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Tin Leg Travel Insurance Review: Is it Worth the Cost?

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Table of Contents

Tin Leg Travel Insurance plans and costs

Which tin leg travel insurance plan is best for me, can you buy a tin leg plan online, what isn’t covered by tin leg travel insurance, is tin leg travel insurance worth it.

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Claim approval can be lengthy.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Whether you’re traveling domestically or internationally, by car, plane, train or anything in between, Tin Leg travel insurance can protect your trip. The company offers coverage for trip cancellations, medical emergencies, lost luggage and more.

If you’re considering insurance options, here’s our Tin Leg travel insurance review of what types of plans and coverage are available, what’s not included and which plan to choose for your next trip.

Tin Leg offers nine different travel insurance coverage policies. Prices vary for each depending on your itinerary and trip costs, but as an example, we searched for plans using a sample itinerary for a $2,000, 1-week trip to Australia for a single, 35-year-old traveler from Arkansas.

The Basic plan ($61) is exactly what it sounds like: a policy for low-risk trips. It includes coverage for trip cancellation , delay and interruption , plus missed connections, emergency medical and evacuation, and lost and delayed luggage coverage.

The Economy plan ($80) is similar to the Basic plan, but it offers less emergency medical and evacuation coverage and no coverage for missed connections. It includes coverage for certain concierge services.

The Standard Plan ($96) offers a slight upgrade to Basic and Economy plans by offering coverage for domestic and international terrorism, plus it will cover trip costs if you have to cancel plans due to a layoff. Compared with the Basic plan, there’s less emergency medical coverage but the same amount of evacuation coverage .

The Luxury Plan ($105) , unlike the other cheaper policies, offers primary, not secondary, medical coverage, plus you can be covered if unforeseen work situations require you to cancel a trip.

The Adventure Plan ($129) also features primary medical coverage and work-related cancellations, plus more lost luggage insurance than the Luxury plan, coverage for accidental death and dismemberment during the trip (excluding flights) and extra coverage for delayed sports equipment. It’s also the only plan that offers medical coverage for adventure activities like mountain biking.

The Silver Plan ($98) looks a lot like the Standard plan but with over eight times more emergency medical coverage (more than the Luxury and Adventure plans, too) and five times more medical evacuation coverage. It also has larger payouts for travel delays and lost luggage.

The Gold Plan ($113) offers more emergency medical coverage than the Silver plan, but less medical evacuation, travel delay, and baggage delay and loss coverage. It also offers accidental death and dismemberment benefits (excluding flights).

The Platinum Plan ($79) is similar to Gold, but with less emergency medical coverage than both Silver and Gold. It offers an allowance for work-related trip cancellations and flight-related accidental death and dismemberment.

The USA Only Plan , as the name implies, is for travel within the U.S. It offers fewer specialty coverage than other plans. For example, there’s no coverage for terrorism, fewer reasons you can cancel a trip and less emergency medical coverage.

When comparing Tin Leg travel insurance plans, there doesn’t seem to be much rhyme or reason as to which plans offer the most benefits or the largest payouts. For example, just because a plan is more expensive or has a seemingly better name doesn’t mean it automatically offers you more protections across the board.

Instead, the only way to figure out the plan that’s right for you is to compare them all, look at the plan details, and decide which features and coverages suit you and your travel style best.

In general, you might consider more comprehensive plans for longer, more complex trips with higher likelihood of interruptions or cancellations. And you'll want to consider plans with better medical coverage — especially emergency health services — if you're planning anything adventurous.

Finally, if you have a premium credit card such as the Chase Sapphire Reserve® , you may not need a plan that offers similar coverage as the card already in your wallet.

» Learn more: Airline travel insurance versus independent travel insurance

To choose a Tin Leg plan, go to tinleg.com , select “Get quotes,” enter your trip information, select “Search now” and compare the various plans available. Just make sure to read the policy details before you buy.

You can filter plans by coverage options, too, including weather coverage, travel delay insurance limits and primary medical coverage.

As for what isn’t covered, that depends largely on the plan. But you can assume that, unless you opt for the Cancel For Any Reason upgrade, you won’t be able to just change your plans because you feel like it. Likewise, for most policies, injuries that result from participation in extreme sports, like rock climbing, aren’t covered, nor are incidents that occur when you’re under the influence of alcohol or narcotics.

Routine or elective medical services, like eye exams or cosmetic surgeries, aren’t typically covered either. Treatment for pre-existing conditions is only covered in a few plans, so check the details of your policy if that’s something you require.

» Learn more: The best credit cards with built-in travel insurance

Tin Leg travel insurance offers many plans suited for most types of travelers. But since most of the plans cover a collection of different things with varying coverage limits and payouts, you’ll likely have to compare all of the details to choose one that fits your needs.

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Tin Leg Travel Insurance Coverage Review – Is It Worth It?

Christine Krzyszton

Senior Finance Contributor

313 Published Articles

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Keri Stooksbury

Editor-in-Chief

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Table of Contents

Why purchase travel insurance, why purchase travel insurance from tin leg, travel insurance and covid-19, types of policies offered, how to get a quote, the value of travel insurance comparison websites, how tin leg compares, how to file a claim, everything else you need to know, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

You may not recognize the name, but this relatively new travel insurance company is becoming a respected player in the travel insurance marketplace.

Created in 2014 by travel insurance comparison website Squaremouth , Tin Leg has the daunting task of competing with significantly more established travel insurance companies.

And, while it’s certainly unusual for a travel insurance comparison website to start a travel insurance company, one of Tin Leg’s advantages might be that a travel comparison website would understand the needs of travelers and be able to create a competitive product with favorable pricing.

With this foundation in mind, let’s set off to compare and discuss this “young” travel insurance company, Tin Leg. We’ll take a look at why you might want to consider the company, the type of policies it offers, how to get a quote, what to do if you have a claim, and more.

If you’re looking for travel insurance, you’ll want to compare the best travel insurance companies and policies. Let’s look at just 1 of the possible options.

The compelling reasons for purchasing travel insurance are many, but it is particularly important to secure coverage if your trip includes a lot of non-refundable travel expenses. Additionally, if your trip is lengthy, has a complex itinerary, or you will not have medical coverage during your travels, you should also consider a comprehensive travel insurance policy.

Situations where travel insurance could save the day:

• You have a gallbladder attack while on a cruise and need immediate surgery (an actual Tin Leg claim that was covered).
• You injure your ankle while hiking and need to have x-rays to determine if it is broken.
• You or your travel companion become ill and must cancel your trip.
• You are on a safari and due to an injury, you need to be evacuated by helicopter to the nearest hospital.

There are endless situations where travel insurance could save you from significant unplanned expenses or reimburse you for any lost prepaid trip expenses.

Bottom Line: If your trip is expensive, complex, includes a lot of non-refundable prepaid expenses, or you will not have medical coverage during your travels, you should consider purchasing a travel insurance policy. 

While Tin Leg is a newer company, this shouldn’t affect your decision to purchase its travel insurance. Policies issued by Tin Leg are underwritten (meaning coverage is provided by) several highly-rated, established insurance companies, including Berkshire Hathaway.

Forbes also speaks highly of Tin Leg as it gave the company a “superior” 5-star rating for its Gold plan that offers COVID-19 cancellation coverage and comes with high medical limits.

With over 103,000 of its Gold policies sold since its inception in 2014, it has outsold most established travel insurance companies .

Does Tin Leg get complaints? Every insurance company gets complaints. It’s human nature to want to pay as little as possible for a policy and yet expect as much coverage as possible when we have a claim. While complaints of expectations not being met can be important, complaints about the actual handling of the claim are equally, if not more, so.

Out of over 2,800 reviews, only 0.1% were negative (the average is 0.2%) and 2,191 of those reviews gave the company a 4- or 5-star rating.

Bottom Line: Tin Leg is backed by established highly-rated insurance companies, its Gold policy received a 5-star rating from Forbes, the company sells a large number of policies compared to more established companies, and it averages fewer negative complaints compared to other insurance companies.

Travel insurance does not cover canceling a trip due to any fear of getting COVID-19 or for related border shutdowns that may cause you to cancel your trip. In order to have any coverage for these trip cancellations, you would need to purchase Cancel for Any Reason insurance (CFAR) as an add-on to your policy.

CFAR insurance can be expensive and usually covers just 50% to 75% of the cost of your trip.

Many insurers include getting ill from COVID-19 as a covered reason for cancellation, but there are companies and specific policies that do not. Some companies even exclude medical coverage for COVID-19. Be sure to check any policy prior to purchasing.

Fortunately, Tin Leg offers policies that have the option for CFAR insurance. The company also includes coverage (at various levels) for COVID-19 illness, included for trip cancellation, delay, medical coverage , and more.

