Posted: 10/31/2015 On Saturday, October 31, a Russian Metrojet plane crashed in Egypt, killing all 224 passengers. The cause of the crash has not yet been determined. What you need to know about your policy: As of November 4, the incident has not been officially deemed as an act of terrorism, meaning there is no coverage for losses related to the attacks for current Tin Leg policyholders. If the plane crash in Egypt becomes deemed as a terrorist event in the future, and meets Tin Leg’s definition of “terrorism” (below), there may be coverage for Tin Leg customers to cancel… Read More
What does the Travel Delay benefit cover?
Travel Delay provides reimbursement for costs, including meals and accommodations, when a trip is delayed for a covered reason. Tin Leg policies provide Travel Delay coverage when a “hazard” impacts an insured’s trip. “Hazard” includes any delay of a common carrier, including inclement weather. All Tin Leg policies include coverage under the Travel Delay benefit for the following expenses: a) any prepaid, unused, non-refundable land, air, or water accommodations; b) any reasonable additional expenses incurred (meals, accommodations, local Transportation, and telephone calls); c) an economy fare from where the travelers trip was delayed to where the traveler can resume their… Read More
What is considered a Pre-Existing Condition?
Generally, a Pre-Existing Condition is any accidental injury or illness for which medical advice, diagnosis, care or treatment has been recently recommended or received before a policy’s effective date. Tin Leg considers travelers to have a pre-existing condition if there have been any changes to their medical history (like those listed above) within 180 days prior to the date they purchase their policy. If a traveler has had changes to their medical history, these conditions would be excluded from coverage, unless their policy includes coverage for Pre-Existing Conditions. Conditions that are stable during this 180 day period are not considered… Read More
Position Statement Chile Earthquake
Posted: 9/17/2015 On Wednesday, September 16, 2015 at 18:54:33 ET, an 8.3-magnitude earthquake struck Chile triggering other earthquake related incidents including tsunami waves in Hawaii and Southern California. What you need to know about your policy: As of September 16th, the Chile Earthquake is no longer considered an unforeseen event, and coverage related to the earthquake is no longer available for Tin Leg policies purchased after this date. Tin Leg policies purchased prior to September 16th may provide coverage related to the earthquake, including Trip Cancellation and Travel Delay benefits. Trip Cancellation and Trip Interruption coverage for Hurricane and Weather:… Read More
Position Statement Hurricane Jimena
Posted: 8/31/2015 On Friday, August 28th, 2015, Hurricane Jimena became a named storm in the West Pacific Ocean. What you need to know about your policy: As of August 28th, Hurricane Jimena is no longer considered an unforeseen event, and coverage related to the storm is no longer available for Tin Leg policies purchased after this date. Tin Leg policies purchased prior to August 28th may provide coverage related to the storm, including Trip Cancellation and Travel Delay benefits. Trip Cancellation and Trip Interruption coverage for Hurricane and Weather: In order for a storm to be covered under the Trip… Read More
Position Statement Hurricane Fred
Posted: 8/31/2015 On Tuesday, August 31st, 2015, Hurricane Fred became a named storm near the Cape Verde Islands in the eastern Atlantic Ocean. What you need to know about your policy: As of August 31st, Hurricane Fred is no longer considered an unforeseen event, and coverage related to the storm is no longer available for Tin Leg policies purchased after this date. Tin Leg policies purchased prior to August 31st may provide coverage related to the storm, including Trip Cancellation and Travel Delay benefits. Trip Cancellation and Trip Interruption coverage for Hurricane and Weather: In order for a storm to… Read More
Position Statement Tropical Storm Erika
Posted: 8/25/2015 On Tuesday, August 25th, Tropical Storm Erika became a named storm near the Leeward Islands in the central Atlantic Ocean. What you need to know about your policy: As of August 25th, Tropical Storm Erika is no longer considered an unforeseen event, and coverage related to the storm is no longer available for Tin Leg policies purchased after this date. Tin Leg policies purchased prior to August 25th may provide coverage related to the storm, including Trip Cancellation and Travel Delay benefits. Trip Cancellation and Trip Interruption coverage for Hurricane and Weather: In order for the storm to… Read More
Position Statement Hurricane Danny
Updated: 08/20/2015 On Thursday, August 20th, Hurricane Danny, became the first Atlantic hurricane of the year. What you need to know about your policy: As of August 18th, Tropical Storm Danny is no longer considered an unforeseen event. Coverage related to Tropical Storm Danny is not available for Tin Leg policies purchased after this date. Tin Leg policies purchased prior to August 18th offer Trip Cancellation and Trip Interruption coverage for Hurricane and Weather. 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… Read More
Position Statement Bangkok Bombings
Posted: 08/19/2015 On Monday, August 17th, two bomb attacks in Bangkok, Thailand, killed 20 people. What you need to know about your policy: As of August 19th, the incident has not been officially deemed as an act of terrorism, meaning there is no coverage for losses related to the attacks for current Tin Leg policyholders. If the bombings in Bangkok become named as a terrorist event, and meet Tin Leg’s definition of “terrorism” (below), there may be coverage for Tin Leg customers to cancel or interrupt their trip. In order to be eligible for these benefits, a Tin Leg policy… Read More
What does Non-Medical Evacuation cover?
In the event of a catastrophe, Non-Medical Evacuation provides transportation from a place of danger to a place of safety. The events that are considered a “catastrophe”, and qualify for this benefit, differ depending on the travel insurance policy. All Tin Leg policies define a catastrophe as a violent and destructive natural event causing a sudden change in a feature of the earth. Catastrophe includes but is not limited to earthquakes, tsunamis, hurricanes, mudslides, and other similar destructive natural disasters. If a qualifying event occurs, coverage includes transportation costs that have been reviewed and pre-approved by Tin Leg, and are… Read More