Waste of money and time! Waste of money and time! After having to cut short trip to middle east due to Hamas invasion on Israel, I had to alter travel plans that were "supposed" to be covered by my expensive Tinleg travel insurance. It is now 5 months since I have submitted my claim, 5 (five!) different interchanges with their claims department wanting more and more information. The latest request was to see a copy of our boarding pass from our shortened trip!!! Shameful!

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.

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.

DO NOT TRUST THIS COMPANY What this company does is tantamount to theft. They happily took my money for the policy, and they have never paid out on my claim for delayed luggage. They passed me off to some third party for processing, I have supplied all of the requested documentation, and NOTHING - SIX MONTHS LATER. They just hope people will go away and give up? Disgusting. If you call, they "escalate" your case, but still NOTHING. DO NOT BUY FROM THIS COMPANY.

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.