Generally, travel insurance policies do not provide Trip Cancellation coverage or Emergency Medical coverage for normal pregnancy and childbirth. This is because travel insurance is designed to provide coverage for unforeseen events, and a normal pregnancy is considered a foreseeable event. Both pregnancy and childbirth are excluded under all Tin Leg policies. However, Tin Leg’s Economy, Standard, and Luxury policies all cover complications of pregnancy. Tin Leg defines complications of pregnancy as a condition whose diagnosis is distinct from pregnancy but is adversely affected or caused by pregnancy. For travelers that want the added coverage of cancellation for normal pregnancy,… Read More
Does travel insurance pay upfront?
Across the board, travel insurance policies are generally designed on a reimbursement basis. This means the traveler will first pay out-of-pocket and then file a claim to be reimbursed. In order to receive reimbursement for out-of-pocket expenses, receipts and other documentation may be required. At Tin Leg’s discretion, all, or a portion of benefits, may be paid directly to the provider of the services rendered. This can include direct payment for Emergency Medical or Medical Evacuation benefits. Non-Medical Evacuation transportation is almost always coordinated by the travel insurance provider and therefore can be paid direct up to the maximum benefit… Read More
Position Statement Grecian Economic Crisis
Posted: 7/8/2015 The economic crisis in Greece has many travelers concerned about visiting the popular tourist destination. Unfortunately, the current situation does not fall under any of the covered events within Tin Leg’s Trip Cancellation or Trip Interruption benefits. However, if a traveler’s tour operator or travel supplier becomes financially insolvent, or if there is a common carrier strike related to the crisis, Trip Cancellation and Interruption benefits can become available. In order to be eligible for the financial default benefit, the Tin Leg policy must be purchased within 14 days of the initial trip deposit and the financial default must occur… Read More
What items does the Baggage Loss benefit cover?
The Baggage Loss benefit provides reimbursement for lost, stolen, and damaged luggage and personal effects while on a covered trip. These items can be owned, borrowed, or rented, and commonly include luggage, clothing, footwear and jewelry. Tin Leg also provides reimbursement for the fees associated with the replacement of a lost or stolen passport, as well as charges and interest incurred by unauthorized use of lost or stolen credit cards during a covered trip. Under this benefit, Tin Leg’s Economy, Standard, and Luxury policies will reimburse up to $500 per person and $100 per item. Some exclusions apply to the… Read More
Is terrorism a covered reason to cancel my trip?
Terrorism coverage, for both foreign and domestic events, is included as a covered reason under the Trip Cancellation benefit of all Tin Leg policies. In order to be covered under this benefit, an event must be deemed as an official terrorist incident by the U.S. Department of State. The policy must be purchased before the event has occurred. Tin Leg policies also require the terrorist attack to occur within 50 miles of a city listed on the traveler’s itinerary, and within seven days of their trip departure. Tin Leg’s Economy and Standard policies provide 100% reimbursement of prepaid and nonrefundable… Read More
Position Statement Tropical Storm Bill
Posted: 06/16/2015 On Tuesday, June 16th, Tropical Storm Bill became a named storm in western Gulf of Mexico. As of June 16th, Tropical Storm Bill is no longer considered an unforeseen event. Coverage related to Tropical Storm Bill is not available for Tin Leg policies purchased after this date. All Tin Leg policies purchased prior to June 16th offer Trip Cancellation and Trip Interruption coverage for Hurricane and Weather. In order for an event to be covered under Tin Leg policies, it must meet the following requirements: Occur after the policy is purchased Result in the complete cessation of travel… Read More
Position Statement Tropical Storm Blanca
Posted: 06/02/2015 On Monday, June 1st, Tropical Storm Blanca became the second named storm of the 2015 Eastern Pacific Hurricane Season. As of June 1st, Tropical Storm Blanca is no longer considered an unforeseen event. Coverage related to Tropical Storm Blanca is not available for Tin Leg policies purchased after this date. All Tin Leg policies purchased prior to June 1st offer Trip Cancellation and Trip Interruption coverage for Hurricane and Weather. In order for an event to be covered under Tin Leg policies, it must meet the following requirements: Occur after the policy is purchased Result in the complete… Read More
Position Statement Tropical Storm Andres
Updated: 5/29/2015 On Thursday, May 28th, Tropical Storm Andres became the first named storm of the 2015 Eastern Pacific Hurricane Season. As of May 28th, Tropical Storm Andres is no longer considered an unforeseen event. Coverage related to Tropical Storm Andres is not available for Tin Leg policies purchased after this date. Tin Leg policies purchased prior to May 28th may have coverage for the tropical storm. In order for an event to be covered under Tin Leg policies, it must meet the following requirements: Occur after the policy is purchased Result in the complete cessation of travel services at… Read More
Travel Insurance Provider, Tin Leg, Partners with TripInsuranceZone.com
ST. PETERSBURG, FL May 28, 2015 – Tin Leg, a leading provider of affordable and comprehensive travel insurance benefits, has partnered with TripInsuranceZone.com to bring their suite of products to the online travel insurance store. Tin Leg was founded in 2013 by travel insurance industry experts who saw a void in the marketplace. Its three products, Tin Leg Economy, Standard, and Luxury, were designed to provide a high amount of Primary Emergency Medical Coverage at an affordable premium. Other benefits, including a time-sensitive Pre-Existing Condition Waiver and optional Cancel for Any Reason upgrade, have made Tin Leg a competitive option… Read More
Can I insure frequent flyer miles in the cost of my trip?
Frequent flyer miles and similar travel awards, such as hotel or motel awards, cannot be included in the trip cost for your covered trip. The value of air miles and rewards points are not insurable expenses on a travel insurance policy because there is no exact dollar value to associate with the points. However, you can insure any out-of-pocket expenses related to the miles, such as taxes. Re-banking fees can also be insured. In the event a trip is cancelled or interrupted, the fees incurred for re-depositing the awards back into your account can be reimbursed. Tin Leg’s Economy, Standard,… Read More