Tin Leg Travel Insurance Review 2024

Tin Leg’s Gold plan (above) is a reasonably priced travel insurance policy that provides higher medical benefits than other Tin Leg policies. It provides cancellation benefits if you’ve worked at the same place for three consecutive years and are laid off, and for the financial default or bankruptcy of your travel provider.

Tin Leg Platinum plan

This plan has trip cancellation coverage of $20,000, emergency medical of $100,000 and emergency evacuation of $500,000. The plan’s baggage loss coverage has a limit of $500.

Tin Leg Silver plan

Tin Leg’s Silver plan includes Covid-related cancellation and medical benefits as well as travel delay benefits. This new plan was launched this spring to fulfill requirements for countries that require travel insurance for Covid-19.

Tin Leg Adventure plan

This plan is suited for travelers who will be participating in adventure activities that other plans might exclude. For example, the Adventure plan will cover injuries from bamboo rafting, cave diving, dog sledding, ice climbing, parasailing and hundreds of other activities.

This plan includes canceling for Covid-19 sickness coverage with medical coverage for Covid included in the plan’s emergency medical coverage. There is a sports equipment delay of $500 per person.

Tin Leg Luxury plan

This plan covers travelers for Covid-19 under the emergency medical trip cancellation and interruption coverage. The emergency medical coverage is $100,000 per person. Medical evacuation is $250,000 per person.

Tin Leg Standard plan

This travel insurance plan includes cancellation coverage for medical reasons and severe weather and up to 150% of a traveler’s trip costs are covered under trip interruption coverage. Travel delay, baggage delay and baggage loss are included.

Tin Leg Economy plan

This cost-effective plan has basic cancellation coverage including 100% reimbursement for cancellations or interruptions for bad weather or medical issues.
Travel delay, baggage delay and baggage loss are also covered.

Tin Leg Basic plan

This travel insurance plan comes with an affordable premium and offers trip cancellation coverage of $10,000 and emergency medical coverage of $25,000. Baggage loss, travel delay and accidental death are other benefits.

“Cancel for any reason” (CFAR) travel insurance is an optional coverage available in Tin Leg’s Gold and Silver plans. This upgrade lets you cancel for a reason not listed in the base policy. It provides reimbursement of 75% of your trip costs.

Tin Leg offers optional rental car damage coverage with its Luxury plan.

Because travel benefits vary among Tin Leg’s travel insurance plans, so does pricing. Cost for travel insurance generally varies by your age and trip cost. Here are examples of prices for Tin Leg’s Gold plan without CFAR:

Travelers and trip	Cost per trip for the Tin Leg Gold plan
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days	$104
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days	$320
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days	$680
Family with two parents age 40 and two children, $15,000 trip cost, traveling to France for 17 days	$680
Family with two parents age 40 and two children, $15,000 trip cost, traveling to the U.K. for 17 days	$680
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$416
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days	$282

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Tin Leg has a 24/7 emergency assistance department to assist travelers with medical and travel emergencies and other issues. The emergency assistance team can help with emergency medical evacuation, trip delays, baggage delays, lost luggage and medical, dental and pharmacy referrals.

All travel insurance plans have exclusions, and it’s a good idea to familiarize yourself with this fine print so that you know what your plan doesn’t cover. Here are some examples of exclusions from Tin Leg:

• Intentionally self-inflicted injury, suicide or attempted suicide
• Participation in professional athletic events, motor sport or racing, including training or practice
• Mountain climbing that requires equipment
• Operating or learning to fly an airplane as a student, pilot or crew member
• Mental nervous or psychological disorder
• Mental health care
• Replacement of hearing aids, eye glasses, contact lenses and sunglasses

With Tin Leg you can report a claim online or by phone. Once you complete your claim including details of your trip and the problem, you’ll need to provide supporting documentation such as receipts, invoices and medical information, depending on your type of claim.

We analyzed travel insurance policies that include “cancel for any reason” coverage. We scored 23 policies on the following:

Cost (75% of score): Average prices for CFAR policies are based on rates for seven different trips for a variety of traveler ages and trip costs:

• Couple, age 30 for a Mexico trip costing $3,000.
• Couple, age 40, for an Italy trip costing $6,000.
• Family of four for an Italy trip costing $15,000.
• Family of four for a France trip costing $15,000.
• Family of four for a U.K. trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.

CFAR reimbursement level of trip cost: (25% of score): Policies providing 75% reimbursement were awarded points.