“Primary” designates the order in which an Emergency Medical claim is filed within a travel insurance policy. A policy with Primary Emergency Medical coverage allows travelers to file a claim for reimbursement directly with their travel insurance provider. If a traveler has any remaining medical expenses after filing a claim with the travel insurance company, they may then file a separate claim with their own health insurance provider. “Secondary” Emergency Medical coverage is the alternative form of medical insurance. This coverage requires that you first claim directly with your own primary health insurance provider before claiming for medical expenses with… Read More
What is the difference between Trip Cancellation and Cancel for Any Reason?
Both Trip Cancellation and Cancel for Any Reason offer coverage to cancel a trip, however there are many important differences between the two benefits. The main difference between Trip Cancellation and Cancel for Any Reason, is that Cancel for Any Reason is an optional upgrade that allows a traveler to cancel their trip and receive 75% reimbursement for any reason that is not otherwise covered by the standard Trip Cancellation coverage. Trip Cancellation The standard Trip Cancellation benefit included in Tin Leg policies provides reimbursement for prepaid and non-refundable trip costs if a trip is cancelled due to one of… Read More
Position Statement Nepal Earthquake
Updated: 4/27/2015 On Saturday, April 25th, a 7.8-magnitude earthquake occurred in Nepal, sending tremors through India, Bangladesh, Tibet, and on Mount Everest. All Tin Leg policies offer Trip Cancellation and Trip Interruption coverage for earthquakes under the Hurricane and Weather benefits. As of April 25th, the earthquake is no longer considered an unforeseen event. Coverage related to the Nepal Earthquake is not available for policies purchased after this date. Policies purchased prior to April 25th may have coverage for the earthquake. In order for an event to be covered under Tin Leg policies, it must meet the following requirements: Occur… Read More
How much Emergency Medical and Medical Evacuation coverage do you recommend?
How Much Coverage is Enough? The Emergency Medical benefit is designed to reimburse travelers for any out of pocket costs associated with the treatment of an unforeseen illness or injury while traveling. When traveling internationally, we recommend purchasing additional Emergency Medical coverage if your primary health insurance plan offers limited or no coverage where you are traveling, or if you do not have a primary health insurance plan. The recommended amount of medical coverage depends on each traveler’s specific needs. Some travelers may not need a large amount of medical coverage depending on what other insurance coverage they have, while… Read More
Amusement Parks That Offer More Than Just Rides
Amusement park attendance is on the rise, and it’s no wonder why, amusement parks are the perfect destination for a weekend excursion that can satisfy all types of travelers. Theme parks are commonly known as family friendly destinations but can also be great for a group of friends or even a romantic getaway. Finding an amusement park close by, or traveling across the country for the chance to ride a 200 foot roller coaster with a scenic background might be the perfect vacation you have been searching for. Travelers seeking a thrill can visit Cedar Point, located in Sandusky, Ohio…. Read More
Traveling With the Apple Watch
The introduction of the Apple Watch will bring cutting edge technology to our everyday lives, including the way we shop, communicate, exercise, and even travel. From booking flights to finding the best things to do around the city, here are some ways to get the best utilization from your Apple Watch while on your trip. Have a stress-free airport experience No need to fumble through your carry on for your boarding pass, or stalk your gate to make sure you don’t miss your flight. New apps for the Apple Watch like the American Airlines app allow you to display your… Read More
Position Statement Yemen Bombing
Updated: 03/20/2015 On Friday, March 20th, Islamic State militants attacked mosques in Sanaa, Yemen, killing over 130 people. As of March 23rd, the incident has not been officially deemed as a “terrorist” attack, meaning there is no coverage for losses related to the attacks for current Tin Leg policyholders. If the bombings in Yemen are deemed as terrorism and meet Tin Leg’s definition of “terrorism”, travelers who purchased a Tin Leg policy prior to March 20th, 2015 may have coverage. All Tin Leg policies offer Trip Cancellation and Trip Interruption coverage for Terrorism. In order for an attack to be… Read More
Stay Safe When Traveling Alone
Traveling on your own can be beneficial by allowing you to separate from an otherwise hyperconnected life. However, maintaining safety can be a challenge when traveling alone. Considering some of the safety hazards before a trip, and making a few extra preparations can help ensure your travels are worry free and relaxed. While it is nice to be disconnected from your normal day to day routine, it is still wise to make sure you have an emergency means of communication while traveling alone. If traveling where your cell phone will not have service, consider renting a cell phone with GPS… Read More
Position Statement Tunisia Terrorist Attack
Updated: 03/18/2015 On Wednesday March 18th, two gunmen stormed the Bardo Museum in Tunis, Tunisia, killing 17 tourists, and two others. The U.S. Department of State declared these shootings in Tunisia an act of Terrorism. This incident may be considered an event qualifying for Trip Cancellation and Trip Interruption coverage for Tin Leg customers with Economy, Standard and Luxury policies. Travelers who purchased a Tin Leg policy prior to March 18th, 2015, may be eligible for Cancellation and Interruption coverage if the terrorist attack meets their policy’s definition and impacts their travel plans. In order for an attack to be… Read More
Don’t Let Your Vacation Weigh You Down
Vacations are a nice way to get a change of scenery and break away from your regular daily routine. When traveling, it is important to soak in as much of the culture as possible by indulging in the city’s native cuisine. While on vacation, it can be easy to go overboard on eating out and straying away from our usual healthy eating habits. To avoid damaging your waistline, and your wallet we’ve provided some tips on how to eat healthy while taking a trip. Plan ahead by packing snacks If you are road tripping, packing snacks is a good way… Read More