TinLeg Insurance Review
Nine plans, the lowest prices among the companies our buyers pick most, and Gold carries $500,000 of primary medical. Our value pick, with one warning for Massachusetts.
- Anyone who wants the most medical for the money: Gold has $500,000 of primary medical and was $538 for our couple, less than most plans with $100,000
- Cruises and expensive destinations: Silver has $250,000 of medical and $1,000,000 of evacuation
- Adventure travelers, with a dedicated plan carrying $1,000,000 of evacuation
- Massachusetts residents buying Gold, because the Massachusetts version of Gold has no emergency medical benefit
- Anyone buying Economy for a trip abroad ($20,000 secondary medical, no waiver, no cancel for any reason)
- Anyone who wants one simple plan to choose from, since nine is a lot
See Tin Leg priced for your trip, next to 20 other companies
Enter your trip once and every top plan comes back side by side, priced for your dates. Same price as buying direct.
See plans & pricesAbout 60 seconds. Nothing to sign up for.At a glance
| Plan | Emergency medical | Evacuation | Cancel for any reason | Waiver window |
|---|---|---|---|---|
| Economy | $20,000 secondary | $100,000 | No | None |
| Basic | $50,000 secondary | $200,000 | No | 14 to 15 days |
| Standard | $30,000 secondary | $200,000 | No | 14 to 15 days |
| Platinum | $100,000 secondary | $500,000 | No | 14 to 15 days |
| Luxury | $100,000 primary | $250,000 | Add-on, 50% back | 14 days |
| Cruise | $100,000 primary | $250,000 | Add-on, 75% back | 14 days |
| Silver | $250,000 secondary | $1,000,000 | Add-on, 50% back | 15 days |
| Gold | $500,000 primary | $500,000 | Add-on, 75% back | 14 days |
| Adventure | $100,000 primary | $1,000,000 | Add-on, 50% back | 14 days |
Read the medical column, not the plan name. Gold is the plan to price first for a trip abroad. It was cheaper than Luxury on all three of our test trips. Massachusetts residents: check the plan details, your Gold is different.
Top reasons to buy
- Gold has $500,000 of primary medical and $500,000 of evacuation, and it was $538 for our couple in Italy. Plans with a fifth of that medical cost about the same.
- Tin Leg had the lowest average price of the three companies our buyers pick most, and a 4.5 customer rating from 5,683 reviews on the comparison.
- Cancel for any reason at 75 percent on Gold and Cruise, and the free look is 14 days on Gold.
Flaws but not dealbreakers
- Massachusetts residents get a different Gold certificate with no emergency medical and no employment layoff cover. Check the plan details before you buy Gold from a Massachusetts address.
- Nine plans is too many. Economy, Standard and Basic are not for trips abroad.
- Gold's baggage limits are small ($500 lost, $200 delayed after 24 hours) and its hurricane cover needs a 48-hour carrier delay.
Bottom line
Tin Leg Gold is the value pick on CoverTrip. The most medical for the least money, primary, with a 75 percent cancel for any reason add-on. Buy Gold unless you live in Massachusetts, and read the plan details if you do.What Tin Leg sells on CoverTrip
Tin Leg was created in 2014 by Squaremouth, the company whose comparison powers CoverTrip. It sells nine plans, underwritten by Berkshire Hathaway Specialty, Starr or Spinnaker depending on the plan. Gold, the plan our buyers pick most, is on Starr, rated A by AM Best.
- Gold is the plan to know. $500,000 of primary medical, $500,000 of evacuation, interruption at 150 percent, the waiver if you buy within 14 days, and a 75 percent cancel for any reason add-on. It was the cheapest plan with primary medical over $100,000 on our couple's trip.
- Luxury has $100,000 of primary medical and $250,000 of evacuation. Its cancel for any reason add-on pays 50 percent on the comparison. It cost more than Gold on all three test trips, so Gold is the better buy.
- Silver has $250,000 of secondary medical and $1,000,000 of evacuation. Cancel for any reason pays 50 percent.
- Adventure has $100,000 of primary medical and $1,000,000 of evacuation, built for hiking, diving and skiing. Cancel for any reason pays 50 percent.
- Cruise has $100,000 of primary medical and $250,000 of evacuation with cruise benefits, and a 75 percent cancel for any reason add-on.
- Platinum, Basic, Standard and Economy are budget plans with secondary medical from $20,000 to $100,000 and no cancel for any reason. Economy has no waiver at all.
The Massachusetts warning
Tin Leg Gold for Massachusetts residents is a different certificate. Tin Leg's own Gold brochure says it plainly: in Massachusetts there is no emergency medical coverage and no employment layoff coverage. The comparison shows you the Massachusetts version when you enter a Massachusetts address, so read the medical line before you buy. If it says no coverage, pick Silver, Luxury, or another company. I live in Massachusetts, and this is the plan I have to skip.
What Gold covers
Gold pays 100 percent of your trip cost if you cancel for a covered reason and 150 percent if the trip is interrupted. Emergency medical is $500,000 per person, primary, with no deductible. Medical evacuation is $500,000.
Travel delay pays $500 per person, $150 a day, after six hours. Baggage delay pays $200 after 24 hours. Lost bags pay $500 with a $100 per-item limit. Missed connection pays $500 after three hours. These are the small numbers on Gold. The medical is where the money went.
