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Before finalizing your travel plans, look into various insurance policies to safeguard yourself against potential risks. Travel insurance is an invaluable resource that can protect you from many unforeseen issues, but not all companies provide the same level of coverage. And some companies' policies may cost more than others.
That's where
Types of 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.
| Economy | Basic | Standard | Luxury | |
| Trip cancellation | 100% of trip cost ($100K max) | 100% of trip cost ($100K max) | 100% of trip cost ($100K max) | 100% of trip cost ($100K max) |
| Trip interruption | 100% of trip cost ($100K max) | 150% of trip cost | 150% ($150K max) | 150% ($150K max) |
| Cancel For Any Reason | N/A | N/A | N/A | Optional coverage |
| Emergency medical | $20K (secondary coverage) | $50K (secondary coverage) | $30K (secondary coverage) | $100K (primary) |
| Medical evacuation & repatriation | $100K | $200K | $200K | $250K |
| Travel delay | $500 ($150/ day, for 12+ hour delays) | $500 ($150/ day, for 6+ hour delays) | $500 ($150/ day, for 6+ hour delays) | $2K/ day, 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/ first item and subsequent items, $500/ specific items | $500 limit, $100/item, $300/ specific items, $25 deductible | $500/person, $100 limit for first and subsequent items, $500 specific items limit, $25 deductible | $500/person, $100 limit/ first and subsequent items, $500/ specific items |
| Missed connection | N/A | $250/ person, for 12+ hour delay | N/A | $100/ person, for 3+ hour delay |
| Accidental death & dismemberment | N/A | N/A | N/A | N/A |
Here's how the Adventure, Silver, Platinu, and Gold plans compare:
| Adventure | Silver | Platinum | Gold | |
| Trip cancellation | 100%/ trip cost ($50K max.) | 100%/ trip cost ($100K max.) | 100%/ trip cost ($20K max.) | 100%/ trip cost ($30K max.) |
| Trip interruption | 100%/ trip cost ($75K max.) | 150%/ trip cost | 150%/ trip cost | 150%/ trip cost |
| Cancel For Any Reason | Optional coverage | Optional coverage | N/A | Optional coverage |
| Emergency medical | $100K (must purchase within 15 days of trip deposit, primary coverage) | $250K (secondary coverage) | $100K (secondary coverage) | $500K (primary) |
| Medical evacuation & repatriation | $1M | $1M | $500K | $500K |
| Travel 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 limit |
| Missed connection | $500/person, for 3+ hour delays | N/A | $250/person, for 6+ hour delays | $500/person, for 3+ hour delay |
| Accidental death & dismemberment | $25K | N/A | N/A | $10K |
Additional Coverage Options
Tin Leg travel insurance offers 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 Tin Leg Travel Insurance 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 estimate 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.
| Plan | Price |
| Economy | $160 |
| Standard | $191 |
| Luxury | $206 |
| Adventure | $236 |
| Gold | $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 the average cost of travel insurance.
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.
| Plan | Price |
| Economy | $664 |
| Standard | $795 |
| Luxury | $823 |
| Adventure | $838 |
| Silver | $448 |
| Gold | $396 |
| Basic | $262.71 |
| Platinum | $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, but the average still aligns with industry standards. And you'd have various plans from which to choose, so you could tailor your coverage to your specific needs.
Lastly, we'll look at sample rates for a 45-year-old residing in Texas spending $7,000 on a trip to Austria.
| Plan | Price |
| Economy | $627 |
| Standard | $750 |
| Luxury | $779 |
| Adventure | $794 |
| Gold | $357 |
| Basic | $193.68 |
| Platinum | $226.97 |
Like 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 proper look at which policy is best for you, you'll need to get quotes based on your personal details and trip specifics. Then, decide while considering your coverage needs, wants, and budget.
How to File a Claim
One exceptionally nice aspect of
You'll be asked to provide your trip details, the issue you faced, and supporting documentation like receipts and invoices.
Tin Leg Travel Insurance FAQs
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, 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.
How long does it take to process a claim with TinLeg?
Many travel insurance claims take one to two months to process. From the customer reviews we saw, Tin Leg may also have one to two-month wait times on some claims.
Methodology: How We Reviewed Tin Leg
To review Tin Leg 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 the best 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 best policy for you will be the one that provides the coverage you need and limits you're comfortable with while also staying within budget.
Compare Tin Leg vs. AIG Travel Guard
To compare Tin Leg travel insurance to
With AIG Travel Guard's Deluxe plan, you'll get:
- Trip cancellation coverage up to $150,000
- Trip interruption coverage up to $225,000
- Emergency medical coverage of $100,000
- Coverage for baggage loss, theft, or damage up to $2,500
- Travel 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.
Remember that the premium costs will depend on 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
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 coverage
- Up 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.