Bottom Line: Travel insurance does not cover voluntary trip cancellations. In order to have coverage, you must add Cancel for Any Reason insurance to your travel insurance policy. Tin Leg offers this coverage option on select policies it offers.

Tin Leg offers several types of travel insurance policies, each with different levels of coverage. You’ll find 9 policy options, including these plans: Economy, Standard, Luxury, Adventure, Silver, Gold, Basic, USA Only, and Platinum.

Here is a sampling of the types of coverages you can expect on 3 of Tin Leg’s most popular plans.

This is just a sampling of the core coverages on 3 plans offered by Tin Leg for a specific journey. Coverage will vary depending on which of the 9 policies you select, the coverages you prefer, where you reside, and the details of your trip.

There are also additional terms and conditions for each coverage; this is just an overview for comparison purposes only.

Bottom Line: Tin Leg offers 9 travel insurance plans, all with coverage options that can be tailored to a plan that fits your specific trip requirements and your personal priorities. 

Obtaining a quote for Tin Leg travel insurance is simple. Visit the Tin Leg website and provide the number of travelers, ages, dates/cost of your trip, where you live, and your destination.

You’ll receive an instant quote for the applicable policies Tin Leg offers, as well as a collection of similar policies offered by competitors. You’ll also be able to select any add-on coverage you prefer.

Once you’ve selected a policy you want to buy, you can make a purchase immediately and the policy will be issued with coverage effective on the date you selected.

If you’re looking for travel insurance, the benefit of utilizing a travel insurance comparison website is undeniable. Comparing policies and companies can result in finding the best coverage for your situation at a price you’re willing to pay. You can also accomplish this with little effort.

In addition to policy comparisons, these sites also offer educational content, company rating information, and customer reviews.

Some of the best travel insurance comparison websites include the following:

• InsureMyTrip — Whether you’re looking for coverage for a single trip, for multiple trips in 1 plan, or for just medical insurance during your travels, this site has it all.
• TravelInsurance.com — While the site does not offer policy comparisons for medical-only plans, the site does a good job comparing comprehensive travel insurance policies.
• Squaremouth — You’ll find single-trip, multi-trip, group, adventure/sports coverage, and medical plans on this comparison site.
• AARDY — AARDY compares dozens of companies, but you will need to provide your email address to obtain a quote.

Bottom Line: A travel insurance comparison website takes the guesswork out of purchasing a travel insurance policy. You’ll be able to compare prices, coverage, and companies, all in just minutes. 

While Tin Leg offers plenty of travel insurance options, let’s see how the company’s offerings compare to credit card travel insurance, other travel insurance companies, and to the coverage you might be offered at the point-of-sale when purchasing a flight or travel package.

To Credit Card Travel Insurance

The best credit cards for travel insurance are not meant to replace a comprehensive travel insurance policy. If your trip is simply a domestic round trip flight and a hotel room, however, the coverage you receive with your credit card may be more than adequate.

For a more complex trip that is expensive, has several non-refundable expenses, or if you need medical/evacuation coverage, even the basic plans offered by Tin Leg will serve you better than just the coverage offered on your credit card.

Also, credit card travel insurance can be secondary to any other coverage you have, while Tin Leg offers primary coverage.

Bottom Line: Credit card travel insurance can be adequate for a simple trip but a comprehensive travel insurance plan is needed to provide coverage for a complex, expensive trip, or if you need medical coverage.

To Other Travel Insurance Companies

We looked at a specific trip example of a traveler, 40 years of age, traveling to Mexico for 1 week. The total trip cost was $2,000 and the traveler needed medical coverage.

Tin Leg held its own when compared to similar policies with competitor companies. All the companies offered the same trip interruption/cancellation benefits but Tin Leg has limits on trip delay coverage that are not as strong as the competitors. Where Tin Leg shines is in providing medical coverage ($500,000).

When we add Cancel for Any Reason insurance to the plans, Tin Leg continues to offer competitive pricing. Seven Corners and Tin Leg also both offered $500,000 in medical coverage while Travel Insured International offered $100,000 and Travelex just $50,000.

Bottom Line: Tin Leg can offer competitive pricing with strong medical coverage on its plans when compared to competitors. You may be able to add CFAR insurance to its Gold plan and still receive competitive pricing.

To Point of Sale Coverage

Point of sale travel insurance is normally offered during checkout when you’re purchasing a flight, vacation package, or other travel. You’ll find the price rather compelling and you may be tempted to make the purchase thinking your trip would be covered if you needed to cancel.

These point-of-sale policies do not cover voluntary cancellations and do not replace a comprehensive travel insurance plan. Only specific reasons for cancellation, delay, or other disruption are covered, so be sure to review the specifics prior to making any point-of-sale travel insurance purchase.

You’ll also want to check out competitor policies and rates.  Bottom Line: Always compare pricing prior to purchasing travel insurance at the point of sale. 

Filing a claim with Tin Leg can be done online or by calling Tin Leg at 844-240-1233 on weekdays between 8 a.m. and 4 p.m. EST.

If you report your claim via phone, a claim form will be sent to you to complete. You can also complete the claim form online at any time.

The documentation you may be asked to provide may include:

• Completed claim form
• Proof of loss
• Proof of payment for travel arrangements
• Copy of airline tickets or other transportation
• A copy of the travel provider’s cancellation/refund policy
• The amount of any compensation received for the loss from providers and other sources
• Invoices and receipts that document incurred expenses

Prior to submitting any claim, you should first contact your travel provider as the provider may provide partial or full reimbursement. Based on that outcome, you can then submit a claim for any remaining out-of-pocket expenses.

Bottom Line: Report your claim as soon as possible, contact travel providers to determine if a refund or reimbursement is possible, and submit all documentation within the required time period. 

Tin Leg offers high medical limits on many of its plans. The medical coverage is also primary, meaning you do not need to file a claim with other insurance first before coverage is valid.

We were able to find several options for travelers, even over age 100, so if you’re a senior looking for travel insurance , Tin Leg is a viable source for coverage. The levels of coverage available may vary by age, however.

When you purchase a policy from Tin Leg, you will have 14 days to review the plan. If you are not satisfied, you can then cancel and receive a full refund.

You can reach Tin Leg customer service from 8 a.m. to 10 p.m. Emergency assistance is available 24/7. Tin Leg also provides assistance services including helping you find return transportation should your trip being interrupted for a covered reason, assistance with lost/delayed baggage, medical and dental referrals, and more.

Don’t let the relative newness of Tin Leg keep you from considering the company for travel insurance. The company is backed by highly-rated, established companies.

Its policies are also competitively priced and you can select a plan that closely fits your situation without having to pay for coverage you don’t need or coverage you don’t consider a priority.

If you’re looking for a policy with strong medical coverage and the ability to add CFAR insurance, Tin Leg can be a good choice.

The ease of being able to compare Tin Leg on the Squaremouth website is also a plus. You will be able to view all of the Tin Leg policies available, plus compare these to the competitors, all in 1 visit to the site.

If you would like to learn more about the basics of purchasing travel insurance , the best travel insurance companies , and how travel insurance works with COVID-19, our articles can provide a lot of related information.

Frequently Asked Questions

Is tin leg a good travel insurance company.

Yes. Tin Leg is backed by highly rated travel insurance companies, gets few overall complaints, and offers a wide range of policies from which to select.

It also offers competitive pricing and has strong medical coverage compared to many of its competitors.

What insurance plans does Tin Leg offer?

Tin Leg offers 9 different travel insurance plans that offer various levels of coverage so that you can choose a policy that matches your needs and priorities.

Select from the Economy, Standard, Luxury, Adventure, Silver, Gold, Basic, USA Only, or Platinum plans.

Does Tin Leg cover COVID-19?

Yes. There is coverage for COVID-19 illness found under medical coverage, trip cancellation, and trip interruption.

Terms and conditions apply, but you can find coverage in various degrees for COVID-19 with Tin Leg.

Does Tin Leg offer Cancel for Any Reason Insurance?

Yes. Tin Leg offers CFAR insurance which covers trip cancellation for any reason. It is not available on every plan the company offers but it is available on select plans, including the Gold plan that is rated a 5-star product by Forbes.

Does Tin Leg have a rating with the Better Business Bureau?

Tin Leg has not yet been accredited or assigned a rating by the BBB.

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About Christine Krzyszton

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Tin Leg Travel Insurance Review

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When traveling, you want to make sure your investment is protected and you're covered in the event of an emergency. If you've spent a good deal of money on prepaid, non-refundable travel expenses or want the peace of mind that comes from having emergency medical coverage during your trip, consider getting travel insurance from one of the best travel insurance providers.

