Tin Leg Travel Insurance Review: Is it Worth the Cost?

Tin Leg offers nine different insurance policies of varying cost and coverage, so consider all your options.

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

Updated · 3 min read
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Tin Leg

3.0

NerdWallet rating 
Few customizations are available, but plans are generally affordable. This is a good fit for budget travel with basic coverage.
Compare Rates
at SquareMouth

Pros

  • In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
  • Adventure sports-specific coverage is available.

Cons

  • Plans have overlap that can be hard to distinguish.
  • Claim approval can be lengthy.
  • Only one plan includes Rental Car Damage coverage available as an add-on.
insurance-product-card-logo
Compare Rates
at SquareMouth

Tin Leg

3.0

NerdWallet rating 
Few customizations are available, but plans are generally affordable. This is a good fit for budget travel with basic coverage.

Pros

  • In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
  • Adventure sports-specific coverage is available.

Cons

  • Plans have overlap that can be hard to distinguish.
  • Claim approval can be lengthy.
  • Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg offers lots of different plans to travelers and is priced far below its competitors, but its bare-bones options may not be the right fit for everyone.

Why trust NerdWallet?

Our Nerdy editorial team aims to be a starting point in your travel insurance research. We default toward transparency and follow a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers and advertising relationships do not influence our ratings. Learn more about our strict editorial guidelines.

What is Tin Leg?

Tin Leg is owned by travel insurance aggregator Squaremouth, a company that sells insurance as well as compares policy prices. Squaremouth is a NerdWallet partner. It has three companies that underwrite its policies depending on which one you purchase:

  • Berkshire Hathaway Specialty Insurance Co.: AM Best rating of A++ (superior).

  • Starr Indemnity & Liability Co.: AM Best rating of A (excellent).

  • Spinnaker Insurance Co.: AM Best rating of A- (excellent).

AM Best is a company that ranks insurance companies based on their solvency and likelihood to pay out claims.

What does Tin Leg cover?

Tin Leg travel insurance coverage varies based on which policy you purchase. However, you’ll find Tin Leg health insurance coverage on all plans and benefits such as coverage for adventure activities on most plans.

  • Baggage insurance: Reimburses you for expenses incurred when your luggage is delayed or covers the cost of replacing lost items. 

  • Trip cancellation and trip interruption: Covers you in the event your trip is canceled or interrupted due to a covered reason; repays nonrefundable trip costs. 

  • Travel delay: Reimburses the cost of meals and accommodations when a trip is unexpectedly delayed. 

  • Tin Leg travel insurance medical coverage: Pays for injuries and illnesses that occur during your trip. 

  • Emergency medical evacuation: Covers the cost of moving you from one location to another to get appropriate health care.

  • Sports and adventure activities: Includes medical coverage even when you’re doing activities that are normally excluded. 

Tin Leg policies

Trip cancellation

Trip interruption

Medical coverage

Luggage

Tin Leg Economy

Up to 100% of trip cost.

Up to 100% of trip cost.

$20,000 per person (secondary).

Up to $500 for loss, up to $200 for delay.

Tin Leg Standard

Up to 100% of trip cost.

Up to 150% of trip cost.

$30,000 per person (secondary).

Up to $500 for loss, up to $200 for delay.

Tin Leg Luxury

Up to 100% of trip cost.

Up to 150% of trip cost.

$100,000 per person (primary).

Up to $500 for loss, up to $200 for delay.

Tin Leg Adventure

Up to 100% of trip cost.

Up to 150% of trip cost.

$100,000 per person (primary).

Up to $1,000 for loss, up to $200 for delay.

Tin Leg Silver

Up to 100% of trip cost.

Up to 150% of trip cost.

$250,000 per person (secondary).

Up to $2,500 for loss, up to $500 for delay.

Tin Leg Gold

Up to 100% of trip cost.

Up to 150% of trip cost.

$500,000 per person (primary).

Up to $500 for loss, up to $200 for delay.

Tin Leg Basic

Up to 100% of trip cost.

Up to 150% of trip cost.

$50,000 per person (secondary).

Up to $500 for loss, up to $200 for delay.

