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.

Tin Leg is terrible if you have a claim! I was quarantined in the Galapagos with Covid. When I filed my claim,Tin Leg kept requesting the same information I already provided, did not answer one of my voicemails, canceled my claim once, assisted me in no way with my claim or their process, and took 11 months to complete the process. I believe they would have been happy for me to go away without any payment. I will never use them again!

Filed a claim days after my return Filed a claim days after my return, took almost 4 months to get a final answer and get paid and I am an attorney! The back and forth was duplicative and just stalling.

Tin Leg Insurance - Not Responsive I have had 3 trip insurance claims open for 6 months. I have provided all requested information and documentation multiple times. I was sent to the Zero Complaint Department. They did zero about my complaint other than having me send them all the documentation again. My calls get routed to voicemail or I get sent to another agent who’s going to “take care of it today”….then nothing.

It has now been almost 3 months and I… It has now been almost 3 months and I don't have my claim money. There is no way to talk to your claim representative and they dont respond to email or phone calls and even support tickets marked urgent sent to managers etc. "you will get your claim money within 15 days of us receiving your information" yeah i guess that could be true except when they come back week after week and ask for the same crap over and over again this process drags itself out. Absolutely shameful what they expect customers to put up with and have zero accountability or care for you. Avoid at all costs!