Tin Leg Travel Insurance Company Review

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For a relatively new player in travel insurance, Tin Leg is already a top player in the industry. Tin Leg was founded by Squaremouth, a travel insurance comparison site, in 2014 as an alternative to other travel insurance products available. In 2018, Tin Leg was named the best travel insurance for seniors by Forbes as a top provider of medical benefits and competitive prices.

Tin Leg doesn't have a rating issued by the Better Business Bureau. However, its parent company, Squaremouth, has a "D-" rating. The BBB file for Squaremouth was opened on 2/24/2003 with only two customer complaints listed. It had eight complaints from May 2021 through May 2022.

Tin Leg was named by Forbes as the best travel insurance company for seniors. The company received high marks for its competitive rates and emergency medical coverage policy features. 

User Reviews

If you want to know what customers have to save about Tin Leg Travel Insurance and how satisfied they are with the service they received, you can check out user reviews online. Squaremouth is a comparison engine that also posts customer reviews. A company is rated on a scale of 1-star to 5-stars based on the customer reviews. Tin Leg receives a majority 4.61-star rating. Of the user reviews of Tin Leg Travel Insurance Company posted on Squaremouth, 2,364 were 5-star ratings as of May 2022, 555 were 4-star ratings, 169 were 3-star ratings, 55 were 2-star ratings and only 28 were 1-star ratings.

Available Plans

Tin Leg offers three comprehensive travel insurance policies to cover your travel insurance needs whether you are looking for an inexpensive travel policy or a policy with broad-based coverage options. You can choose from the Economy, Standard or Luxury travel insurance plans.

Tin Leg Economy: For those looking for the best price on travel insurance, the base product, Tin Leg Economy, offers affordable coverage for basic travel insurance needs.

Tin Leg Standard: If you need broad medical coverage when traveling but still are looking for savings, Tin Leg’s Standard policy may be the best choice for you.

Tin Leg Luxury:  Tin Leg Luxury offers the most comprehensive medical coverage for those who want to be sure any type of medical need is covered while traveling.

Each plan offers varying levels of coverage. Here are some of the features available in some form through each plan.

  • Trip Cancellation
  • Trip Interruption
  • Hurricane and Weather
  • Terrorism
  • Financial Default
  • Employment Layoff
  • Cancel for Medical Reasons
  • Cancel for Work Reasons
  • Cancel for Any Reason
  • Emergency Medical
  • Pre-Existing Conditions
  • Medical Deductible
  • Medical Evacuation
  • Medical Evacuation & Repatriation
  • None-Medical Evacuation
  • Travel Delay
  • Baggage Delay
  • Missed Connection

Optional Features and Services

All travel insurance plans offered through Tin Leg offer customers a money-back guarantee for up to 14 days after the purchase date, 24-hour assistance, and concierge services. Tin Leg’s emergency services include emergency medical assistance; emergency medical evacuation and repatriation coordination; medical, dental, and pharmacy referral; trip delay; baggage delay or lost baggage and emergency return home. You can call for emergency services toll-free within the U.S. at 844.927.9265, outside the U.S. at 1.727.264.5657, or email emergency@tinlet.com.

Policy Exclusions

While it is important to know what coverage options you will be buying under a travel insurance plan, it is also important to know what is not covered. Here are some of the policy exclusions:

  • Any losses resulting from a criminal act by you, a traveling companion, or family member, whether or not they are listed on the policy
  • Dental treatment except as a result of accidental injury to natural teeth.
  • Losses incurred while under the influence of drugs or other intoxicants unless prescribed by a physician
  • Mental or emotional disorders, unless you become hospitalized for the condition
  • Traveling for the purpose of securing medical treatment
  • Participation in bodily contact sports

Check here for a full list of coverage definitions and policy exclusions.

The Bottom Line

Customer reviews show that Tin Leg travel insurance policies are competitively priced and are often the least expensive available when looking to find travel insurance. The policies are written through a top-rated company, American Modern Insurance Group. Customer support is available to policy holder24 hours, 365 days a year.

Tin Leg keeps it simple with a choice of three plans. Economy is for those looking for the cheapest travel insurance policy, standard is for those needing more medical coverage and the luxury plan is for those wanting the most medical coverage in a travel insurance plan available.

Contact Information

To find out more about Tin Leg travel insurance, to receive a quote or find a local agent, you can visit the Tin Leg travel insurance website or you can call 844.240.1233 from 8 a.m. to 10 p.m. ET.

Article Sources

  1. Better Business Bureau. "Business Profile Squaremouth, Inc."

  2. SquareMouth Travel Insurance. "Reviews, Sales, and Service Ratings for Tin Leg."