Tin Leg Travel Insurance Review: Is it Worth the Cost?
Tin Leg offers nine insurance policies of varying cost and coverage, so consider all your options.
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Updated · 5 min read
Written by
Contributing Writer 
Edited by
Assigning Editor 
at SquareMouth
Tin Leg
Few customizations are available, but plans are generally affordable.
at SquareMouth
Pros
- In addition to Cancel For Any Reason, some plans offer cancel for work reasons 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 travel insurance offers many policy choices so you can get exactly what you want and not pay for what you don’t want.
The catch is you need to go through each policy to make sure your requirements are covered.
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 a travel insurance company owned by Squaremouth, a travel insurance aggregator and NerdWallet partner.
Three companies underwrite Tin Leg’s policies: Berkshire Hathaway Specialty Insurance Co., Starr Indemnity & Liability Co. and Spinnaker Insurance Co.
Tin Leg has been around since 2014 and has 24-hour emergency support. The company won an award from USA Today for being the Best Value Travel Insurance Provider of 2023.
Tin Leg travel insurance offerings
Tin Leg offers nine travel insurance plans for different types of travelers and trips.
- Economy: Covers most basic concerns.
- Standard: Higher medical coverage and additional cancellation benefits.
- Luxury: High primary medical coverage and comprehensive cancellation options.
- Adventure: For active travelers, offering high medical benefits and coverage for adventurous activities.
- Gold: Comprehensive cancellation benefits and the highest primary medical coverage of any of the plans.
- Silver: Comprehensive cancellation coverage, high medical coverage and trip delay coverage.
- Basic: Entry-level comprehensive coverage.
- Platinum: Mid-level comprehensive coverage with higher level benefits than the Basic plan.
- Cruise: A plan with specific benefits for cruise events, such as itinerary changes and missed ports, and includes medical and other coverage.
What Tin Leg travel insurance covers
Tin Leg travel insurance policies are fairly inclusive as far as what they cover, but some of the nine policies are more comprehensive than others.
All Tin Leg policies cover:
- Trip cancellation for 100% of the trip cost.
- Trip interruption for 100% or 150% depending on the type of policy.
- Cancellation for medical reasons.
- Emergency medical coverage, but the amount varies by policy.
- Medical evacuation and repatriation, but the amount varies by policy.
- Travel delay, but the amount varies by policy.
- Baggage delay, but the amount of compensation and the length of delay vary by policy.
All policies also have a money back guarantee for a limited amount of time after purchase and 24-hour assistance.
Some Tin Leg policies cover:
- Employment layoff if employed for one or three continuous years depending on the policy.
- Terrorism.
- Financial default.
- Cancellation for work reasons.
- Pre-existing conditions if coverage is purchased within a specified number of days after making the trip deposit.
- Missed travel connections.
Cancel For Any Reason (CFAR) coverage is available as an add-on to some policies as is rental car damage coverage.
Tin Leg detailed policy overview
With nine types of policies, it might be a bit challenging to figure out which one works for you. Here’s how they compare.
