Tin Leg Travel Insurance Reviews

I had a trip scheduled in Fall of 2025. However, due to political unrest and domestic terrorism in the country of travel (Ecuador) that trip was cancelled by the trip operator on the day before my departure. I had purchased a TinLeg Gold Travel Plan which purported to provide 100% cancellation refunds for cancellations due to domestic or foreign terrorism (unexpected events). Nevertheless, the claim I submitted was denied. The reason for the denial was that under a separate definitions section of the policy, terrorism is defined to include only terrorism certified by the US Department of Homeland Security. So, despite the fact that the terrorism in this case was formally recognized and called out by the US State Department, and the US Embassy in Ecuador, this trip cancellation was classified as not qualified for refund. It is important to note that the trip insurance policy was scheduled for travel in Ecuador, and that unless the terrorism in Ecuador had posed a direct threat to the United States of America, it would have never qualified for a refund. Certainly, the policy should include a very clear statement that it only covers cancellation due to terrorism that poses a threat to the United States. In my opinion, although the definition of terrorism was included in a separate section of the policy (definitions), claiming that the policy for travel to Ecuador covered foreign and domestic terrorism was misleading and would certainly qualify as false advertising. While I would never consider purchasing trip insurance from TinLeg or SquareMouth again, the general lesson learned is that just reading the SquareMouth policy summaries is not adequate protection for the consumer, you need to literally read the entire document from TinLeg. That document in my case was 26 pages long and did not arrive until after I purchased the policy from SquareMouth. What an eye opening and terrible experience this has been. Buyer Beware!!!

On my recent trip to Japan I experienced a gout flare-up on my left foot. It got to a point where I had difficulty walking, so I called customers service asking for help. I asked for a list of English-speaking doctors in Kyoto that I could visit and get precriptions. Turned out Tin Leg had no such list, and I was merely referred to an urgent care clinic operated by the city of Kyoto. Aside from the potential language barrier, that clinic was quite a distance away from my hotel. I decided to just get the over-the-counter Ibuprofen and cooling patches from a pharmacy closeby. That helped a little. I can't imagine what would happen if I had a more serious condition that needed immediate attention.

Customer is very good

The paperwork they are requiring is beyond believable. I have been pushing doctors and it's been a nightmare all while being twice in the hospital for sepsis.. At this point I couldn't give them any stars.

The process takes much longer than with other vendors, with excessively detailed paperwork. Why is it necessary to submit an ID or driver’s license?

I was entirely pleased with how my claim was handled. The claims staff answered all my questions promptly and clearly, always in a manner that told me they wanted to be of as much assistance as possible. Once the claim was decided I received the reimbursement money very quickly. I don't know how anything could have been better. I won't hesitate to recommend Tin Leg.

The peace of mind from having this insurance was worth it! In my past dealings with Squaremouth, where I did file a claim, they were very helpful and prompt to pay. I believe the company has a good rating, substantiating their service and reliability.

Very good

I appreciated how easy it was to get the required information to Tin Leg for a medical claim. They were able to resolve it within a few days.

I have purchased Trip Insurance through Tin Leg at least 2 or 3 times previous to this latest purchase for a trip scheduled for November 28 -December 7, 2025. I have never had to file a Trip Insurance claim before now. My wife had to be admitted into an emergency room hospital on November 27th. After a CT scan on November 27, an overnight stay, and an endoscopy on November 28. She was told she could not go on her cruise and she was transferred by ambulance to Vanderbilt Medical Center in Nashville where another endoscopy was performed with advanced tools. Amy was diagnosed with a stomach ulcer and was treated and released December 2nd. I am still waiting to receive documents from Celebrity Cruises and Online Vacations Center to substantiate cruise cancellation and refunds and a future percentage of future cruise credit from Celebrity. Celebrity as of 12/11 or 12/12 was offering a 25% credit of cruise cost to be used for a future cruise. I am requesting a higher percentage. I was able to get a full refund of the Allegiant Air travel purchase and a refund from Celebrity for Ship Excursions and add ons. All I need from Tin Leg is coverage for the actual cruise cost minus future cruise credits. It remains to be seen if Tin Leg will follow through with reimbursing me for the cruise cost that is not covered by some percentage future cruise credits.