Tin Leg Travel Insurance Company Review

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Company Overview

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 2013 as an alternative to other travel insurance products available.

Tin Leg travel insurance is underwritten by American Modern Insurance Group, an “A+” A.M. Best rated company and even though it is a new competitor in the travel insurance world, in 2014, it was one of the top-sellers of travel insurance for the first month of the year.

 The company’s average overall customer satisfaction rating through SquareMouth is 4.45 out of 5.

Since Tin Leg is a relatively new company, it does not have a rating issued by the Better Business Bureau. However, its parent company, SquareMouth, has an "A+" rating. The BBB file for SquareMouth was opened on 2/24/2003 with only 2 customer complaints listed. American Modern Insurance Group underwrites the policies for Tin Leg. American Modern Insurance Group has been a BBB accredited business since 1947 and has an "A+" rating. American Modern has a total of 70 customer complaints and 16 negative reviews. It has a composite score of 3.68 out of 5 stars.

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 is some form through each plan.

  • Trip Cancellation
  • Trip Interruption
  • Hurricane & 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.

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 call 1-800-240-0369.