| Trip cancellation | Trip interruption | CFAR available | Emergency medical | Pre-existing coverage available | Medical evacuation and repatriation | Travel delay | Baggage delay | |
|---|---|---|---|---|---|---|---|---|
| Tin Leg Economy | 100% of trip cost. | 100% of trip cost. | No. | $20,000 (secondary). | No (lookback period 180 days). | $100,000. | $500 per person ($150 daily limit) after 12-hour delay. | $200 per person after 24-hour delay. |
| Tin Leg Standard | 100% of trip cost. | 150% of trip cost. | No. | $30,000 (secondary). | Yes, if purchased within 15 days of trip deposit. | $200,000. | $500 per person ($150 daily limit) after 6-hour delay. | $200 per person after 24-hour delay. |
| Tin Leg Luxury | 100% of trip cost. | 150% of trip cost. | Yes. | $100,000 (primary). | Yes, if purchased within 15 days of trip deposit. | $250,000. | $2,000 per person ($150 daily limit) after 6-hour delay. | $200 per person after 24-hour delay. |
| Tin Leg Adventure | 100% of trip cost. | 150% of trip cost. | Yes. | $100,000 (primary). | Yes, if purchased within 15 days of trip deposit. | $1 million. | $600 per person ($200 daily limit) after 5-hour delay. | $200 per person after 12-hour delay. |
| Tin Leg Silver | 100% of trip cost. | 150% of trip cost. | Yes. | $250,000 (secondary). | Yes, if purchased within 14 days of trip deposit. | $1 million. | $2,000 per person ($150 daily limit) after 6-hour delay. | $500 per person ($100 daily limit) after 8-hour delay. |
| Tin Leg Gold | 100% of trip cost. | 150% of trip cost. | Yes. | $500,000 (primary). | Yes, if purchased within 14 days of trip deposit. | $500,000. | $500 per person ($150 daily limit) after 6-hour delay. | $200 per person ($100 daily limit) after 24-hour delay. |
| Tin Leg Basic | 100% of trip cost. | 150% of trip cost. | No. | $50,000 (secondary). | Yes, if purchased within 15 days of trip deposit. | $200,000. | $500 per person ($150 daily limit) after 6-hour delay. | $200 per person after 24-hour delay. |
| Tin Leg Platinum | 100% of trip cost. | 150% of trip cost. | No. | $100,000 (secondary). | Yes, if purchased within 15 days of trip deposit. | $500,000. | $500 per person ($150 daily limit) after 6-hour delay. | $200 per person after 24-hour delay. |
| Tin Leg Cruise | 100% of trip cost. | 150% of trip cost. | Yes. | $100,000 (primary). | Yes, if purchased within 14 days of trip deposit. | $250,000. | $2,000 per person ($150 daily limit) after 6-hour delay. | $500 per person ($100 daily limit) after 24-hour delay. |
Rental car damage coverage is only available as an add-on for the Tin Leg Luxury and Tin Leg Cruise policies.
What Tin Leg travel insurance plans do not cover
Tin Leg policies are fairly comprehensive, but there are a few things they do not include, such as:
- Most dental treatments.
- Expenses incurred as a result of being under the influence of drugs or intoxicants, unless prescribed by a physician.
- Traveling for the purpose of securing medical treatment.
How much is Tin Leg travel insurance?
Cost is a factor when buying travel insurance, but you also need to make sure the plan includes what you want.
To determine the cost of the Tin Leg plans, we looked at rates for a 45-year-old man from Illinois traveling on a $1,500 trip to Mexico on March 1-7, 2026.
The prices of Tin Leg’s nine plans range from $50 for the Tin Leg Economy plan to $119 for the Tin Leg Adventure plan. The average price is $82.06.
If you add a filter for plans that include coverage for pre-existing conditions, the cheapest plan is the Tin Leg Standard plan at $59, which also includes cancellation, interruption, medical evacuation and secondary medical coverage.
The pricing really changes if you want primary medical coverage. The cheapest plan is the Tin Leg Silver plan at $74.76.
If CFAR coverage is important to you, only five Tin Leg policies have that as an option, and the price jumps to $95.35 for the cheapest policy, which is the Tin Leg Silver plan.
For a policy that includes coverage for pre-existing conditions and primary medical and CFAR coverage, the cheapest policy is the Tin Leg Silver at $104.66.
» Learn more: The best travel credit cards right now
How Tin Leg compares with its competitors
One cool thing about pricing policies on the Tin Leg website is it also gives you the prices of several other companies since Tin Leg is owned by Squaremouth, a travel insurance aggregator. This way you can compare and find the one that is best for you, even if it isn’t Tin Leg.
If cost is the only factor when buying a travel insurance policy, the battleface Discovery policy is only $31.21, but it only covers cancellation and has no medical coverage at all.