While not among our top picks, Tin Leg has made a name for itself in the travel insurance industry as a reliable and reputable company. In this Tin Leg travel insurance review, we’ll break down its plans and pricing and examine customer feedback to help you decide whether it's the right travel insurance option for you.

Tin Leg travel insurance pros and cons

Extensive coverage options, emergency assistance available 24/7, offers coverage for sports activities and equipment, limited baggage loss coverage, limited rental car coverage, pros explained.

Tin Leg offers a wide range of coverage options to suit different types of travelers. Customers can choose from nine plan tiers covering everything from basic travel mishaps to sports activities, concierge services and even identity theft protection.

All of Tin Leg’s travel insurance plans include emergency assistance services available 24/7 anywhere in the world. You can get support for a variety of medical and travel emergencies, whether you experience an injury or illness, need to be evacuated for medical reasons, your luggage is lost or delayed, or you need to return home early due to an emergency.

Tin Leg agents can coordinate the return of your rental vehicle, help you communicate with doctors and family members back home, arrange transportation and medical companion services, provide translation support and help you replace lost prescriptions.

Seven of Tin Leg's plans include limited coverage for sports activities, provided you're not participating in a professional sporting event, flying an aircraft or mountain climbing with specialized equipment such as pick-axes, anchors and carabiners. Sports equipment loss is also included in all plans, with the exception of the Tin Leg Basic.

Cons explained

The company’s maximum baggage loss coverage is $2,500 on the Silver plan and $1,000 on the Adventure plan. All Tin Leg’s other plans only cover up to $500 (either per person or per policy), which is well below the maximum other competitors offer for lost baggage and personal effects.

If you need rental car coverage on your upcoming trip, you'll have very few options with Tin Leg. This optional coverage, which can reimburse you for expenses related to the theft or damage of a rental vehicle, is available for purchase only with the high-tier Luxury plan.

Tin Leg travel insurance plans

Tin Leg boasts an extensive selection of policies catering to various travel needs. However, comparing the nine different plans can be a little confusing, especially for those buying travel insurance for the first time. Before comparing plans and getting quotes, it can help to first understand what travel insurance covers .

Regardless of the plan you select, Tin Leg provides comprehensive protection that includes coverage for the following:

• Trip cancellation
• Trip interruption
• Delays due to weather
• Emergency medical treatment, evacuation and repatriation
• Travel delays
• Baggage loss or delay
• 24/7 travel assistance

The key differences between the various plans are covered trip cancellation reasons and emergency medical and evacuation coverage, so you'll want to focus on these as you decide which plan is best for you.

Tin Leg Economy

The Tin Leg Economy plan is perfect for travelers seeking affordable essential coverage for their trips. This plan includes everything above with a maximum benefit of $20,000 for emergency medical coverage (but preexisting conditions aren’t covered) and $100,000 for medical evacuation and repatriation.

You also get concierge services coverage (e.g. restaurant referrals and reservations and ground-transportation arrangements) at this budget-friendly level.

Tin Leg Standard

The Tin Leg Standard plan provides more extensive protection. It covers trip cancellation due to acts of terrorism or being laid off from work, and provides assistance with costs related to identity theft.

Coverage maximums on this plan go up to $30,000 for emergency medical coverage and $200,000 for medical evacuation and repatriation. This tier is a good choice for travelers seeking comprehensive coverage and concierge services without breaking the bank.

Tin Leg Luxury

With this high-tier plan, you can indulge in luxury accommodations and exclusive services knowing that you have comprehensive coverage for various travel-related incidents. The Luxury plan offers the option to add Cancel For Any Reason (CFAR) coverage to your policy.

At this level, emergency medical is covered up to $100,000, and the medical evacuation and repatriation coverage goes up to $250,000. Tin Leg’s Luxury plan is the only one that offers optional rental car coverage.

Tin Leg Adventure

Designed for adventurers, this plan covers various activities often excluded from standard policies, including hiking, rock climbing and water sports. You can get up to $100,000 for medical emergencies and $1 million for medical evacuation and repatriation.

The Adventure plan provides $1,000 in baggage loss and equipment coverage as well as $500 for sports equipment delay. It also includes up to $25,000 in accidental death or dismemberment (AD&D) coverage.

Tin Leg Silver

Tin Leg Silver is a mid-tier plan best suited for travelers worried about baggage delays or loss. It offers the company’s highest baggage and personal effects coverage at $2,500 and the highest baggage delay benefit at $500.

As for medical coverage, Silver covers up to $250,000 in emergency medical benefits and up to $1 million in medical evacuation and repatriation. This plan is suitable for most travel needs, with balanced coverage and competitive pricing.

Tin Leg Gold

Gold offers the highest level of medical emergency coverage out of all Tin Leg’s plans: $500,000. It also includes up to $10,000 in AD&D benefits — the only other plan besides Adventure that includes this coverage.

Gold is one of four Tin Leg plans that offer optional CFAR coverage, along with Silver, Adventure and Luxury.

Tin Leg Basic

As the name suggests, the Tin Leg Basic plan offers straightforward travel protection at an affordable price. Basic is similar to Economy, but with higher medical coverage limits ($50,000), missed connection coverage and up to $25,000 in flight-only AD&D. It also offers coverage for preexisting conditions, but no concierge services.

Tin Leg Platinum

The Platinum plan is similar to the Luxury plan but doesn’t include concierge services or identity theft coverage, nor does it offer the option to add CFAR or rental car coverage. With Platinum, medical evacuation and repatriation coverage also increases to $500,000.

Tin Leg travel insurance pricing

As with other travel insurance companies, Tin Leg’s policies are priced based on factors such as your age, the duration of your trip, the number of travelers in your group and the travel insurance plan you select.

The names of Tin Leg's travel insurance plans don't necessarily reflect their actual cost. If you’re interested in travel insurance from Tin Leg, use the quote tool on its website to get accurate quotes for your specific travel needs.

To give you an idea of what you could expect from Tin Leg's plans in terms of pricing, we gathered sample quotes for three different trips. For more information, read our article on the average cost of travel insurance .

Tin Leg travel insurance financial stability

To make travel insurance worth it , the company you work with should be financially stable enough to pay out claims now and in the immediate future.

Tin Leg Travel Insurance was founded by the insurance comparison website Squaremouth in 2014. While it's a relatively new company, its plans are underwritten by well-established insurers such as Berkshire Hathaway Specialty Insurance Company, Starr Indemnity & Liability Company, and Spinnaker Insurance Company.

All of these underwriters have A ratings or higher with credit rating agency AM Best, evidencing their strong claims-paying ability.

Tin Leg travel insurance accessibility

Tin Leg is a Squaremouth brand available to U.S. residents traveling domestically and internationally. Plans can be purchased online through the marketplace.

Availability

Tin Leg’s sells coverage to U.S. residents exclusively. Coverage details may vary by state.

Contact information

Tin Leg’s customer service team is available daily from 8 a.m. to 10 p.m. ET.

• Tin Leg customer service phone number : 844-240-1233
• Tin Leg email address : [email protected]

The Tin Leg claims department can be reached on weekdays from 8 a.m. to 4 p.m. ET at the phone number above or by email at [email protected] . Claims can also be submitted on the website anytime.

Tin Leg's emergency assistance services are available 24 hours a day, seven days a week to insurance plan holders.

• Emergency assistance for domestic callers : 844-927-9265
• Emergency assistance for international callers : +1-727-264-5657

User experience

When you're ready to buy travel insurance, Tin Leg’s quote tool makes it easy to find the right plan. With nine Tin Leg plans to consider, you can view plans side by side to compare their coverage options.

Tin Leg Travel Insurance Customer Satisfaction

Tin Leg has earned high marks for customer satisfaction on Squaremouth’s website, where it has earned 4.61 out of 5 stars based on almost 3,300 reviews. Positive reviews praise Tin Leg’s easy claims process, helpful customer service and straightforward trip cancellation policies. Keep in mind, however, that Tin Leg is a Squaremouth brand.

On the Better Business Bureau's website, Squaremouth has an A- rating. There are few reviews on the site, and they’re almost entirely negative. While not all reviews mention Tin Leg, Squaremouth’s customers do complain about denied claims and poor communication.

Tin Leg Travel Insurance FAQ

Is tin leg legit, who handles claims for tin leg, how do i contact tin leg travel insurance, how we evaluated tin leg travel insurance.

In our evaluation of Tin Leg travel insurance, we considered these factors:

• Coverage options : We compared Tin Leg’s range of travel insurance plans.
• Pricing : We pulled sample quotes and compared Tin Leg’s rates with those of other travel insurance providers.
• Accessibility : We considered Tin Leg’s accessibility and availability to provide services to travelers.
• Customer satisfaction : We assessed customer reviews on the company's website as well as third-party review sites.
• Financial stability : We examined Tin Leg’s financial stability and industry reputation.

