Travel Insured vs Tin Leg: Which Travel Insurance Is Better?
Travel Insured and Tin Leg sell to the same traveler and answer the same question differently: Travel Insured puts its money into Deluxe’s $250,000 of medical and $500,000 of evacuation at a mid-range price, Tin Leg into a plan at every medical level from $20,000 to $500,000, so you buy exactly the limit you need. This page puts the plans side by side from the insurers’ own plan documents, says which one wins for each kind of trip, and shows the numbers that decide it.
The plans side by side
| Plan | Emergency medical | Evacuation | Cancel for any reason | Pre-existing waiver window | Kids free |
|---|---|---|---|---|---|
| Travel Insured Worldwide Trip Protector Essential | $50,000 | $200,000 | No | 14 or 21 days (plan document) | No |
| Travel Insured Worldwide Trip Protector Deluxe | $250,000 | $500,000 | Upgrade, 75% back | 14 or 21 days (plan document) | Yes, 17 and under |
| Travel Insured Worldwide Trip Protector Platinum | $500,000 | $1,000,000 | Upgrade, 75% back | 14 or 21 days (plan document) | Yes, 17 and under |
| Tin Leg Economy | $20,000 | $100,000 | No | None | No |
| Tin Leg Basic | $50,000 | $200,000 | No | 14 to 15 days | No |
| Tin Leg Luxury | $100,000 primary | $250,000 | Upgrade, 75% back | 14 to 15 days | No |
| Tin Leg Silver | $250,000 | $1,000,000 | Upgrade, 75% back | 14 to 15 days | No |
| Tin Leg Gold | $500,000 primary | $500,000 | Upgrade, 75% back | 14 days | No |
Limits are per person. Read the medical column first: it is the one that separates these two companies, and it is the one that pays the bill that can pass $100,000. The Travel Insured review and the Tin Leg review go plan by plan.
Where each one wins
| The trip or the traveler | Pick | Why |
|---|---|---|
| A cruise, a remote trip, or a traveler over 65 | Travel Insured Platinum or Tin Leg Silver | Platinum: $500,000 of medical and $1,000,000 of evacuation. Silver: $250,000 and $1,000,000. Gold: $500,000 primary and $500,000. |
| A trip with children | Travel Insured Deluxe or Platinum | Children 17 and under free. Tin Leg has no free-kids benefit. |
| A cheap domestic trip | Tin Leg Economy or Basic | $20,000 or $50,000 of medical at a price Travel Insured Essential does not go down to. |
| A trip outside the US on a budget | Tin Leg Luxury | $100,000 of primary medical and $250,000 of evacuation. Travel Insured Essential carries $50,000 and $200,000. |
| Cancel for any reason | Either | 75 percent at both. Travel Insured on Deluxe and Platinum with Interruption For Any Reason added; Tin Leg on Luxury, Adventure, Silver and Gold. |
| Price | Both, on the comparison | Enter the trip once and both come back priced side by side. |
The numbers that decide it
Medical and evacuation. Travel Insured’s best plan, Worldwide Trip Protector Platinum, carries $500,000 of medical and $1,000,000 of evacuation; Tin Leg’s best plan, Gold, carries $500,000 primary of medical and $500,000 of evacuation. For a trip outside the US the floor is $100,000 of medical and $250,000 of evacuation; for a cruise, a remote trip or a traveler over 65, $250,000 and $500,000.
Cancel for any reason. Travel Insured: Cancel for any reason is an upgrade on Deluxe and Platinum, refunds 75 percent, has to be added when you buy within the plan’s window (14 or 21 days from the initial deposit), and requires cancelling at least two days before departure; an Interruption For Any Reason upgrade at 75 percent comes with it. Tin Leg: Cancel for any reason is on Luxury, Adventure, Silver and Gold, refunds 75 percent, must be added within the plan’s window (14 or 15 days from the initial deposit), and requires cancelling at least two days before departure.
Pre-existing conditions. Travel Insured: The pre-existing condition waiver applies when you buy within the window in the plan document (14 or 21 days from the initial deposit) and insure the full trip cost. Tin Leg: The pre-existing condition waiver window is 14 or 15 days from the initial deposit depending on the plan; Economy has no waiver.
Children. Travel Insured: Children 17 and under traveling with an insured adult are free on Deluxe and Platinum. Tin Leg: No free-kids benefit.
Free look. Travel Insured: 14 days after purchase for a full refund if you have not departed or filed a claim. Tin Leg: 10 to 15 days depending on the plan for a full refund if you have not departed or filed a claim.
See Travel Insured and Tin Leg priced side by side for your trip
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.What it costs
Both Travel Insured and Tin Leg are on the CoverTrip comparison, priced next to each other and the other plans when you enter the trip once. Travel insurance is priced by the trip cost, the ages of the travelers and the trip length, and a package plan usually costs 4 to 8 percent of the trip cost, so enter the trip once, find the plan from each company that carries the limits you need, and take the cheaper one. Same price on the comparison as buying direct.
What the plans say
Travel Insured’s strengths are Deluxe’s $250,000 of medical and $500,000 of evacuation at a mid-range price, free children on Deluxe and Platinum, Platinum’s $500,000 of medical and $1,000,000 of evacuation; its weak spot is Essential’s $200,000 of evacuation and no cancel for any reason on it, which makes it a domestic-only budget plan. Tin Leg’s strengths are a plan at every medical level from $20,000 to $500,000, so you buy exactly the limit you need, Gold’s $500,000 of primary medical and Silver’s $1,000,000 of evacuation, cancel for any reason on four plans; its weak spot is the plan names do not track the limits (Luxury is the floor for a trip abroad, not the top), and the underwriter changes by plan. Both refund 100 percent of the insured trip cost for a listed cancellation reason, both include a 24-hour assistance line, and both are underwritten by large insurers; the difference between them is the limits and the upgrade rules above, not the paper.
Questions people also ask
Is Tin Leg better than Travel Insured?
It depends on the trip. Tin Leg has a plan at every price and Silver’s $1,000,000 of evacuation at the $250,000 medical level; Travel Insured has free children, $1,000,000 of evacuation on Platinum, and Interruption For Any Reason bundled with cancel for any reason. For a family, Travel Insured; for a solo traveler matching a limit to a budget, Tin Leg.
Which is better for a cruise, Travel Insured or Tin Leg?
Travel Insured Platinum ($500,000 of medical, $1,000,000 of evacuation) or Tin Leg Silver ($250,000 and $1,000,000). Tin Leg Gold carries $500,000 of primary medical but $500,000 of evacuation, which is the cruise floor, not a margin.
Who underwrites Tin Leg?
It changes by plan: Berkshire Hathaway Specialty, Starr or Spinnaker, so the plan document for the one you buy governs. Tin Leg is Squaremouth’s house brand.
Related: Travel Insured review · Tin Leg review · family travel insurance guide · cruise travel insurance guide · cheap travel insurance guide · all company reviews
Plan limits and upgrade rules on this page are from the insurers’ plan pages and policy documents for Travel Insured and Tin Leg, checked 12 September 2026, and from the CoverTrip reviews of each company. Price guidance is from the plans on the CoverTrip comparison.
See Travel Insured and Tin Leg priced side by side for your trip
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.Related
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.