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Tin Leg/Broadspire/Crawford partially approved and partially denied a travel insurance claim. They denied the airfare portion stating: I received a credit from the airline so I would not receive a reimbursement from Crawford.

Date of loss June 10, 2022.

Claim Number: 400****

Denied Amount: $517.19

I have attempted to resolve the issue with Tin Leg/Broadspire and Crawford.

I have documented all calls and copies of emails. Tin Leg told me to deny the credit the airline issued, provide proof and I would receive a reimbursement from Crawford. Broadspire told me that I would receive a reimbursement from Crawford when the credit expires in March 2023.

Regardless the policy states that I should receive 100% refund due to unforeseen events. Crawford reimbursed me for the unforeseen trip portion.

They agree that the airline was unforeseen, but won't reimburse me the airline fee.

My policy shows the following:


We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy.

Maximum trip length is also shown on the Schedule of Benefits.

We will pay You for the following:

(a) The amount of forfeited, non-refundable, and unused Payments or Deposits; or

(b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip due to an


Trip Cancellation

Up to 100% of Trip Cost; Maximum $30,000

Maximum Trip Length: 90 Days

None of the companies will provide an address to file a complaint with. I submitted a notice to the address listed for Florida residences and it was returned to sender "Unable to Forward".

I filed a Better Business Complaint on August 22, 2022 to which Marcus Thomas a Team Manager with Broadspire Services Marcus_thomas@***.crawcoc.o stated the below:

We are in receipt of the above referenced complaint that was issued to Broadspire Services on September 6, 2022. Broadspire Services, Inc., a subsidiary of Crawford & Company, is athird party administrator assigned to act on behalf of Starr Indemnity & Liability Company, to process claims.In this complaint, xxxxx expressed displeasure with the partial payment of her claim. We have reviewed our claim file and offer the following in response.

On July 6, 2022, notice of this loss was received at Broadspire and the processor contacted Ms. xxxxx via email requesting a list of documents to process the claim. On July 9, 2022, Ms.xxxxx submitted the requested documents claiming reiumbursement for her flight and tour in the amount of $835.93; which includes $574.45 for the flight and $261.48 for the tour. The documentation received confirmed Ms.

xxxxx received an airline credit in the amount of $517.19 and tour credit in the amount of $161.48, with an expiration date of May 8, 2023. The adjuster processed the claim in the amount $157.26, which includes the balances not credited by the airline ($57.26) and the tour ($100.00). Should Ms. xxxxx not use the credits prior to the expiration date of March 8, 2023, we will gladly reopen the claim to issue reimbursement.

Should you have any additional questions or concerns, please do not hesitate to contact the undersigned.

I waited until the travel ticket credit expired. On March 8, 2022, I uploaded a chat message with American Airlines showing that the travel credit had expired. I also emailed Jody Bittner from the Zero Complaint Department. She has been aware of this insurance scam all along and has not helped me at all.

Zero Complaint is laughable.

Broadspire wants emails from American Airlines showing that I didnt use the credit for a future flight and the credits expired. I already provided proof from American Airlines. I was on the phone with an American Airlines agent for 30 minutes on 3/18/2023. Angela stated that AA agents are not allowed to send emails and neither was her supervisor.

This TIN LEG Broadspire Crawford claim was approved. I dont know why Broadspire is fighting the proof that I provided them.

Nothing I provide will ever be enough. I did everything they told me to even when they broke the TIN LEG contract multiple times.

User's recommendation: Do not use TIN LEG, Broadspire, Crawford & Crawford.

Monetary Loss: $517.

Preferred solution: Full refund.

Tin Leg Travel Insurance Cons: Delay tactics, Broke contract, Refuse to follow contract, Request items that have already been submitted to delay.

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