Tin Leg Platinum

Up to 100% of trip cost.

Up to 150% of trip cost.

$100,000 per person (secondary).

Up to $500 for loss, up to $200 for delay.

Add-on options

Tin Leg offers a few add-on options, although they’re not available for every plan:

What’s not covered by a Tin Leg plan

All of Tin Leg’s plans are comprehensive, so you’ll have a base level of coverage no matter which one you buy. However, there are some exclusions that should be noted.

  • Named storms.

  • Acts of war.

  • Epidemics.

  • Intentional self-harm. 

  • Reasonably foreseeable events.

  • Things you do while under the influence of drugs or alcohol. 

How Tin Leg compares to its competitors

On a five-star scale, NerdWallet rated Tin Leg three stars. Although it’s inexpensive, the medical coverage on many of its plans is secondary, which means it’ll pay out only after other sources have made their payments.

Tin Leg also doesn’t offer much in the way of customizations, which may mean you end up forced to purchase a more expensive plan if the one you like doesn’t provide the coverage you need.

Company

Star rating

Basic plan cost

Premium plan cost

Generate a quote

GeoBlue Travel Insurance

4.5

NerdWallet rating 

$10.

$18.

Berkshire Hathaway Travel Protection

5.0

NerdWallet rating 

$26.

$75.

Tin Leg

3.0

NerdWallet rating 

$36.

$188.

WorldTrips Travel Insurance

5.0

NerdWallet rating 

$47.

$66.

World Nomads

Currently being rated and reviewed.

$63.

$115.

Trawick International

5.0

NerdWallet rating 

$100.

$194.

AXA Assistance USA

1.5

NerdWallet rating 

$114.

$159.

Generali

1.5

NerdWallet rating 

$123.

$164.

Travelex Insurance Services

4.0

NerdWallet rating 

$135.

$198.

AEGIS (GoReady) Travel Insurance

3.5

NerdWallet rating 

$139.

$208.

HTH Travel Insurance

4.0

NerdWallet rating 

$146.

$233.

Seven Corners

3.0

NerdWallet rating 

$154.

$225.

Travel Insured International

4.0

NerdWallet rating 

$164.

$218.

Allianz Global Assistance

3.5

NerdWallet rating 

$166.

$291.

USI Affinity Travel Insurance Services

1.0

NerdWallet rating 

$169.

$297.

AAA

Currently being rated and reviewed.

$183.

$222.

IMG

3.5

NerdWallet rating 

$183.

$252.

Travel Guard by AIG

Currently being rated and reviewed.

$135.

$236.

Chubb

1.0

NerdWallet rating 

$185.

$312.

TravelSafe

4.0

NerdWallet rating 

$200.

$468.

Arch RoamRight

4.5

NerdWallet rating 

$202.

$225.

These star ratings are based on a separate analysis of each travel insurance provider’s offerings. For more detailed scoring, see our recommendations for the best travel insurance companies, read each individual provider's NerdWallet review or view our methodology at the end of this article. Pricing is subject to change based on your specific trip details. You can verify the latest price by clicking through to Squaremouth (a NerdWallet partner).

How much is Tin Leg travel insurance?

For a sample trip for a 36-year-old traveler from Indiana to Canada for five days, the cheapest Tin Leg plan cost $36. If you were to spring for the Gold plan, which increases your coverage limits, expect to pay $188.

Other providers charged anywhere from $10 to $202 for their basic plan for the same sample trip. Note that price isn't the only differentiating factor. Travel insurance cost and coverage are not identical across plans; each company offers various levels of scope, limits and exclusions.

How to buy a Tin Leg policy

Buying a Tin Leg policy is simple online. First, you’ll want to navigate to Tin Leg’s quote page.

Page, Text, File

You’ll need to put in your information, including how many people are traveling, where you’re going, where you live and the cost of your trip.

Once that’s done, you’ll be taken to a page showing you the cost of each Tin Leg plan. You can click through each one to see coverage levels and policy limits.

Page, Text, File

After you’ve selected a plan, you’ll be taken through the checkout process. That’s it!

Consider comparison shopping

If you're not 100% sold on purchasing a plan from Tin Leg, you can use a travel insurance aggregator to compare policies across multiple companies at once.