When you add in emergency medical and medical evacuation coverage, the Tin Leg Economy plan at $50 compares with the Aegis Go Ready Choice policy at $53, the Seven Corners Trip Protection Basic for $58 and the Tin Leg Standard policy at $59.
For primary medical coverage, the Tin Leg Silver plan at $74.76 is a bit more pricey than some of its competitors. For example, Aegis Go Ready Choice is $53, IMG iTravelInsured Choice is $63.49 and World Trips Explore is $68.
Those four plans are fairly comparable, with all covering trip cancellation, interruption, medical evacuation and primary medical. The Aegis plan does not cover pre-existing conditions.
| Company | Star rating | Basic plan cost | Premium plan cost | Generate a quote |
|---|---|---|---|---|
| GeoBlue Travel Insurance | | $10. | $18. | |
| Berkshire Hathaway Travel Protection | | $26. | $75. | |
| Tin Leg | | $36. | $188. | |
| WorldTrips Travel Insurance | | $47. | $66. | |
| World Nomads | Currently being rated and reviewed. | $63. | $115. | |
| Trawick International | | $100. | $194. | |
| AXA Assistance USA | | $114. | $159. | |
| Generali | | $123. | $164. | |
| Travelex Insurance Services | | $135. | $198. | |
| AEGIS (GoReady) Travel Insurance | | $139. | $208. | |
| HTH Travel Insurance | | $146. | $233. | |
| Seven Corners | | $154. | $225. | |
| Travel Insured International | | $164. | $218. | |
| Allianz Global Assistance | | $166. | $291. | |
| USI Affinity Travel Insurance Services | | $169. | $297. | |
| AAA | Currently being rated and reviewed. | $183. | $222. | |
| IMG | | $183. | $252. | |
| Travel Guard by AIG | Currently being rated and reviewed. | $135. | $236. | |
| Chubb | | $185. | $312. | |
| TravelSafe | | $200. | $468. | |
| Arch RoamRight | | $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). | ||||
Which Tin Leg plan is best for me?
Deciding which Tin Leg travel insurance policy is best for you depends on the types of coverage that are most important to you.
The company has a page that makes it a bit easier to compare the nine plans in one place.
If you want primary medical coverage, you have five options, with the main differences being the amount of medical and evacuation coverage.
If you’re worried mostly about cancellation coverage, the Tin Leg Economy policy might be your best bet.
If you need to be able to purchase CFAR coverage, the Tin Leg Silver plan offers the most economical option.
Once you find the policy you want, you can buy it online directly from the quote page. If any upgrades or add-ons are available, they will appear before you enter personal information and pay for the policy.
Does Tin Leg offer 24/7 travel assistance?
Tin Leg offers emergency travel services 24/7 via phone and email.
- Inside the United States: 844-927-9265.
- Outside the United States: 1-727-264-5657 (Collect).
- Email: [email protected].
That assistance includes contacting physicians, language translation, medical evacuation coordination and physician referrals.
Tin Leg will also help with travel arrangements because of delays or cancellations and will help if your baggage is lost or delayed.
Other assistance services include:
- Help obtaining emergency travel documents.
- Lost or stolen credit card assistance.
- Embassy or consulate location assistance.
- Assistance relaying urgent messages.
- Local travel and medical advisory information.
- Legal assistance contact information.
- Emergency cash advance arrangement for medical emergencies.
How to file a claim with Tin Leg travel insurance
You can report a claim with Tin Leg online or by phone. The number is 844-240-1233 and is available from 8 a.m. to 4 p.m. ET Monday-Friday.
After reporting a claim, you will receive instructions about how to complete the claim form and submit supporting materials.
Make sure to save receipts, invoices, medical documentation and anything else that might support your claim.
Is Tin Leg travel insurance worth it?
Tin Leg offers many policies, with most having comprehensive coverage. The big differences are whether the medical coverage is primary or secondary and if pre-existing conditions are covered.
Star rating methodology
Travel insurance rating and review 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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