Tin Leg Coverage Statement

The Covid-19 pandemic has created more concerns for travelers than ever before. Read more about how our policies can offer coverage for travelers in the event their travel plans are impacted by the pandemic.

Read Our Coverage Statement

Compare Coverage for Covid-19

Tin Leg’s policies can provide coverage for the main traveler concerns related to Covid-19. View our policy coverage chart for a detailed breakdown of the relevant benefits provided by each of our policies. 

View Our Coverage Chart

Frequently Asked Questions

We understand the Covid-19 pandemic has created uncertainty for virtually every traveler worldwide. Visit our FAQs section for answers to the most common traveler questions related to Covid-19 travel insurance.

Read Our FAQs


 

Covid-19 Coverage Information

 

The Covid-19 pandemic has impacted virtually every traveler worldwide, and has caused more uncertainty for travelers than ever before. However, travel insurance benefits may be available for travelers who contract the virus or are quarantined before or during their trip. These benefits can include the Emergency Medical and Medical Evacuation benefits, Travel Delay for quarantine coverage, and Trip Cancellation.

For other Covid-related impacts, such as airline cancellations, border closures, and other similar travel restrictions, some Tin Leg plans include the optional Cancel For Any Reason upgrade, which offers travelers the most possible flexibility and may cover those concerns.

 

 

For Tin Leg Economy, Standard, Luxury, Adventure, USA Only, Basic, and Platinum policies:

 

Trip Cancellation and Trip Interruption coverage for Covid-19

Tin Leg’s Economy, Standard, Luxury, Adventure, USA Only, Basic, and Platinum policies all include Cancel for Covid-19 Sickness coverage. For coverage to apply, the traveler or their traveling companion must test positive for Covid-19 before their trip or during their trip, and cancel their trip outright.

Similarly, coverage can apply if a non-traveling family member contracts Covid-19 as well. If a family member becomes seriously ill or if they require care from a traveling family member, this situation could necessitate canceling a trip, which can be reimbursed by the insurance policy.

Canceling a trip because of other Covid-19 related issues including fear of traveling, border closures, or travel advisories can only be covered by a policy with the Cancel For Any Reason upgrade. Of these policies, only the Tin Leg Luxury and Tin Leg Adventure policies offer the CFAR benefit. Cancel For Any Reason can provide reimbursement of 50-75% of the total insured trip cost if the traveler cancels. Unless a policy specifically excludes the traveler’s reason, they can decide to cancel their trip up to 48 hours prior to departure.

Emergency Medical and Medical Evacuation coverage for Covid-19

Tin Leg’s Economy, Standard, Luxury, Adventure, USA Only, Basic, and Platinum policies all include Medical Coverage for Covid-19. These policies can provide Emergency Medical coverage for a traveler’s incurred medical expenses if they become infected with Covid-19 and must receive treatment during their trip. These covered expenses can include physician services and hospital fees among other costs associated with care. These policies also include Medical Evacuation coverage if the illness or injury requires transportation to the nearest adequate medical center.

Travel Delay coverage for Quarantine due to Covid-19

In the event a traveler tests positive for Covid-19 and must quarantine before returning home, they can be covered under the Travel Delay benefit. This benefit can reimburse a traveler for the cost of their meals and accommodations during the quarantine, up to the policy’s daily limit. This coverage may be extended up to 7 days after the traveler’s return home date, or until they are cleared to return home, whichever takes place first.

Depending on the plan, coverage ranges from $500 up to this $2,000 limit. Only Tin Leg’s Luxury and Silver Plan meets the $2,000 Travel Delay requirement mandatory for Costa Rica.

 

Coverage Statement for Tin Leg Silver and Gold policies:

 

Trip Cancellation and Trip Interruption coverage for Covid-19

Tin Leg’s Silver and Gold policies include Cancel For Covid-19 Sickness coverage. In order for a traveler to be covered to cancel or interrupt their trip due to Covid-19, the traveler or their traveling companion would need to test positive for Covid-19 and provide documentation proving their cancellation.

Similarly, coverage can apply if a non-traveling family member contracts Covid-19 as well. If a family member becomes seriously ill or if they require care from a traveling family member, this situation could necessitate canceling a trip, which can be reimbursed by the insurance policy.

For travelers who are worried about travel advisories, wanting to cancel for fear of traveling, or border closures, the Cancel For Any Reason upgrade can provide coverage for these situations. