Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Each of the company’s products are designed to provide travelers with comprehensive coverage, including in-demand Trip Cancellation and Trip Interruption benefits and Emergency Medical and Medical Evacuation coverage. In 2018, Tin Leg’s Luxury policy was rated the best travel insurance for seniors by Forbes for its high medical benefits.
Tin Leg’s award-winning customer service department, dedicated 24-hour emergency support, and revolutionary claims process have established the company as a trusted leader in the travel insurance industry. Tin Leg’s products are underwritten by Berkshire Hathaway Specialty Insurance Company and Starr Indemnity & Liability Company.
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Tin Leg Travel Insurance Plans
| ECONOMY | USA ONLY | GOLD | STANDARD | LUXURY | ADVENTURE | |
|---|---|---|---|---|---|---|
| Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Trip Interruption | 100% of trip cost | 100% of trip cost | 150% of trip cost | 150% of trip cost | 150% of trip cost | 150% of trip cost |
| Cancellation due to Weather |
Complete cessation of common carrier for 24 hours |
Complete cessation of common carrier for 24 hours |
Common carrier delay for 48 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named |
Common carrier delay for 24 hours Accommodation made uninhabitable Must be purchased before storm is named |
Common carrier delay for any length of time Accommodation made uninhabitable Must be purchased before storm is named |
Common carrier delay for any length of time Accommodation made uninhabitable Must be purchased before storm is named |
| Cancel For Medical Reasons |
Included in Trip Cancellation and Trip Interruption |
Included in Trip Cancellation and Trip Interruption |
Included in Trip Cancellation and Trip Interruption |
Included in Trip Cancellation and Trip Interruption |
Included in Trip Cancellation and Trip Interruption |
Included in Trip Cancellation and Trip Interruption |
| Cancel For Work Reasons |
No coverage | No coverage | No coverage | No coverage | Included in Trip Cancellation and Trip Interruption |
Included in Trip Cancellation and Trip Interruption |
| Accident and Sickness Medical Expense |
$20,000 per person | $10,000 per person | $500,000 per person | $20,000 per person | $100,000 per person | $100,000 per person |
| Primary or Secondary Medical |
Secondary coverage | Secondary coverage | Primary coverage | Secondary coverage | Primary coverage | Primary coverage if purchased within 15 days of Initial Trip Payment |
| Pre-Existing Conditions | No coverage Pre-existing look-back period 180 days |
No coverage Pre-existing look-back period 180 days |
Covered if purchased within 14 days of trip deposit | Covered if purchased within 15 days of trip deposit | Covered if purchased within 15 days of trip deposit | Covered if purchased within 15 days of trip deposit |
| Medical Evacuation & Repatriation |
$100,000 per person | $100,000 per person | $500,000 per person | $200,000 per person | $250,000 per person | $1,000,000 per person |
| Baggage Delay | $200 per person Covered after 24 hour delay |
$200 per person Covered after 24 hour delay |
$200 per person Covered after 24 hour delay |
$200 per person Covered after 24 hour delay |
$200 per person Covered after 24 hour delay |
$150 fixed per person Covered after 24 hour delay |
| Baggage / Personal Effects |
$500 per person | $500 per person | $500 per person | $500 per person | $500 per person | $1,000 per person |
| Travel Delay | $500 per person Covered after 12 hour delay |
$500 per person Covered after 12 hour delay |
$500 per person Covered after 6 hour delay |
$500 per person Covered after 6 hour delay |
$500 per person Covered after 6 hour delay |
$600 per person Covered after 5 hour delay |
| 24 Hour Assistance | 24 hour assistance provided | 24 hour assistance provided | 24 hour assistance provided | 24 hour assistance provided | 24 hour assistance provided | 24 hour assistance provided |
* - Conditions apply, not all coverages are listed, please refer to plan details for more information. Limits are per person, plan limits also apply.