Summary of Tin Leg Travel Insurance Review

Tin Leg offers an impressive range of plans to accommodate various needs. While its nine plans offer various coverage amounts and covered cancellation reasons, customization by way of add-ons is limited.

Third-party customer reviews for Tin Leg and its parent company, Squaremouth, cite claim processing delays. With that in mind, do your research before you commit to a policy.

• Travel insurance plans

Tin Leg Travel Insurance Cost

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• Why You Should Trust Us

Tin Leg Travel Insurance: An In-Depth Review

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Before finalizing your travel plans, look into various insurance policies to safeguard yourself against potential risks. Travel insurance is an invaluable resource that can protect you from many unforeseen issues, but not all companies provide the same level of coverage. And some companies' policies may cost more than others.

That's where Tin Leg Travel Insurance comes in. Created by travel agency Squaremouth, Tin Leg offers eight different plans with varying coverage levels and benefits, with the option to add Cancel for Any Reason (CFAR) coverage to select plans. Keep reading to see if Tin Leg is the right travel insurance for you.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
• con icon Two crossed lines that form an 'X'. Limited add-on coverage options
• con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

• Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

Overview of Tin Leg Travel Insurance

Tin Leg is a travel insurance provider founded in 2014 by travel insurance aggregator SquareMouth. With eight different plans, Tin Leg is one of the providers listed in our guide on the best travel insurance companies , specifically for travelers with pre-existing conditions. We chose Tin Leg because seven of its eight plans offer pre-existing condition waivers, with a 15-day purchase window and no extra cost.

That said, Tin Leg has other coverages that are noteworthy. Its coverage limits for emergency evacuation go up to $1 million, which is great particularly if you have nautical travel plans, as water-to-land rescues can be costly.

Additionally, sports equipment loss is included with seven of Tin Leg's eight plans. However, you will need to call for more information on adventure sports, as Tin Leg doesn't guarantee coverage.

Tin Leg's Travel Insurance Plans

Tin Leg travel insurance offers eight travel insurance plans: Economy, Basic, Standard, Luxury, Adventure, Silver, Platinum, and Gold. Each plan offers varying levels of protection that correspond to the premium costs.

Here's a look at what you'll get with each plan. We've split the eight plans into two tables to make things easier to follow.

Here's how the Adventure, Silver, Platinum, and Gold plans compare:

Additional Coverage Options

Tin Leg travel insurance offers additional coverage options, but they're only available on specific plans.

You can add rental car damage coverage to the Luxury plan for an additional fee. And both the Gold and Silver plans allow you to add on CFAR (cancel for any reason) coverage . With CFAR coverage travel insurance, you can cancel for any reason not listed in the base policy and be reimbursed — in the case of Tin Leg, for 75% of your trip costs.

How to Purchase and Manage Your Tin Leg Policy

Travel insurance coverage varies greatly, and the amount you pay reflects the range of protection. However, since travel insurance protects your financial investment, it's typically worth spending a few extra dollars for higher coverage maximums, especially for medical insurance and evacuation expenses.

Getting a quote from Tin Leg travel insurance is an easy process. You can do so from their website or an insurance aggregator like SquareMouth. You should be prepared to provide the following information:

• Number of travelers
• Age of traveler(s)
• Duration of trip
• Whether you want trip cancellation coverage
• Date of booking
• If you have any trip payments left to make
• One country you're traveling to
• Country of residence/citizenship

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Tin Leg's coverage costs.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  Tin Leg travel insurance quotes:

Premiums for Tin Leg plans are between 1.8% and 3.9% of the trip's cost, well below the average cost of travel insurance . It's also relatively cheap compared to many of its competitors

Tin Leg provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

Once again, premiums for Tin Leg plans are between 3.4% and 5.2%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following Tin Leg quotes:

Premiums for Tin Leg plans are between 6.9% and 9.4%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to File a Claim with Tin Leg Travel Insurance

One exceptionally nice aspect of Tin Leg is that you can report a claim online or over the phone. You can contact Tin Leg's claims department at 844-240-1233 or by email at [email protected]. It's available on weekdays between 8 a.m. and 4 p.m. ET.

You'll be asked to fill out a claims form that asks about your trip details and the issue you faced. Tin Leg will then ask you to file supporting documents related to your claim. If you're filing a claim because you canceled a flight due to an illness, they'll likely require medical documentation that supports this claim. 

Tin Leg Customer Service and Support Experience

Tin Leg is well-reviewed, receiving an average of 4.6 stars out of five on SquareMouth across nearly 3,800 reviews. Reviews on its Better Business Bureau are consistent with its SquareMouth score, also averaging 4.6 stars across over 110 reviews, admittedly a limited sample size. Additionally, Tin Leg is not certified with the BBB.

While most customers reported a smooth and speedy claims service, some noted that communication from Tin Leg during the process can be spotty. Additionally, customers complained about their claims being denied due to requirements they were unaware of when purchasing coverage. One customer wrote about how they had to cancel a trip because of work but hadn't been working at their company long enough to qualify for trip cancellation coverage.

See how Tin Leg travel insurance stacks up against the competition. 

Tin Leg Travel Insurance vs. AIG Travel Guard

To compare Tin Leg travel insurance to Travel Guard , we'll consider the coverage limits from its highest-rated Gold and Travel Guard Deluxe plans, respectively.

With AIG Travel Guard's Deluxe plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $100,000
• Coverage for baggage loss, theft, or damage up to $2,500
• Travel delay coverage of up to $1,000

Comparing those coverages with Tin Leg's Gold plan, you'll see that AIG's coverages are better than Tin Leg's in all areas except one – emergency medical. While AIG offers emergency medical coverage of $100,000, Tin Leg's coverage limit is $500,000 (in primary coverage).

If the medical coverage piece is what's most important to you, Tin Leg would be the right choice in this scenario. That said, having $100,000 in emergency medical coverage is nothing to scoff at, so it may come down to comparing premium costs.

Remember that the premium costs will depend on the traveler's age, trip destination, and trip cost. So you'll need to compare these two insurers using your trip-specific information to get a solid idea of the costs associated with each plan.

Read our AIG Travel Guard insurance review here.

Tin Leg Travel Insurance vs. Allianz Travel Insurance

Both Allianz Travel Insurance and Tin Leg travel insurance offer a variety of travel insurance plans designed for different types of travelers with varying types and degrees of coverage.

In this comparison, we'll look at Allianz Travel Insurance's most popular single-trip plan, the OneTrip Prime plan, compared to Tin Leg's Basic plan.

With Allianz Travel Insurance's most popular single-trip OneTrip Prime plan, you'll get:

• Up to $100,000 in trip cancellation coverage
• Up to $150,000 in trip interruption coverage
• $50,000 in emergency medical coverage
• Up to $1,000 in coverage for baggage loss, theft, or damage
• Up to $800 in travel delay coverage

In looking at Tin Leg's basic plan, you'll find that these two policies offer the same $50,000 coverage limit for emergency medical. Still, Allianz Travel Insurance's plan exceeds Tin Leg's in the other coverage limits. That said, you'll have to quote both of these policies using your personal trip information to make an informed decision, especially if cost is the most important factor to you.

Read our  Allianz travel insurance review here.

Tin Leg Travel Insurance vs. Credit Card Travel Insurance

Do you have a travel credit card? If so, consider the type of insurance coverage it may (or may not) offer. Some basic coverages, like primary rental car insurance, are provided through your credit card's travel protection . And if you don't need medical coverage or don't have a lot of non-refundable trip expenses, the coverage offered by your credit card could suffice.

That said, don't forget that credit card coverage is sometimes considered secondary coverage. That means you'll have to file a claim with any other applicable insurer before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Tin Leg Travel Insurance FAQs

All policies except Economy cover pre-existing medical conditions as long as you purchase your policy within 15 days of trip deposit.

You have 14 days after you purchase your policy to refund your Tin Leg policy, as long as you haven't left for your trip. 

All Tin Leg travel insurance policies include 24/7 emergency assistance services.

Tin Leg claims can be submitted online or over the phone at 844-240-1233 during business hours. You'll need to provide details about your trip and the problem that arose during your trip. The claims process is quick, according to customer reviews, but be sure to review your policy for guideline related to claims. 

Yes, all tiers of Tin Leg travel insurance offer cancellation coverage if you or a non-traveling loved one contracts COVID-19, though you will need to provide a positive test to receive reimbursement. 

