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

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.

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.

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. 

Add-on options

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

• Cancel For Any Reason (CFAR) insurance.

• Rental car insurance.

• Flight only accidental death and dismemberment (AD&D) coverage.

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. 

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.

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.

» Learn more: The best travel credit cards right now

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

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.

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.

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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.

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>

• Within the U.S.: 844-927-9265.

• Outside the U.S.: 1-727-264-5657.

• Email: [email protected].

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 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.