Jaidynn Iks

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Tin Leg is horrible if you have a claim

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Tin Leg Travel Insurance - Tin Leg is horrible if you have a claim
We were in the Galapagos and I came down with Covid. I was required to quarantine before I could leave for home. When I submitted my claim, Tin Leg kept asking me for the same documents, never once called back after I left emails and voicemails, and took 11 months to complete processing my claim. I believe I would not have received a cent if I hadn't hung in there. They are terrible communicators, actually canceled my claim once when they said too much time had passed, and never assisted with anything. I will never buy Tin Leg insurance again!
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Pros:
  • No pros if you have a calim
Cons:
  • Having a claim

User's recommendation: Don't buy Tin Leg travel insurance.

Julianne K Xkp

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Delay Tactics Paying Claim with Tin Leg/Broadspire/Crawford

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Tin Leg Travel Insurance - Delay Tactics Paying Claim with Tin Leg/Broadspire/Crawford
Tin Leg Travel Insurance - Delay Tactics Paying Claim with Tin Leg/Broadspire/Crawford - Image 2
Tin Leg Travel Insurance - Delay Tactics Paying Claim with Tin Leg/Broadspire/Crawford - Image 3
Tin Leg Travel Insurance - Delay Tactics Paying Claim with Tin Leg/Broadspire/Crawford - Image 4
Tin Leg Travel Insurance - Delay Tactics Paying Claim with Tin Leg/Broadspire/Crawford - Image 5
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: TRIP CANCELLATION 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 BENEFITS LIMITS 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.
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Loss:
$517
Cons:
  • Request items that have already been submitted to delay
  • Refuse to follow contract
  • Delay tactics

Preferred solution: Full refund

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

david b Wuf

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Tin leg refuses to give me back my money after I cancelled their policy

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I bought a tin leg travel insurance policy a month ago... Before my policy was to take effect i got sick and called the airlines to cancel my flight and the airlines returned 100% of money to me back to my credit card...i called tin leg insurance to cancel my policy since i cancelled my airline flight due to sickness and they REFUSED to give me back my money to my credit card...they said my 15 day free cancellation had expired 10 days ago ... So I said..i have no flight..and you are not giving me any type of insurance coverage ...so why are you stealing my money...i want my money back...and they REFUSED.. So they are stealing my money without giving me anything in return....WHAT A BUNCH OF CROOKD...a CROOKS.... expired
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Loss:
$75
Cons:
  • Dont refund your money

Preferred solution: Full refund

User's recommendation: Stay AWAY from them...YOU HAVE BEEN WARNED !###

Insurance Expert Talks

Insurance Claims Tips: What Red Flags to Watch Out

Apr 23, 2021

How to file an insurance claim? Why do you need a public adjuster? Vince Perri, CEO of Commercial Claims Advocate, shares his best tips about insurance claims. Find out how to deal with complex residential insurance claims and commercial losses.

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Vince Perri
Vince Perri

Vince Perri is a Expert Claims Adjuster and CEO of Commercial Claims Advocate. He has over 14 years of experience in handling large commercial losses and complex residential insurance claims.

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