Horrible Company to deal with My trip was to Israel in Nov of 2023. Terrisoum was a covered item and it's Jan 9, 2024 and the claims department keeps saying that the determination has not been made by the underwriter. These people are not worth the headache. Going back to Allianz for my next policy!!!

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.

Poor service from Tin Leg I purchased a travel policy for a very expensive safari to Tanzania. I posted a small claim, about 5%, of the total amount insured for extra expenses incurred when a regional flight from Kilimanjaro to Nairobi was reschedule 2 hours later than planned and would have caused me to miss my flight back to the US. I had to reschedule on a different airline an earlier flight. I found out about the change by email the night before departure and spent 3 hours in the bush trying to get through and have never been able to. I have submitted the requested information 4 times to Tin Leg and each time they ask for more including policies from the small Kenyan airline which I have explained doesn't exist. I provide a letter of explanation from the Travel Agent in S Africa that booked the whole trip verifying the details of the problem. The ball keeps moving. Do NOT insure your trip with Tin Leg.

SCAM COMPANY Refusing to pay out on a legitimate claim, after taking 4 months and asking me repeatedly to send the same information over and over. They required me to send my bank statements, which I'm wondering is that even legal? I've filed a complaint with the NAIC and the state of Florida. I'm looking into finding a local consumer investigator to take a look and report on them since so many people have been scammed.