Why You Should Trust Us: How We Reviewed Tin Leg

To review Tin Leg travel insurance, we looked at several different factors. These included premium costs, coverage categories, and claim limits. In addition, we compared the policies and premiums available through Tin Leg to those from the best travel insurance providers to see how they stack up — and also considered any additional add-on coverages available and the ease of getting a quote and filing a claim.

In the end, the best policy for you will be the one that provides the coverage you need and limits you're comfortable with while also staying within budget.

Read more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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About tin leg.

Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

In 2018, Tin Leg’s Luxury policy was rated the best travel insurance for seniors by Forbes, and following the coronavirus pandemic in 2020, several Tin Leg policies were listed by Forbes as offering the best coverage for pandemics.

Tin Leg’s award-winning customer service department, dedicated 24-hour emergency support, and revolutionary claims process have established the company as a trusted leader in the travel insurance industry. Tin Leg’s products are underwritten by Berkshire Hathaway Specialty Insurance Company, Starr Indemnity & Liability Company, and Spinnaker Insurance Company.

Tin Leg Plans and Reviews

Quote and compare policies.

• Customer Reviews
• Contact Information

Why Choose Tin Leg for Travel Insurance

• Top rated and top selling provider on Squaremouth
• Plans underwritten by Berkshire Hathaway, Starr Insurance, and Spinnaker Insurance Co
• Named ‘Best Value Travel Insurance’ Provider by USA Today

Tin Leg has earned national recognition for their innovative policies, award-winning customer service, and generous coverage limits. They were recently named the ‘Best Value Travel Insurance Provider’ by USA Today, and Tin Leg’s policies were highlighted for their pricing and coverage limits. With nine different policies available, there are options to choose from for most budgets and trip itineraries.

All Tin Leg policies are comprehensive, and offer well-rounded benefits that offer coverage for most travel disruptions. Many of their plans offer more than $100,000 in Emergency Medical coverage, as well as strong protection against cancellations, delays, and baggage loss. Tin Leg also offers policies created for specific trip types, such as Adventure, which offers strong Medical Evacuation coverage and coverage for a wide range of sports and activities.

Tin Leg is known for keeping a strong pulse on the travel industry, and continues to enhance their policies to best meet the needs of today’s customers. Aside from being one of the highest selling providers on Squaremouth, Tin Leg has also earned a customer rating of 4.6 out of 5 stars, making it one of the highest rated providers on the platform, too.

This provider summary was written internally by a Squaremouth policy expert.

About Tin Leg

Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

Tin Leg’s policies have been highlighted by Forbes, Business Insider, and other global publications for their coverage, benefits, and pricing. Most recently, Tin Leg was listed as the Best Value Travel Insurance Provider of 2023 by USA Today, receiving recognition for affordability and traveler protection.

Tin Leg’s award-winning customer service department, dedicated 24-hour emergency support, and revolutionary claims process have established the company as a trusted leader in the travel insurance industry. Tin Leg’s products are underwritten by Berkshire Hathaway Specialty Insurance Company, Starr Indemnity & Liability Company, and Spinnaker Insurance Company.

• 5 stars 2893
• 4 stars 691
• 3 stars 214
• 1 star   48

222,742 policies sold

0.1% negative reviews

0.1% (128) negative reviews to sales Average on Squaremouth is 0.2%

Tin Leg ranked as USA Today’s best value travel insurance provider of 2023.

USA Today credited Tin Leg’s Gold and Adventure policies as the best priced policies for the level of coverage included.

Policies Offered by Tin Leg

Policy Description:

Tin Leg’s Economy policy provides cost-effective protection that covers the most common concerns of travelers.

Tin Leg Economy includes basic cancellation coverage, including 100% reimbursement for cancellations or interruptions caused by medical complications or inclement weather. It also comes with medical coverage in case of an emergency during the trip.

Additional benefits that come standard with this policy include Travel Delay, Baggage Delay, and Baggage Loss.

Underwritten By: Berkshire Hathaway Specialty Insurance Company

Underwritten Location: 1314 Douglas Street, Suite 1400 Omaha, NE 68102-1944

AM Best #: 00864

AM Best Rating: A++ (Superior)

Policy Detail

Tin Leg’s Standard policy is designed for travelers looking for extensive cancellation coverage and high medical benefits.

Tin Leg Standard includes cancellation coverage for the most common concerns, including medical reasons, terrorism, and severe weather. It also covers up to 150% of a traveler’s trip costs under Trip Interruption.

Tin Leg Standard’s medical coverage includes Emergency Medical and Medical Evacuation coverage, as well as Pre-Existing Condition coverage if purchased within 15 days of booking the trip.

Additional benefits, such as Travel Delay, Baggage Delay, and Baggage Loss, are included with this policy.

Tin Leg’s Luxury product is ideal for travelers who want the most comprehensive Trip Cancellation benefits, as well as high Primary Emergency Medical and Travel Delay benefits.

Tin Leg Luxury includes cancellation coverage for the most common traveler concerns, including cancellation for medical reasons and terrorism. It also boasts impressive cancellation coverage for inclement weather, with no minimum weather delay before cancellation can be claimed.

Tin Leg Luxury includes high Primary Medical and Medical Evacuation benefits, with optional upgrades available, as well as coverage for Pre-Existing conditions if purchased within 15 days of booking the trip.

Additional benefits, including Travel Delay, Baggage Delay, Baggage Loss and Missed Connection, come standard with this policy.

Tin Leg’s Adventure policy was built with active travelers in mind, offering high medical coverage and comprehensive sports and activities benefits.

Tin Leg Adventure offers $100,000 in Emergency Medical coverage, and $1 million in Medical Evacuation coverage. The medical benefits within this policy can extend to travelers who are injured during sports and activities that are excluded by many other travel insurance policies, such as contact sports, mountain climbing, jet skiing, and snowboarding, among others.

Tin Leg Adventure also offers Trip Cancellation coverage for the most common traveler concerns, including cancellations for medical reasons, weather, and terrorism. In addition to covering unused trip expenses, such as airfare, hotel accommodations, and tours, this policy can also refund unused sports equipment and fees, including lift tickets, green fees, and equipment rentals.

Other benefits, including Travel Delay, Missed Connection, Baggage Delay, and Baggage Loss, are also offered within this policy.

Tin Leg’s Gold policy is built for travelers who are looking for high medical benefits and comprehensive cancellation coverage.

Tin Leg Gold includes $500,000 in Primary Emergency Medical coverage, in addition to $500,000 in Medical Evacuation coverage. Travelers who purchase this policy within 14 days of booking their trip and insure their full trip cost will also be covered for Pre-Existing Conditions.

Tin Leg Gold also offers cancellation coverage for the most common traveler concerns, including cancellation for medical reasons, inclement weather, and terrorism. Cancel For Any Reason is also available as an optional upgrade within this policy.

Additional benefits that are included within this policy are Travel Delay, Missed Connection, Baggage Delay, Baggage & Personal Items Loss, and Accidental Death & Dismemberment.

Underwritten By: Starr Indemnity & Liability Company

Underwritten Location: 399 Park Avenue, New York, NY 10022

AM Best #: 013853

AM Best Rating: A (Excellent)

Tin Leg Basic is designed to provide travelers with all major travel insurance benefits at a competitive price.

This plan’s conservative benefit limits are adequate for most travelers and keep the premium affordable, offering up to $10,000 in Trip Cancellation coverage and $25,000 in Emergency Medical coverage. Additional coverage is available for Pre-Existing Conditions, as well as Baggage Loss, Travel Delays and Accidental Death.

Underwritten By: Spinnaker Insurance Company

Underwritten Location: One Pluckemin Way Suite 102, Bedminster, NJ 07921

AM Best #: 022321

AM Best Rating: A- (Excellent)

Tin Leg Platinum is a mid-level plan that can be ideal for larger families, or individual travelers taking longer trips.

Available for travel up to 90 days, this plan covers up to $20,000 in Trip Cancellation coverage and includes high Emergency Medical and Medical Evacuation benefits of $100,000 and $500,000, respectively. This plan is also suitable for those traveling with valuable belongings, boasting a Baggage benefit limit of $500.

Tin Leg Silver is built for travelers who are looking for comprehensive cancellation coverage and high medical benefits, with extensive Trip Delay coverage.

Tin Leg Silver includes cancellation benefits for the most prevalent traveler concerns, including cancellation for medical reasons and inclement weather. Travelers also have the option to purchase the Cancel For Any Reason upgrade.

In addition to comprehensive cancellation benefits, Tin Leg Silver includes $250,000 in Emergency Medical coverage and $1,000,000 in Medical Evacuation coverage. Travelers who buy this coverage within 15 days of their initial trip deposit date have the option to upgrade to Primary medical coverage.

Tin Leg Silver was created with extensive Trip Delay coverage in the event of a quarantine. This plan offers $2,000 per person in Trip Delay coverage after a 6 hour delay.

