Don't Use Tin Leg Travel Insurance Company! In October I fractured two vertebra in a boating accident on a remote island in the Galapagos. There was no hospital and no MRI available so my condition was not diagnosed until I returned to the US. However, the pain of two fractured vertebra was so severe, the next day I could not climb into the small prop plane that was the only way off the island. I had to rebook my flight and it took two days before I was able to move enough to get onto the plane. I asked to be reimbursed for the cost of the new plane flight and was told I had to have a letter from a doctor saying I could not leave on the appointed plane, but the doctor did not know my back was broken because he didn't have the equipment to diagnose it, so no letter was possible. I provided documentation of my condition when I returned to US and had an MRI but Tin Leg refused reimburse me for the changed flight.

Don't waste your money, time, or energy Just don't bother. I bought insurance for a trip that was canceled at the last minute because of a medical issue. I spent months going back and forth with them, sending them any documentation I could get, spending hours on the phone trying to get said documentation, only for them to tell me the documentation I provided wasn't what was required -- and they told me this again and again, even when I got them specifically what they asked for. This went on for three months. Ultimately, they sent me an email saying that they couldn't give me any of my money back because (a) the trip was canceled with less than 48 hours notice, and (b) my doctor (who wrote multiple letters to them trying to explain the problem) didn't explicitly state that he recommended the trip be canceled. The fact that the trip was canceled less than two days before I was due to leave is something they knew from the very beginning, so they literally wasted hours and hours of my time (again, for three months) running me ragged to get "documentation" that they didn't even need. I know insurance companies thrive off of avoiding paying out to "clients," but to string people along like this is just needlessly cruel. "Cancel for Any Reason benefit" my ass.

Wow, Really Tin Leg I bought travel insurance with Trip Cancellation and Trip Interruption. On my Vacation I had a Nile River Cruise booked and "Viator/Trip Advisor" canceled my cruise without explanation. Tin Leg is denying my claim because they don't have a reason why it was canceled. I would think the emails stating the canceled cruise would explain it all. I'll be back to update this review if anything changes. As of 7-3-2022 Tin leg is not communicating at all to resolve what I bought this insurance for. I'll be back to update any Positive or Negative results.

They do all they can to not pay They do all they can to not pay. I have submitted many claims & had phone conversations. they continue to want unreasonable new "proofs." All this for a very small amount of what ElAl doesn't refund. I will never use them again & will recommend the same to others.

Do not use this company Do not use this company. I travel all over the world and always purchased travel insurance. I have been lucky to only ever had the need to make a claim twice, once with another company, who were wonderful to deal with and then with Tin Leg. Tin Leg, is slow, they found every reason to deny the claim. They denied both my and a friends claim who I was travelling with. We had the same flights, hotels, expenses, etc. However, my friend was an attorney and challenged their denial after reading their policy, they then approved her claim, while still not approving mine. It was not until, she assisted me that they decided to approve my claim (I still have not been reimbursed 5 months later) due to a claims adjuster making the process as difficult as possible. It is a shame that you have to have legal representation to have a legitimate claim paid out.