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Tin Leg/Insider
Before finalizing your travel plans, be sure to look into various insurance policies to safeguard yourself against potential risks. Travel insurance is an invaluable resource that can protect you from a number of unforeseen issues, but not all companies provide the same level of coverage. And some companies’ policies may cost more than others.
That’s where Tin Leg travel insurance comes in. Created by travel agency Squaremouth, Tin Leg offers eight different plans with varying coverage levels and benefits, with the option to add Cancel for Any Reason (CFAR) coverage to select plans. Keep reading to see if Tin Leg is the right travel insurance for you.
Travel insurance plans from Tin Leg
Tin Leg travel insurance offers eight travel insurance plans: Economy, Basic, Standard, Luxury, Adventure, Silver, Platinum, and Gold. Each plan offers varying levels of protection that correspond to the premium costs.
Here’s a look at what you’ll get with each plan. We’ve split the eight plans into two tables to make things easier to follow.
EconomyBasicStandardLuxuryTrip cancellation100% of trip cost ($100K max.)100% of trip cost ($100K max.)100% of trip cost ($100K max.)100% of trip cost ($100K max.)Trip interruption100% of trip cost ($100K max.)150% of trip cost150% ($150K max)150% ($150K max)Cancel For Any ReasonN/AN/AN/AOptional coverageEmergency medical$20K (secondary coverage)$50K (secondary coverage)$30K (secondary coverage)$100K (primary)Medical evacuation & repatriation$100K$200K$200K$250KTravel delay$500 ($150 daily limit, for 12+ hour delays)$500 ($150 daily limit, for 6+ hour delays)$500 ($150 daily limit, for 6+ hour delays)$2,000 ($150 daily limit, for 6+ hour delays)Baggage delay$200 (24+ hour delays)$200 (24+ hour delays)$150 (12+ hour delays)$500 ($100 daily limit, 8+ hour delays)Baggage & personal items loss$500/person, $100 limit for first item and subsequent items, $500 specific items limit$500 policy limit, $100/item, $300 specific items limit, $25 deductible$500/person, $100 limit for first and subsequent items, $500 specific items limit, $25 deductible$500/person, $100 limit for first and subsequent items, $500 specific items limitMissed connectionN/A$250/person, for 12+ hour delayN/A$100/person, for 3+ hour delayAccidental death & dismembermentN/AN/AN/AN/A
Here’s how the Adventure, Silver, Platinu, and Gold plans compare:
AdventureSilverPlatinumGoldTrip cancellation100% of trip cost ($50K max.)100% of trip cost ($100K max.)100% of trip cost ($20K max.)100% of trip cost ($30K max.)Trip interruption100% of trip cost ($75K max.)150% of trip cost150% of trip cost150% of trip costCancel For Any ReasonOptional coverageOptional coverageN/AOptional coverageEmergency medical$100K (must purchase within 15 days of trip deposit, primary coverage)$250K (secondary coverage)$100K (secondary coverage)$500K (primary)Medical evacution & repatriation$1 million$1 million$500K$500KTravel delay$600 ($200 daily limit, for 5+ hour delays)$2,000 ($150 daily limit, for 6+ hour delays)$500 ($150 daily limit, for 6+ hour delays)$500 ($150 daily limit, for 6+ hour delays)Baggage delay$150 (12+ hour delays)$500 ($100 daily limit, 8+ hour delays)$200 (24+ hour delays)$200 ($100 daily limit, 24+ hour delays)Baggage & personal items loss$1,000/person, $500 limit for first item, $250 limit for subsequent items, $500 specific items limit$2,500/person, $250/item, $1,250 specific items limit$500 policy limit, $25 deductible$500/person, $100/item, $250 specific items limitMissed connection$500/person, for 3+ hour delaysN/A$250/person, for 6+ hour delays$500/person, for 3+ hour delayAccidental death & dismemberment$25KN/AN/A$10K
Additional coverage options from Tin Leg
Tin Leg travel insurance offers a couple of additional coverage options, but they’re only available on specific plans.
You can add rental car damage coverage to the Luxury plan for an additional fee. And both the Gold and Silver plans allow you to add on CFAR (cancel for any reason) coverage. With CFAR coverage travel insurance, you can cancel for any reason not listed in the base policy and be reimbursed — in the case of Tin Leg, for 75% of your trip costs.
How much does travel insurance from Tin Leg cost?
Getting a quote from Tin Leg travel insurance is an easy process. You can do so from their website or an insurance aggregator like Squaremouth.
After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you’ll get an instant quote for the plans available for your trip. And from there, it’s easy to compare each option based on your coverage needs and budget.
Now let’s look at a few examples to get an idea of Tin Leg’s coverage costs.
This first example represents the available plans and their respective premiums for a 30-year-old California resident spending $4,000 on a two-week trip to Aruba.
PlanPriceEconomy$160Standard$191Luxury $206Adventure$236Gold $152
The lowest priced Gold plan costs just $152, while the highest priced Adventure plan runs $236. These rates are around 4% to 6% of the total cost of the trip, which is right in line with industry averages.