Additional benefits, such as Baggage Delay, Baggage Loss, and Missed Connection, also come standard with this policy.

Verified Customer Reviews

• 3,926 Reviews Since 2014

Your reps are the best! So easy to make changes, cancel policies.

Tin Leg was a good plan. Currently in the process of collecting some medical receipts to submit. Hopefully the claim process will go as smoothly as the pre-trip and interaction we had with Tin Leg during our travel.

The customer service representative was very professional and courteous. Was able to answer all questions.

All reviews are from Tin Leg customers

Contact Information for Tin Leg

For Use With These Policies: Adventure, Luxury, Standard, Economy, Basic, Platinum

8:00am - 10:00pm ET, 7 days a week

Monday through Friday from 8:00am to 4:00pm ET

For Use With These Policies: Gold, Silver

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Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel insurance

Tin Leg travel insurance review 2024

Jennifer Simonson

Kara McGinley

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 3:41 a.m. UTC April 18, 2024

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Top-scoring plans

Covers covid, medical & evacuation limits per person, what you should know.

Tin Leg’s Gold plan is competitively priced for a travel insurance plan with emergency medical and emergency evacuation benefits of $500,000 per person. Other coverage though, such as for severe weather and baggage insurance, has lower limits than many top-rated travel insurance companies .

Pros and cons

• $500,000 per person emergency medical is primary coverage.
• “Cancel for any reason” upgrade available.
• Hurricane and weather coverage kicks in only after a 48-hour delay.
• Baggage delay is only covered after a 24-hour delay with a $100 daily limit.
• Baggage loss coverage, which includes theft, is only $500 per person.

Why trust our travel insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Tin Leg travel insurance offers nine travel insurance plans to cover the needs of almost every type of traveler. 

In this Tin Leg travel insurance review we will outline what is covered in each plan to help you best determine which plan is right for you. 

About Tin Leg travel insurance

The travel insurance comparison company Squaremouth founded Tin Leg in 2014. 

Tin Leg travel insurance plans

Tin Leg travel insurance offers these travel insurance plans:

Tin Leg Basic

Tin Leg Basic is a good travel insurance plan for low-risk trips. The plan covers trip cancellation, delay and interruption as well as missed connections after a 12-hour delay. 

The Basic plan includes $50,000 per person in secondary emergency medical coverage, $200,000 per person in medical evacuation as well as coverage for pre-existing conditions if the plan is purchased within 15 days of your first trip deposit and you insure the total cost of your trip. 

Lost and delayed luggage coverage is also covered, up to policy limits. 

You can not add “cancel for any reason” (CFAR) coverage to this basic plan. 

Tin Leg Economy

This plan covers 100% of prepaid and nonrefundable trip costs for trip cancellation and interruption if you experience unforeseen problems such as bad weather and medical issues. 

The Economy plan includes up to $20,000 for secondary emergency medical coverage and $100,000 for medical evacuation. 

Pre-existing conditions present 180 days before your trip or sooner won’t be covered in most cases. 

After 24 hours, the plan covers $200 per person for baggage delay. The plan covers $100 per item for baggage loss, up to $500 per person. 

The economy plan does not include coverage for missed connections and CFAR coverage is not available.

Tin Leg Standard

The plan covers trip cancellation, delay and interruption, but does not cover missed connections. 

The Standard plan includes up to $30,000 for secondary emergency medical coverage and $200,000 for medical evacuation. It also offers a pre-existing conditions waiver as long as you purchase the plan within 15 days of making your first trip deposit. 

Unlike the Basic and Economy plans, the Standard plan includes coverage for terrorism. It also covers the financial default of your travel supplier after a 14-day wait if purchased within 15 days of your first trip deposit. The plan covers employment layoff if you were employed for at least one continuous year. 

Tin Leg Luxury

Like the cheaper travel insurance plans, the Luxury plan covers trip cancellation, delay and interruption, but the Luxury plan provides primary — not secondary — medical coverage. The plan includes $100,000 in primary emergency medical coverage as well as $250,000 in emergency evacuation coverage. 

It also covers trip cancellation because of an unforeseen work reason as long as the plan was purchased within 15 days of your first trip deposit. The luxury plan offers the ability to purchase a “cancel for any reason” (CFAR) coverage upgrade.

What truly sets this plan apart from the others is that it is the only plan that allows policyholders to purchase additional rental car damage coverage.

Tin Leg Adventure

The Adventure plan was designed for active and adventurous travelers. It includes comprehensive coverage for adventurous activities, $100,000 in primary emergency medical coverage, medical evacuation coverage of up to $1,000,000 and extra coverage for delayed sports equipment. 

It is also one of only two plans that offer accidental death and dismemberment coverage. CFAR coverage is available as an upgrade to this plan.

Tin Leg Silver

Tin Leg Silver provides comprehensive cancellation coverage, increases the secondary medical coverage to $250,000 and includes higher reimbursement limits for travel delays, baggage delays and baggage loss. It includes financial default of supplier coverage after a 14-day waiting period, as long as the plan was purchased within 14 days of your first trip deposit. 

It also includes $1,000,000 million per person in medical evacuation coverage. There’s no coverage available for employment layoff, but the plan does offer a CFAR upgrade. 

Tin Leg Gold

This plan kicks up your primary medical coverage to $500,000. It also includes financial default of supplier coverage, with a 14-day waiting period, as long as you bought the plan within 14 days of your initial trip deposit.

The Gold plan includes employment layoff coverage if you were employed for three continuous years.

Unlike the Silver plan, Tin Leg Gold includes coverage for a missed connection, but decreases the coverage limits in medical evacuation, baggage loss and travel delay.

As with the Adventure plan, this plan offers coverage for accidental death and dismemberment insurance. You can also pay extra to add “cancel-for-any-reason” coverage.

Tin Leg Platinum

The Platinum plan is similar to the Gold plan with a few exceptions. It has the same trip interruption, trip cancellation, medical evacuation, travel delay and baggage loss coverage. 

However, the Platinum plan offers less medical coverage and a smaller payout for a missed connection than the Gold plan. 

While it does offer coverage for death or dismemberment during a flight, Tin Leg Platinum does not offer the ability to purchase additional CFAR coverage.

Additional travel insurance coverage available

Some Tin Leg travel insurance plans give you the option to add on coverage.

“Cancel for any reason” 

“Cancel for any reason” (CFAR) coverage allows you to cancel your trip for any reason up to 48 hours before your scheduled departure. 

Opting to add CFAR coverage typically increases the cost of your travel insurance by about 50%. 

If you decide to cancel your trip with CFAR, you’ll be able to get up to 50% of your prepaid, forfeited, nonrefundable trip expenses reimbursed. 

CFAR coverage is available with the Tin Leg Luxury, Adventure, Silver, and Gold policies, as long as you buy it within 14 to 15 days of your first trip deposit, depending on which plan you go with. 

Car rental damage

Tin Leg’s Luxury plan is the only plan that allows policyholders to purchase optional rental car damage coverage. 

With the Luxury plan, if your rental vehicle is stolen or damaged due to collision, vandalism, windstorm, fire, hail, or flood, your plan will pay for either the cost of repairs and rental charges or the actual cash value of the vehicle whichever is cheaper.

How much does Tin Leg travel insurance cost?

The price of Tin Leg travel insurance will vary depending on which plan you choose. Your rates will also depend on factors such as the length of your trip, the age of the travelers in your party, the number of travelers, your destination and the total cost of your trip. 

As an example, we requested quotes for Tin Leg travel insurance to cover two 45-year-old women traveling to Paris, France for seven days with a trip cost of $10,000. See these quotes below.

Tin Leg travel insurance for a sample Paris trip

The average cost of travel insurance is 5% to 6% of your total trip cost, but as you can see, the plan you select impacts how much you pay. The Tin Leg Basic plan quote we received is only 2.5% of our $10,000 Paris trip. 

Compare the best travel insurance companies of 2024

Via TravelInsurance.com’s website

What doesn't Tin Leg travel insurance cover?

Tin Leg travel insurance does not cover: 

• Normal pregnancy or childbirth.
• Mental, nervous or psychological disorder.
• Self-inflicted injuries.
• Injuries due to participation in professional athletic events. 
• Injuries sustained under the influence of drugs or alcohol.
• Any trip taken against the advice of a physician.

Each Tin Leg travel insurance plan has limitations, so it is important to read the fine print for what is covered. Tin Leg’s “free-look” period gives you 14 days to look over your policy and cancel for a full refund if it doesn’t suit your needs.

Do I need travel insurance?

