If I get laid off at work, can I cancel my trip for reimbursement?

Generally, travel insurance can provide reimbursement if a trip is canceled due to involuntary layoff or termination of employment. This benefit, Employment Layoff, provides reimbursement for prepaid, non-refundable trip payments and deposits. All Tin Leg policies provide Employment Layoff coverage for Trip Cancellation and Trip Interruption when the following conditions are met: A traveler or their traveling companion is terminated or laid off They have been employed by their place of employment for the past two consecutive years Trip Cancellation provides coverage if you cancel your trip for a covered reason, such as Employment Layoff, before you depart. All of… Read More

Position Statement Russian Metrojet Plane Crash

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

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

Is terrorism a covered reason to cancel my trip?

Terrorism coverage, for both foreign and domestic events, is included as a covered reason under the Trip Cancellation benefit of all Tin Leg policies. In order to be covered under this benefit, an event must be deemed as an official terrorist incident by the U.S. Department of State. The policy must be purchased before the event has occurred. Tin Leg policies also require the terrorist attack to occur within 50 miles of a city listed on the traveler’s itinerary, and within seven days of their trip departure. Tin Leg’€™s Economy and Standard policies provide 100% reimbursement of prepaid and nonrefundable… Read More

Can I insure frequent flyer miles in the cost of my trip?

Frequent flyer miles and similar travel awards, such as hotel or motel awards, cannot be included in the trip cost for your covered trip. The value of air miles and rewards points are not insurable expenses on a travel insurance policy because there is no exact dollar value to associate with the points. However, you can insure any out-of-pocket expenses related to the miles, such as taxes. Re-banking fees can also be insured. In the event a trip is cancelled or interrupted, the fees incurred for re-depositing the awards back into your account can be reimbursed. Tin Leg’s Economy, Standard,… Read More

What is the difference between Trip Cancellation and Cancel for Any Reason?

Both Trip Cancellation and Cancel for Any Reason offer coverage to cancel a trip, however there are many important differences between the two benefits. The main difference between Trip Cancellation and Cancel for Any Reason, is that Cancel for Any Reason is an optional upgrade that allows a traveler to cancel their trip and receive 75% reimbursement for any reason that is not otherwise covered by the standard Trip Cancellation coverage. Trip Cancellation The standard Trip Cancellation benefit included in Tin Leg policies provides reimbursement for prepaid and non-refundable trip costs if a trip is cancelled due to one of… Read More

Position Statement Nepal Earthquake

Updated: 4/27/2015 On Saturday, April 25th, a 7.8-magnitude earthquake occurred in Nepal, sending tremors through India, Bangladesh, Tibet, and on Mount Everest. All Tin Leg policies offer Trip Cancellation and Trip Interruption coverage for earthquakes under the Hurricane and Weather benefits. As of April 25th, the earthquake is no longer considered an unforeseen event. Coverage related to the Nepal Earthquake is not available for policies purchased after this date. Policies purchased prior to April 25th may have coverage for the earthquake. In order for an event to be covered under Tin Leg policies, it must meet the following requirements: Occur… Read More