Tin Leg Travel Insurance Review

Tin Leg's seven plans organize by medical coverage amounts. Economy, Standard, and Basic work for budget travelers with medical limits of $20,000 to $50,000. Platinum, Luxury, Gold and Silver serve comprehensive coverage needs with $100,000 to $500,000 medical protection.

Choose plans based on your medical coverage needs:

• Economy/Standard/Basic: Lower-cost plans designed for short international trips, with medical coverage ranging from $20,000 to $50,000
• Platinum/Luxury: Broad, mid-tier coverage that includes up to $100,000 in medical benefits for more comprehensive protection
• Gold: Built for travelers who want higher medical limits, offering coverage up to $500,000
• Silver: Best suited for remote or hard-to-reach destinations, with evacuation benefits capped at $1 million

Specialized Plans:

• Cruise Insurance: Covers itinerary changes, missed ports, and cruise-specific disruptions
• Adventure Plan: Includes protection for sports activities and coverage for personal equipment

Tin Leg prices plans by medical coverage tiers. Basic costs $43 with $50,000 medical coverage. Silver costs $118 with $250,000 medical and $1 million evacuation. Your trip cost affects the final price. Seniors pay 70% to 115% more than younger travelers.

Tin Leg ranks eighth with an 89 overall score. Its 94 coverage score ranks fourth among 13 providers, but 86 affordability and 89 service scores explain its eighth-place finish despite strong coverage performance.

• 95 stability score reflects A-rated underwriters versus 100 scores for A+ rated companies (Generali, Allianz, IMG, Travel Guard, BHTP)
• 89 service score matches six other providers; Allianz (100), Travel Guard (98), and Travelex (99) excel in service

Tin Leg earned 4.5 stars on Squaremouth based on over 2,800 reviews, with praise for pre-trip service balanced against frustration with third-party claims processing through Broadspire.

• Easy Plan Comparison: Website displays all seven plans side-by-side.
• Quick Straightforward Claims: Claim process is very smooth. Documentation submission, approval, and receipt of claim may take less than a week.
• Successful Complex Claims: One couple reported Tin Leg approved their cruise cancellation claim after health deteriorated before departure.

• Third-Party Claims Handoff: Transfer slows down timeline. Multiple adjuster changes create communication gaps.
• Extended Processing Times: Some have experiences submitting a claim pending over nine months and it is still ongoing.
• Repeated Documentation Requests: Different submissions even after approval of predecessors.
• Denial Communication Gaps: Long wait times, with one customer whose medical cancellation was denied despite physician documentation.

Tin Leg covers trip disruptions, medical emergencies, baggage issues and 24/7 assistance across all plans, with benefit limits varying by plan.

• Trip cancellation reimburses 100% of prepaid, nonrefundable costs for covered reasons such as illness, injury, death, severe weather, jury duty, job loss or supplier bankruptcy.
• Trip interruption reimburses unused trip costs and return transportation up to 150% of the insured trip amount.
• Travel delay covers lodging and meals after five- to six-hour delays, with $600 to $750 maximums.
• Missed connection reimburses up to $500 after delays of three hours or more.
• Emergency medical pays $20,000 under Economy plans up to $500,000 under Gold, including hospital care, emergency services, ambulances and prescriptions.
• Medical evacuation covers transport to appropriate facilities or home when required, with limits from $100,000 to $1 million by plan.
• Pre-existing conditions are covered when the policy is purchased within 14 days of the initial trip deposit.
• Baggage loss or damage reimburses $500 to $2,500, with per-item limits of $100 to $250 and deductibles from $0 to $25.
• Baggage delay reimburses essential purchases after 12- to 24-hour delays, with $200 to $600 limits.
• 24/7 emergency hotline assists with medical coordination, transportation, document replacement and emergency cash transfers.

• Cancel for any reason reimburses 75% of trip costs with no dollar cap when added to Gold, Luxury, or Silver plans within 14 days of the initial trip deposit.
• Rental car damage coverage applies to collision, theft, and vandalism, with limits up to $35,000 under the Luxury plan.
• Adventure sports coverage and cruise-specific benefits available through dedicated plans.

• Known events announced before purchase, including strikes, named storms, and travel advisories
• Medical exclusions such as pregnancy complications outside emergencies, intoxication, self-harm and non-emergency care
• Activity exclusions for high-risk activities without the Adventure plan, and war or terrorism outside Gold, Luxury or Silver plans
• Pre-existing conditions on policies purchased after the 14-day eligibility window

Tin Leg contracts with Broadspire to process claims, which extends timelines but reduces costs.

File claims at tinleg.com, email claims@tinleg.com, or call 844-240-1233 Monday-Friday 8am-4pm ET. Straightforward claims complete within two weeks; complex medical claims often take three-to-nine months.