Travel insurance is a smart investment to cover any unexpected expense you may experience during your trip. In addition to covering medical expenses not covered by your domestic health care plan when traveling abroad, travel insurance can cover trip delays, trip interruptions, lost baggage, emergency medical evacuation and more. 

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Tin Leg travel insurance FAQs 

Tin Leg is a legitimate travel insurance company, but it did not make our rating of the best travel insurance companies .

The travel insurance comparison website Squaremouth founded Tin Leg in 2014. Squaremouth designed policies to offer comprehensive trip cancellation and trip interruption benefits to meet the most common needs of travelers. 

Four of Tin Leg’s travel insurance plans offer the option to purchase additional “cancel for any reason” (CFAR) coverage : Luxury, Adventure, Gold and Silver.

If you upgrade your travel insurance plan to include CFAR coverage, you can be reimbursed up to 50% of your prepaid and nonrefundable trip expenses if you cancel your trip at least 48 hours prior to your scheduled departure. 

CFAR insurance is a good idea if you have several prepaid, nonrefundable activities on your itinerary, but it can add 50% to the total cost of your travel insurance.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

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The following companies are our partners in Travel Insurance:  Travel Guard Insurance ,  Allianz Global Assistance ,  Travelex ,  TravelInsurance.com ,  Seven Corners ,  Generali Global Assistance ,  Trawick International ,  Squaremouth , and  Faye .

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Tin Leg Travel Insurance Review

The following companies are our partners in Travel Insurance: Travel Guard Insurance , Allianz Global Assistance , Travelex , TravelInsurance.com , Seven Corners , Generali Global Assistance , Trawick International , Squaremouth , and Faye .

We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on a Top 10 list.

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How is Tin Leg rated?

Overall rating: 4.4 / 5 (excellent), tin leg plans & coverage, coverage - 4.5 / 5, emergency medical coverage details, baggage coverage details, tin leg financial strength, financial strength - 4.5 / 5, tin leg price & reputation, price & reputation - 4.5 / 5, tin leg customer assistance services, extra benefits - 4 / 5.

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Tin Leg Travel Insurance Review and Cost (2024)

Decide whether Tin Leg is the best provider to cover your next trip. Click below to start comparing quotes.

in under 2 minutes

with our comparison partner, Squaremouth

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

While most vacations happen without problems, events like delays, last-minute cancellations and unexpected illnesses can all affect your travel plans. Travel insurance supplies a financial safety net when unpredictable issues crop up, ensuring you won’t lose money on medical bills or emergency transportation.

Tin Leg is a top-rated travel insurance provider in the U.S., often praised for its plans’ affordability and comprehensive coverage. In this review, we’ll explore the range of travel insurance policies Tin Leg offers and help you decide whether it is a provider worth insuring your next trip.

• Average Cost: $196
• BBB Rating: A-
• AM Best Score: A++
• Medical Expense Max: $100,000
• Emergency Evacuation Max: $250,000

Our Take on Tin Leg Travel Insurance

Tin Leg is a U.S.-based travel insurance provider founded in 2014. Its niche in the market is providing specialized policies for many types of travelers. We recommend Tin Leg as one of the best travel insurance companies because it has many different policies and a competitive selection of add-on protections.

Tin Leg has nine travel insurance plans, ranging from basic, cost-effective coverage to specific policies for adventure travel and U.S.-only trips. With its multiple ways to file a claim, high coverage limits and top-rated customer service, Tin Leg is one of the best options for travel insurance no matter what kind of plan you’re looking for.

Pros and Cons

Compare tin leg to the competition.

Use the table below to compare Tin Leg to other top travel insurance companies:

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

What Does Tin Leg Cover?

Tin Leg’s commitment to supplying insurance that meets the needs of most travelers translates to a strong economy coverage plan. Although it has a Basic policy, the Economy plan is less expensive with few compromises on coverage.

Tin Leg’s Economy plan includes:

• 100% of the trip cost for trip cancellation and trip interruption
• $20,000 per person for emergency medical care
• $100,000 per person for medical evacuation or repatriation
• $500 per person for travel delays , with a $150 daily limit
• $200 per person for baggage delay
• $500 per person for baggage or personal item loss, with a $100 first-item limit
• Up to seven days’ extension of coverage
• 24-hour customer assistance
• Access to concierge service

Tin Leg’s Basic plan has protection for the same scenarios but will pay more in benefits, such as $20,000 per person for emergency medical care. The Economy Plan is also the only policy that doesn’t cover pre-existing conditions, so it won’t work for some travelers, particularly older ones.

Optional Riders

An insurance rider is an add-on, or optional protection to include in your travel insurance policy. These extras can be meaningful as a hedge for a pre-existing medical condition , participation in a specific activity or increased benefits for a particular scenario.

Tin Leg has many riders, and each policy comes with a specific list of available options. For instance, only the following add-on is available to customers that buy the Economy plan:

• Cancel for any reason (CFAR) coverage

When you choose more comprehensive policies from Tin Leg, you could also have insurance coverage for:

• Financial defaults
• Cancel for work reasons
• Terrorism disruption
• Employment layoff
• Missed connections
• Sports and activities coverage
• Identity theft
• Rental car damage
• Accidental death and dismemberment

Policies Offered

Tin Leg has nine travel insurance plans. Here is a breakdown of the main features of each type of travel insurance.

How Much Does Tin Leg Travel Insurance Cost?

The average cost of a Tin Leg travel insurance policy is $196 , which is cheaper than many of the other travel insurance companies we collected quotes for.

Companies calculate the cost of travel insurance based on a variety of factors. They include the ages of the people traveling, the health of the people traveling, the length of the trip and the safety of the destination that they’re visiting.

Tin Leg is known for its affordability, so quotes for its basic plan compare favorably to those of other providers. To give you an idea of the cost of Tin Leg Travel Insurance policies, we obtained the following quotes for seven different international trips.

Use the chart below to compare Tin Leg's average cost to competitors:

Read More: Travel Insurance For United States Tourists

Does Tin Leg Offer 24/7 Travel Assistance?

Tin Leg makes 24/7 assistance available to anyone who buys one of its travel policies. The company contracts with multiple providers to offer services for different situations, including medical aid, help with rebooking flights or accommodations, interpretation assistance, help in cases of identity theft and roadside assistance. The all-encompassing service also includes concierge help for booking excursions, getting tickets to local events or securing restaurant reservations.

Tin Leg Customer Reviews

Most of the customer reviews for Tin Leg travel insurance are positive, with many people reporting that its policies were easy to buy and gave value for the money spent. However, some negative reviews report that trying to get compensation for a claim is time-consuming and difficult. Some customers report feeling unsatisfied with the service they received.

Here are a few examples:

“This is my most trusted, go-to travel insurance company that I have used many times. They are very easy to communicate with, are very professional and always take time to answer my questions. I only had to file a claim once, and it was truly painless and I was compensated quickly.” — Elaine via Sqauremouth “I purchased this insurance for a cruise and extended stay in Greece. We wanted to customize the coverage, as we did not need the full coverage provided by the cruise company. [Tin Leg was] able to offer exactly what we needed at a price we felt was reasonable. Fortunately, we did not need to file a claim, as everything went according to plan, but we felt confident that we could have contacted you for assistance if needed.” — Jean via Squaremouth “I had spent quite a bit of time trying to check on the status of a claim submitted for a Tin Leg insurance policy. The claims were being handled by Broadspire. It shouldn't have taken nearly so long to reject the claim. They eventually sent a letter with the specific policies that they would pay out under and why my claim didn't qualify. It seems like that could have been handled in less than the 13 weeks that it took from submitting my claim to getting the rejection letter.” — Brian via Squaremouth “It took 13 months to finally get paid from Tin Leg. Our experience was similar to those described previously. They never review requested documents; they just ask for the same information over and over… Finally was reimbursed. It almost wasn't worth the aggravation and time it took to call or email.” — Rachel via Squaremouth

How to File a Claim with Tin Leg

There are three stages to the claims process for Tin Leg policies.

Travelers can report their claim online or call 1-844-240-1233 from 8 a.m. to 4 p.m. EST Monday through Friday. Once you submit your claim, you’ll receive follow-up instructions. You can expect to fill out a more detailed claim form to describe what happened.

After you submit the form, be prepared to send supporting documents if requested. Documents may include receipts for travel, hotel or other accommodations, evidence of delays or medical records if you’re asking for medical coverage reimbursement.

The claims process with Tin Leg is straightforward, especially if you use the company’s online system. However, Tin Leg reports an increase in claims, which will likely cause longer wait times for claims to get processed.

Is Tin Leg a Good Choice For Travel Insurance?