Hurricanes: a common carrier delay of 48 hours, your lodging being made uninhabitable, and a mandatory evacuation under conditions. You have to buy before the storm is named. Financial default of a travel supplier is covered after a 14-day wait if you buy within the waiver window. Employment layoff is covered if you have had the job for three years. Terrorism is covered at home and abroad.
Cancel for any reason
Gold and Cruise offer cancel for any reason as an add-on at 75 percent of your trip cost. Luxury, Silver and Adventure offer it at 50 percent on the comparison. You have to add it within the plan's window (14 days on Gold) and cancel at least two days before you leave. On our couple's trip it took Gold from $538 to $807. Economy, Standard, Basic and Platinum do not offer it, and New York residents cannot add it to Gold.
Pre-existing conditions
Every plan except Economy includes the pre-existing condition waiver if you buy in time and insure your full trip cost. Gold gives you 14 days from your first deposit. The other plans give 14 or 15 days depending on the plan (Silver gave 15 on our test trip). The comparison shows the exact last day for your trip. Miss it and Gold has a 60-day look-back.
What it costs
Real prices from the CoverTrip comparison on 25 September 2026, for three test trips. Your price depends on your ages, trip cost and dates.
| Plan | Couple, 65 and 63, Italy, 10 days, $8,000 | Solo, 40, Mexico, 7 days, $2,500 | Family of four, Bahamas cruise, 7 days, $6,000 |
|---|---|---|---|
| Gold | $538.00 | $137.00 | $260.00 |
| Silver | $614.50 | $124.15 | $219.58 |
| Luxury | $853.00 | $157.00 | $384.00 |
| Adventure | $974.00 | $184.00 | $457.00 |
| Cruise | $567.30 | $130.49 | $343.96 |
| Platinum | $707.47 | $95.05 | $292.32 |
| Basic | $623.27 | $76.26 | $226.89 |
| Standard | $553.00 | $99.00 | $243.00 |
| Economy | $469.00 | $83.00 | $204.00 |
| Gold with cancel for any reason | $807.00 | not run | $390.00 |
Notice that Gold is cheaper than Luxury, Adventure, Platinum and Basic on the couple's trip while carrying more medical than any of them. The plan names do not tell you the order. The medical column does.
Who Tin Leg is
Tin Leg is Squaremouth's own brand, run from St. Petersburg, Florida, since 2014. Squaremouth handles customer service and claims support. Tin Leg has a 4.5 out of 5 customer rating from 5,683 reviews on the comparison, the most reviews of any company there, and about a quarter of CoverTrip buyers pick it.
Questions people ask
Yes. Tin Leg Gold is our value pick for 2026: $500,000 of primary medical for less than most plans with $100,000, a 14-day waiver window, and 75 percent cancel for any reason as an add-on. The one warning is for Massachusetts residents, whose Gold has no emergency medical benefit.
Gold, for almost everyone going abroad. It has the most medical and it was cheaper than Luxury, Adventure and Platinum on all three of our test trips. Silver is the pick if you want $1,000,000 of evacuation. Economy, Standard and Basic are for domestic trips.
No. Tin Leg's Gold brochure says the Massachusetts version has no emergency medical coverage and no employment layoff coverage. Massachusetts residents should read the plan details on the comparison and pick another plan if medical matters.
Yes, with the waiver, on every plan except Economy. Buy within 14 days of your first deposit on Gold (14 or 15 days on the others) and insure the full trip cost.
- Massachusetts residents: the Gold plan sold to you has no emergency medical benefit. Read the medical line on the comparison before you buy.
- The pre-existing condition waiver window is 14 days from your first deposit on Gold and 14 or 15 days on the other plans. Economy has no waiver. The comparison shows the exact last day for your trip.
- Cancel for any reason is on Gold and Cruise at 75 percent and on Luxury, Silver and Adventure at 50 percent, must be added within the plan's window, and requires you to cancel at least two days before you leave. Not available to New York residents on Gold.
- The underwriter changes by plan (Berkshire Hathaway Specialty, Starr or Spinnaker), so read the plan document for the one you buy. The free look is 14 days on Gold, 10 to 15 on the others.
See Tin Leg priced for your trip, next to 20 other companies
Enter your trip once and every top plan comes back side by side, priced for your dates. Same price as buying direct.
See plans & pricesAbout 60 seconds. Nothing to sign up for.Compared with other companies
- Allianz vs Tin Leg
- Seven Corners vs Tin Leg
- Travel Guard vs Tin Leg
- Generali vs Tin Leg
- Travel Insured vs Tin Leg
- Travelex vs Tin Leg
- Trawick vs Tin Leg
- Tin Leg vs Berkshire Hathaway
- IMG review
- Travel Insured International review
- Seven Corners review
- The best travel insurance plans of 2026
- Cruise travel insurance: the complete guide
- Adventure travel insurance guide
Company Information
Silver
Luxury
Adventure
Cruise
Platinum
Basic
Standard
Economy
8am to 10pm ET, 7 days a week
Outside the US +1-727-264-5657
Monday to Friday, 8am to 4pm ET
Plan limits checked against Tin Leg plans, Tin Leg Gold brochure (state notes), Tin Leg Gold pre-existing condition waiver, About Tin Leg on 25 September 2026. Limits change; the insurer's own plan document governs.
Damian TysdalDamian Tysdal is the founder of CoverTrip and a licensed travel insurance agent since 2006. He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006. About CoverTrip.