TinLeg Insurance Review

By Damian Tysdal, licensed travel insurance agent since 2006 · Updated 13 September 2026

★★★★★5 out of 5

Nine plans that cover almost every budget, from Economy to Gold's $500,000 of primary medical. Cancellation is 100 percent on every plan, and cancel for any reason is on the upper tiers at 75 percent. The catch is choosing the right one.

Good for

Trips abroad on a mid-range budget: Luxury ($100,000 primary medical, 75 percent cancel for any reason)
Cruises and expensive destinations: Gold ($500,000 primary medical) or Silver ($250,000 medical, $1,000,000 evacuation)
Adventure travelers, with a dedicated plan carrying $1,000,000 of evacuation

Not for

Anyone buying Economy for a trip abroad ($20,000 medical, no waiver, no cancel for any reason)
Anyone who wants one simple plan to choose from
Anyone who wants cancel for any reason on a lower tier (Economy, Standard, Basic and Platinum do not offer it)

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At a glance

Plan	Emergency medical	Evacuation	Cancel for any reason	Waiver window
Economy	$20,000	$100,000	No	None
Basic	$50,000	$200,000	No	14 to 15 days
Luxury	$100,000 primary	$250,000	Upgrade, 75% back	14 to 15 days
Silver	$250,000	$1,000,000	Upgrade, 75% back	14 to 15 days
Gold	$500,000 primary	$500,000	Upgrade, 75% back	14 days

Read the medical column, not the plan name. Luxury is the floor for a trip abroad; Gold or Silver for a cruise.

Top reasons to buy

Gold carries $500,000 of primary emergency medical, one of the highest limits sold to leisure travelers. Silver and Adventure carry $1,000,000 of evacuation.
Cancellation is 100 percent of the trip cost on every plan, and interruption is 150 percent on all but Economy.
Cancel for any reason at 75 percent is available on Luxury, Adventure, Silver and Gold.
Sold on the comparison engine, so you can see each Tin Leg plan priced next to 20 other companies.

Flaws but not dealbreakers

Nine plans is a lot. Economy, Standard and Basic look similar on a quote and differ mainly in medical limits, waiver windows and free-look periods.
Economy has $20,000 of medical, no pre-existing condition waiver and no cancel-for-any-reason option.
Underwriters vary by plan (Berkshire Hathaway Specialty, Starr, Spinnaker), so the plan document is the thing to read, not the brand.

Bottom line

Tin Leg is Squaremouth’s own brand, and the range is its strength: there is a Tin Leg plan for nearly every trip and budget. Luxury is the plan most people buy and a fair pick for a trip abroad. Gold is the one to price for a cruise or anywhere with expensive hospitals. Economy is a domestic budget plan. Because the tiers are priced close together, look at the medical column on the quote rather than the plan name.

Full Tin Leg Travel Insurance Review

Summary: Tin Leg is the house brand of Squaremouth, the comparison engine behind our quotes, and it sells nine single-trip plans underwritten by Berkshire Hathaway Specialty, Starr or Spinnaker depending on the plan. Every plan covers 100 percent of the trip cost for cancellation. The tiers differ mainly in emergency medical, evacuation, whether the medical is primary, and whether cancel for any reason is available. Luxury is the plan most people buy; Gold carries the highest medical limit.

Compare it against:

Who Tin Leg is

Tin Leg was created by Squaremouth and is sold through it and through sites like ours that use the Squaremouth engine. The plans are underwritten by established carriers: Berkshire Hathaway Specialty Insurance, Starr and Spinnaker, depending on the plan. Squaremouth handles customer service and claims support.

The plans

Economy
Emergency medical $20,000, evacuation $100,000, interruption 100 percent. No pre-existing condition waiver, no cancel-for-any-reason. A short-domestic-trip plan.

Standard
Emergency medical $30,000, evacuation $200,000. Pre-existing condition waiver within 15 days.

Basic
Emergency medical $50,000, evacuation $200,000.

Platinum
Emergency medical $100,000 secondary, evacuation $500,000.

Luxury
The plan most people buy. Emergency medical $100,000 primary, evacuation $250,000, travel delay $2,000. Cancel for any reason available.

Adventure
Emergency medical $100,000 primary, evacuation $1,000,000, built for activities standard plans exclude. Cancel for any reason available.

Silver
Emergency medical $250,000, evacuation $1,000,000, baggage $2,500. Cancel for any reason available.

Gold
Emergency medical $500,000 primary, evacuation $500,000. Cancel for any reason at 75 percent if bought within 14 days. The plan for a cruise or a destination with expensive hospitals.

Cruise
Emergency medical $100,000 primary, evacuation $250,000, with cruise-specific benefits.

Interruption is 150 percent of the trip cost on every plan except Economy.

How to choose between them

On a quote the Tin Leg plans are often priced within a few dollars of each other, which makes the names unhelpful. Read the medical column. For a domestic trip where your health insurance travels with you, Basic or Standard is enough. For a trip abroad, Luxury’s $100,000 of primary medical is the floor I would accept. For a cruise or a remote destination, Gold or Silver. If you are doing anything a standard plan would call hazardous, Adventure.

Cancel for any reason

Cancel for any reason is available as an upgrade on Luxury, Adventure, Silver and Gold. It pays 75 percent of the non-refundable trip cost, has to be bought within the window stated in the plan document (14 days on Gold), requires you to insure the full trip cost, and requires you to cancel at least two days before departure. Economy, Standard, Basic and Platinum do not offer it.

Pre-existing conditions and the free look

The pre-existing condition waiver window is 14 or 15 days from your initial deposit depending on the plan, and Economy has no waiver at all. The free look is 10 to 15 days depending on the plan, during which you can cancel for a full refund if you have not departed or filed a claim. Because the underwriter changes by plan, read the plan document for the one you buy.

How much does Tin Leg cost?

Tin Leg is priced to compete on the engine, which is why it sells well. The lower tiers are usually among the cheapest plans on a quote, and Luxury and Gold tend to land in the middle for limits that are near the top. Price your trip and compare the medical column before the price column.

Tin Leg FAQs

Who underwrites Tin Leg travel insurance?

It depends on the plan. Tin Leg plans are underwritten by Berkshire Hathaway Specialty Insurance, Starr or Spinnaker. Tin Leg itself is the house brand of Squaremouth, which handles customer service and claims support.

Does Tin Leg offer cancel for any reason?

Yes, as a paid upgrade on Luxury, Adventure, Silver and Gold. It pays 75 percent of the trip cost, must be bought within the window in the plan document (14 days on Gold), and requires you to cancel at least two days before departure.

Which Tin Leg plan is best?

Luxury for most trips abroad ($100,000 primary medical). Gold for cruises and destinations with expensive hospitals ($500,000 primary medical). Adventure for activities standard plans exclude. Economy only for short domestic trips.

Is Tin Leg the same as Squaremouth?

Tin Leg is Squaremouth’s own travel insurance brand. Squaremouth is the comparison engine that sells Tin Leg alongside plans from other companies.

Summary

Tin Leg covers more budgets than any other company on the engine, with 100 percent cancellation on every plan and medical limits that reach $500,000 on Gold. The job is picking the right tier, and the medical column does that better than the plan names. Price your trip and see where each Tin Leg plan lands against the other companies.

Before you buy

The pre-existing condition waiver window is 14 or 15 days from your initial deposit depending on the plan, and Economy has no waiver.
Cancel for any reason is on Luxury, Adventure, Silver and Gold only, must be added within the plan's window, pays 75 percent, and requires you to cancel at least two days before departure.
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 10 to 15 days depending on the plan to cancel for a full refund if you have not departed or filed a claim.