Now we’ll look at coverage options for a 50 year old resident of Nevada spending $8,000 on a two-week trip to the Maldives.
PlanPriceEconomy$664Standard$795Luxury $823Adventure$838Silver$448Gold$396Basic$262.71Platinum$303.36
With premiums ranging from $263 to $838, you’re looking at rates between 3% to just over 10% of the total trip costs. That’s a wide range, of course, but the average still aligns with industry standards. And you’d have a variety of plans from which to choose, so you could tailor your coverage to your specific needs.
Lastly, we’ll look at samples rates for a 45-year-old residing in Texas spending $7,000 on a trip to Austria.
PlanPriceEconomy$627Standard$750Luxury $779Adventure$794Gold$357Basic$193.68Platinum$226.97
Similar to the above example, these premiums range from about 3% to just over 11% of the total trip cost. But, of course, the higher the premium the more coverage you’ll get.
To get a true look at which policy is best for you, you’ll need to get quotes based off of your personal details and trip specifics. Then, make the decision while considering your coverage needs, wants, and budget.
How do I file a claim with Tin Leg?
One exceptionally nice aspect of Tin Leg travel insurance is that you can report a claim online or over the phone. You can contact Tin Leg’s claims department by phone at 844-240-1233 or email at [email protected]. It’s available weekdays between 8 a.m. and 4 p.m. ET.
You’ll be asked to provide your trip details and the issue you faced, along with supporting documentation like receipts and invoices.
Compare Tin Leg vs AIG Travel Guard
To compare Tin Leg travel insurance to AIG Travel Guard, we’ll consider the coverage limits from their highest-rated, Gold and Travel Guard Deluxe plans, respectively.
With AIG Travel Guard’s Deluxe plan, you’ll get:
Trip cancellation coverage up to $150,000 Trip interruption coverage up to $225,000Emergency medical coverage of $100,000Coverage for baggage loss, theft, or damage up to $2,500Travel delay coverage of up to $1,000
Comparing those coverages with Tin Leg’s Gold plan, you’ll see that AIG’s coverages are better than Tin Leg’s in all areas except one – emergency medical. While AIG offers emergency medical coverage of $100,000, Tin Leg’s coverage limit is $500,000 (in primary coverage).
If the medical coverage piece is what’s most important to you, Tin Leg would be the right choice in this scenario. That said, having $100,000 in emergency medical coverage is nothing to scoff at, so it may come down to comparing premium costs.
Just remember that the premium costs will depend on things like the traveler’s age, trip destination, and trip cost. So you’ll need to compare these two insurers using your trip-specific information to get a solid idea of the costs associated with each plan.
Read more: AIG Travel Guard insurance review
Compare Tin Leg vs Allianz
Both Allianz Travel Insurance and Tin Leg travel insurance offer a variety of travel insurance plans designed for different types of travelers with varying types and degrees of coverage.
In this comparison, we’ll look at Allianz’s most popular single-trip plan, the OneTrip Prime plan, compared to Tin Leg’s Basic plan.
With Allianz’s most popular single-trip OneTrip Prime plan, you’ll get:
Up to $100,000 in trip cancellation coverageUp to $150,000 in trip interruption coverage $50,000 in emergency medical coverage Up to $1,000 in coverage for baggage loss, theft, or damage Up to $800 in travel delay coverage
In looking at Tin Leg’s basic plan, you’ll find that these two policies offer the same $50,000 coverage limit for emergency medical. Still, Allianz’s plan exceeds Tin Leg’s in the other coverage limits. That said, you’ll have to quote both of these policies using your personal trip information to make an informed decision, especially if cost is the most important factor to you.
Read more: Allianz travel insurance review
Compare AIG Travel Guard vs credit card travel insurance
Do you have a travel rewards credit card? If so, consider the type of insurance coverage it may (or may not) offer. Some basic coverages, like primary rental car insurance, are provided through travel rewards credit cards. And if you don’t need medical coverage or don’t have a lot of non-refundable trip expenses, the coverage offered by your credit card could suffice.
That said, don’t forget that credit card coverage is sometimes considered secondary coverage. That means you’ll have to file a claim with any other applicable insurer before filing a claim with your credit card company.
Methodology
To review Tin Leg travel insurance travel insurance, we looked at several different factors. These included premium costs, coverage categories, and claim limits. In addition, we compared the policies and premiums available through Tin Leg to those from other reputable travel insurance providers to see how they stack up — and also considered any additional add-on coverages available and the ease of getting a quote and filing a claim.
In the end, the policy that’s best for you will be the one that provides the coverage you need and coverage limits you’re comfortable with while also staying within budget.
Tin Leg travel insurance frequently asked questions (FAQ)
Is Tin Leg insurance legit?
Yes, Tin Leg is a legitimate travel insurance company founded in 2014 by Squaremounth, the reputable travel insurance comparison company. You’ll likely find something that fits your needs with a wide range of policies to choose from, strong coverage limits, and competitive prices.
Is Squaremouth insurance legit?
Yes. Squaremouth, a travel insurance comparison company, has been in business for nearly two decades. And in 2014, it created Tin Leg, its own travel insurance company, which offers a wide variety of coverages to travelers.