Posted: 10/31/2015 On Saturday, October 31, a Russian Metrojet plane crashed in Egypt, killing all 224 passengers. The cause of the crash has not yet been determined. What you need to know about your policy: As of November 4, the incident has not been officially deemed as an act of terrorism, meaning there is no coverage for losses related to the attacks for current Tin Leg policyholders. If the plane crash in Egypt becomes deemed as a terrorist event in the future, and meets Tin Leg’s definition of “terrorism” (below), there may be coverage for Tin Leg customers to cancel… Read More
Travel Insurance
What does the Travel Delay benefit cover?
Travel Delay provides reimbursement for costs, including meals and accommodations, when a trip is delayed for a covered reason. Tin Leg policies provide Travel Delay coverage when a “hazard” impacts an insured’s trip. “Hazard” includes any delay of a common carrier, including inclement weather. All Tin Leg policies include coverage under the Travel Delay benefit for the following expenses: a) any prepaid, unused, non-refundable land, air, or water accommodations; b) any reasonable additional expenses incurred (meals, accommodations, local Transportation, and telephone calls); c) an economy fare from where the travelers trip was delayed to where the traveler can resume their… Read More
What is considered a Pre-Existing Condition?
Generally, a Pre-Existing Condition is any accidental injury or illness for which medical advice, diagnosis, care or treatment has been recently recommended or received before a policy’s effective date. Tin Leg considers travelers to have a pre-existing condition if there have been any changes to their medical history (like those listed above) within 180 days prior to the date they purchase their policy. If a traveler has had changes to their medical history, these conditions would be excluded from coverage, unless their policy includes coverage for Pre-Existing Conditions. Conditions that are stable during this 180 day period are not considered… Read More
Position Statement Tropical Storm Erika
Posted: 8/25/2015 On Tuesday, August 25th, Tropical Storm Erika became a named storm near the Leeward Islands in the central Atlantic Ocean. What you need to know about your policy: As of August 25th, Tropical Storm Erika is no longer considered an unforeseen event, and coverage related to the storm is no longer available for Tin Leg policies purchased after this date. Tin Leg policies purchased prior to August 25th may provide coverage related to the storm, including Trip Cancellation and Travel Delay benefits. Trip Cancellation and Trip Interruption coverage for Hurricane and Weather: In order for the storm to… Read More
Position Statement Hurricane Danny
Updated: 08/20/2015 On Thursday, August 20th, Hurricane Danny, became the first Atlantic hurricane of the year. What you need to know about your policy: As of August 18th, Tropical Storm Danny is no longer considered an unforeseen event. Coverage related to Tropical Storm Danny is not available for Tin Leg policies purchased after this date. Tin Leg policies purchased prior to August 18th offer Trip Cancellation and Trip Interruption coverage for Hurricane and Weather. Trip Cancellation and Trip Interruption coverage for Hurricane and Weather: In order for an event to be covered under Tin Leg policies, it must meet the… Read More
Position Statement Bangkok Bombings
Posted: 08/19/2015 On Monday, August 17th, two bomb attacks in Bangkok, Thailand, killed 20 people. What you need to know about your policy: As of August 19th, the incident has not been officially deemed as an act of terrorism, meaning there is no coverage for losses related to the attacks for current Tin Leg policyholders. If the bombings in Bangkok become named as a terrorist event, and meet Tin Leg’s definition of “terrorism” (below), there may be coverage for Tin Leg customers to cancel or interrupt their trip. In order to be eligible for these benefits, a Tin Leg policy… Read More
What does Non-Medical Evacuation cover?
In the event of a catastrophe, Non-Medical Evacuation provides transportation from a place of danger to a place of safety. The events that are considered a “catastrophe”, and qualify for this benefit, differ depending on the travel insurance policy. All Tin Leg policies define a catastrophe as a violent and destructive natural event causing a sudden change in a feature of the earth. Catastrophe includes but is not limited to earthquakes, tsunamis, hurricanes, mudslides, and other similar destructive natural disasters. If a qualifying event occurs, coverage includes transportation costs that have been reviewed and pre-approved by Tin Leg, and are… Read More
Does travel insurance cover pregnancy?
Generally, travel insurance policies do not provide Trip Cancellation coverage or Emergency Medical coverage for normal pregnancy and childbirth. This is because travel insurance is designed to provide coverage for unforeseen events, and a normal pregnancy is considered a foreseeable event. Both pregnancy and childbirth are excluded under all Tin Leg policies. However, Tin Leg’s Economy, Standard, and Luxury policies all cover complications of pregnancy. Tin Leg defines complications of pregnancy as a condition whose diagnosis is distinct from pregnancy but is adversely affected or caused by pregnancy. For travelers that want the added coverage of cancellation for normal pregnancy,… Read More
Does travel insurance pay upfront?
Across the board, travel insurance policies are generally designed on a reimbursement basis. This means the traveler will first pay out-of-pocket and then file a claim to be reimbursed. In order to receive reimbursement for out-of-pocket expenses, receipts and other documentation may be required. At Tin Leg’s discretion, all, or a portion of benefits, may be paid directly to the provider of the services rendered. This can include direct payment for Emergency Medical or Medical Evacuation benefits. Non-Medical Evacuation transportation is almost always coordinated by the travel insurance provider and therefore can be paid direct up to the maximum benefit… Read More
Position Statement Grecian Economic Crisis
Posted: 7/8/2015 The economic crisis in Greece has many travelers concerned about visiting the popular tourist destination. Unfortunately, the current situation does not fall under any of the covered events within Tin Leg’s Trip Cancellation or Trip Interruption benefits. However, if a traveler’s tour operator or travel supplier becomes financially insolvent, or if there is a common carrier strike related to the crisis, Trip Cancellation and Interruption benefits can become available. In order to be eligible for the financial default benefit, the Tin Leg policy must be purchased within 14 days of the initial trip deposit and the financial default must occur… Read More