Tin Leg Travel Insurance offers a robust range of policies that include cancellation coverage, missed connection coverage, medical expenses , medical evacuation coverage and trip interruption coverage. The company’s standard plan offers value for the money with solid coverage options and limits. Meanwhile, specific options like the Adventure plan, USA Only plan and Luxury plan are ideal for travelers with a specific trip in mind.

Keep in mind that many customers say they experienced major delays in receiving compensation after finding it difficult to provide the requested documentation for claims.

We recommend Tin Leg for travelers who seek a provider for comprehensive insurance for a range of coverage scenarios and the option to customize their travel insurance plan.

Frequently Asked Questions About Tin Leg Travel Insurance

Is tin leg good travel insurance.

We rate Tin Leg as one of the top travel insurance providers in the U.S. thanks to its comprehensive range of policies and the ability to customize your travel insurance based on this collection of different options. It offers good value for money with its basic options and the reimbursement process is relatively straightforward when you have the right documents.

How does Tin Leg travel insurance rate?

We have given Tin Leg travel insurance a rating of 4.45 stars, based on its performance against competitors. What stood out for us was the range of policies available to travelers and the options provided to choose a plan tailored to your trip.

How much does the Tin Leg standard travel policy cost?

Based on the quotes we gathered for this article, the Standard Policy from Tin Leg cost was $146 for two adults traveling internationally. Prices will vary depending on the travelers that need insurance coverage, your destination and the length of your vacation.

How do you extend Tin Leg travel insurance coverage?

All of Tin Leg’s travel insurance policies can be extended up to seven days if their return home is delayed by a specific unforeseen covered by their policy. You can get the extension by contacting the provider if your return is delayed and may require medical records as proof if a medical emergency causes the delay.

Other Insurance Resources From MarketWatch Guides 

Read our comprehensive guides on the following insurance categories to find top providers and peace of mind that you have all aspects of life covered.

• Leading Pet Insurance Companies
• Top Travel Insurance Companies
• Best Homeowners Insurance Providers
• Leading Renters Insurance Companies
• Affordable Renters Insurance Providers
• Top Term Life Insurance Providers
• Budget-friendly Homeowners Insurance Companies

Methodology: Our System for Ranking the Best Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

More Travel Insurance Reviews

Create a Tin Leg Customer Account

From your customer account, you can manage your Tin Leg policy online and quickly access important contact information.

Access your policy’s coverage

Resend your policy documentation

Modify or cancel your policy

Request emergency assistance

Report a claim

Submit a customer service support request

Are you a Tin Leg agent?

Log in to your agent account here .

Questions? You can reach us at 844-240-1233, seven days a week from 8am to 10pm ET

• 24 Hour AD&D

$10,000 per person

24-Hour AD&D provides a cash payment in the event of accidental loss of life or limb during a covered trip.

ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay a percentage of the Principal Sum listed in the Schedule of Benefits when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table of Losses below. The loss must occur within 365 days after the date of the Accident causing the loss.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained loss shown in the Table of Losses.

TABLE OF LOSSES

Life 100% Both hands or both feet 100% Sight of both eyes 100% One hand and one foot 100% Either hand or foot and sight of one eye 100% Either hand or foot 50% Sight of one eye 50% Speech and hearing in both ears 100% Speech 50% Hearing in both ears 50%

Loss with regard to:

a) hand or foot, means actual complete severance through and above the wrist or ankle joints;

b) eye means an entire and irrecoverable loss of sight; and

c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears.

No benefit is payable for loss resulting from or due to stroke, cerebral vascular or cardiovascular Accident or event, myocardial infarction (heart attack), coronary thrombosis or aneurysm.

EXPOSURE : We will pay benefits for covered losses that result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event that caused the exposure.

DISAPPEARANCE : We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

We apologize, there has been a connection error. Please try again. If the error continues, please contact customer service at 844-240-1233.

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How to Use Your Customer Portal

Your Tin Leg Customer Portal allows you to easily manage your Tin Leg policies purchased anywhere online. From within your portal, you can view policy information, modify or cancel a policy, report a claim, resend documentation, and submit customer service support requests.

You can log in or sign up for an account from the Tin Leg homepage or from your confirmation email.

Policies purchased using the email address associated with your account will automatically be added to your account. Otherwise, they can manually be added.

How to add a policy to your account:

At the bottom of the “My Policies” section of your account, there is a link that says “Click here to search policies”. Selecting this link will prompt you to enter your policy number and a unique access code, which can be found on your policy confirmation email. Once entered, the policy will be added to your account.

Can a policy be in more than one account?

A Tin Leg policy can only be associated with one customer account.

If you have questions or need to make changes to a policy that is associated with your traveling companion’s account, we will be delighted to help you over the phone. We are available by phone at 800-240-1233, seven days a week from 8am to 10pm ET.

I didn’t purchase my Tin Leg policy on tinleg.com. Can it still be added to my account?

Yes. Any Tin Leg policy, including those purchased from aggregator websites other than tinleg.com, can be added to your account.

How to make changes to your policy:

You can update your policy’s trip information through your customer portal, including your trip cost, travel dates, and destination. Additionally, you can add available upgrades to your policy, and update any errors or changes to your name or contact information.

From the “My Policies” page, select the “Manage” button next to the policy you want to update. You can then select “Modify Policy” to change your policy information, or “Cancel Policy” to cancel.

If one or both of these options is not shown as available to you, please call our customer service team at 800-240-1233. We are available seven days a week from 8am to 10pm ET and are delighted to help.

Why are my policy modifications being reviewed?

The modification you are requesting is considered an exception request, meaning it must be reviewed and approved by a customer service representative, and sometimes the underwriter, before the modification is made. This is because the change you are requesting could potentially impact your eligibility for coverage.

A customer service representative will update you on the status of your request within one business day of your submitted modification.

Why are my modifications showing as “Restricted Changes”?

Your requested modifications are shown as restricted because they require approval from a customer service representative before the modification is completed. They require this review because they could potentially impact your eligibility for coverage.

A customer service representative will contact you within one day of your submitted modification to update you on the status of your request.

Why can’t I modify my policy?

There are limitations to what policy modifications can be completed within your customer portal. If you are unable to submit your policy modification, this is because the change impacts your eligibility for your policy.

If you have questions or cannot submit your change, please call our customer service team at 800-240-1233. We are available seven days a week from 8am to 10pm ET and are delighted to help.

How to view your policy modifications and cancellations history:

You can view all of the changes to your policies, including modifications and cancellations.

From the “My Policies” page, select the “Manage” button next to the policy with the changes you want to review. Select “Change History,” and you will be able to view each change, including the before and after, any premium change, the date and time the change was made and the person who made the change.

If a customer service representative made the change, “Tin Leg Customer Service Rep” will be displayed as the person who made the change. If a Tin Leg Agent made the change, their name will be shown. If you make the change, your name will be shown.

If the change was submitted by you or an Agent and required approval by a Tin Leg customer service representative, “Tin Leg Customer Service Rep” will be displayed as the person who made the change. If your change was denied by a customer service representative, this will not be shown in your Change History.

If you have questions about the information displayed in your Change History, our customer service team will be delighted to help. We are available by phone at 800-240-1233, seven days a week from 8am to 10pm ET.

How to resend your policy documents:

Your Tin Leg confirmation documents can be emailed to you, or anyone you choose, from within your customer portal.

From the “My Policies” page, select the “Manage” button next to the policy you want to update. Select “Email Policy Documents” and you will be prompted to confirm your email or enter a new one to send your information.

How to report a claim:

You can begin the claims process from within your customer portal.

To report your claim, start from the “My Policies” page, and select the “Manage” button next to the policy for which you need to report a claim.

You can then select “Report a claim” and complete the claim form, including a brief description of your claim. Once your claim is submitted, you’ll be contacted by a member of our claims team to schedule your claim interview.

How to submit a support request:

You can submit a support request for your claims or customer service questions. Once your request is submitted, a member of the respective team will contact you within one business day to help you with your questions.

To submit a support request, select “Support” in the navigation of your portal. You can then select if you are submitting a claim or customer service support request, then fill out the required information and submit your request.

If you need immediate Emergency Assistance while traveling, please contact our Emergency Assistance team directly. We’re available 24/7 and we are delighted to help.

Emergency Assistance Inside the U.S.: 844-927-9265 (Toll Free) Emergency Assistance Outside the U.S.: +1 727-264-5657 (Collect Call)

How to update your login info:

You can update your login email, password, and the name associated with your account in the “Profile” section of your account. If you update your login email address, you will be required to verify this email as you did when you signed up for an account.

If you’re having issues accessing your portal, our customer service team will be delighted to help. We are available by phone at 800-240-1233, seven days a week from 8am to 10pm ET.

Please call our customer service team if you have any additional questions. We are available by phone at 800-240-1233, seven days a week from 8am to 10pm ET.