Squaremouth widget

Which Tin Leg travel insurance plan is best for me?

There are so many Tin Leg plans that it can be overwhelming picking the one that’s best for you. Take a look at Tin Leg’s plan page to sort through all the options and find one that fits your needs.

Does Tin Leg offer 24/7 travel assistance?

Yes, Tin Leg offers 24/7 travel assistance, which can help you with things like replacing a lost passport or having emergency money wired to you. You can either call or email:<br>

How to file a claim with Tin Leg travel insurance

Filing a claim with Tin Leg can be done online through the self-service portal. Otherwise, you can call to report your claim at 844-240-1233 or email [email protected].

Is Tin Leg travel insurance worth it?

Is Tin Leg travel insurance good? Tin Leg provides plenty of policy options for travelers, no matter your budget. However, with so many choices in plans, it’s disappointing that there aren’t more opportunities for customization. Despite this, the lower-than-average price tag may be a draw if you’re looking to save money.

Frequently asked questions

Your Tin Leg policy may cover you in the event your flight is canceled. This is thanks to the plan’s trip interruption and trip cancellation coverage, as well as any applicable trip delay coverage.

Tin Leg doesn’t publish a timeline for its refund process, but to make your claim go as quickly as possible, you’ll want to provide all your documentation upfront. This can include receipts, invoices and medical documentation.

Tin Leg insurance is either primary or secondary depending on which plan you purchase.

Yes, Tin Leg insurance covers COVID-19 on all its policies.

Star rating methodology

Travel insurance

NerdWallet's ratings for travel insurance companies take into account the following details about each insurer:

  • Scope of coverage.

  • Customizability.

  • Consumer experience and complaints.

  • Cost.

The best travel insurers excel in all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and allow customers to customize plans to meet their coverage preferences. They're also able to keep their customers happy throughout the relationship.

Data collection and review process

NerdWallet collects over a dozen data points for each insurer we analyze from their public-facing websites and third-party analyses. These data points are then compared against one another and against NerdWallet's standards for good travel insurance companies to determine a star rating.

Data is collected on a regular basis and reviewed by our editorial team for consistency and accuracy. Final star ratings are presented on a scale of one to five stars, where a one-star score represents "poor" and a five-star score represents "excellent."

The reviews team

The writers and editors behind NerdWallet's travel insurance reviews are insurance specialists who have had their work featured by or appear in The Associated Press, The Washington Post, The New York Times, the Chicago-Sun Times, U.S. News & World Report and the Society for Advancing Business Editing and Writing. Each writer and editor follows NerdWallet’s strict guidelines for editorial independence.

In addition to travel insurance, the team covers travel rewards programs, airlines and hotels.

Rating specifics

Our star ratings are weighted based on our editorial and professional opinions. We use the following weightings when rating travel insurers:

  • Scope of coverage (25%).

  • Customizability (25%).

  • Consumer experience and complaints (25%).

  • Cost (25%).

Scope of coverage ratings are based on assessments of a company’s standard protections, including:

  • Travel medical insurance.

  • Trip cancellation.

  • Trip interruption.

  • Trip delay.

  • Baggage and personal belongings, lost luggage.

  • Emergency medical assistance.

  • Emergency medical evacuation.

  • Emergency medical repatriation.

  • Accidental death and dismemberment insurance.

  • Rental car coverage.

Customizability ratings factor in whether coverage limits are fixed prices or a percentage of the trip cost (the percentage is generally better), whether a policy has customizations available, and the number of bonus features.

  • 24-hour assistance.

  • Pre-existing medical conditions coverage.

  • Extreme sport coverage.

  • CFAR add on availability.

  • Travel health insurance.

  • Interruption for Any Reason.

  • Travel Inconvenience.

  • Cancel for Work Reasons.

  • Electronics coverage.

Consumer experience ratings are based on provider reviews on Squaremouth.com. If the company is not in the Squaremouth database, we default to Google reviews.

Affordability ratings are based on the percentage of total trip cost a plan costs a policyholder. Less than 4% is considered excellent, whereas over 9% is considered poor.


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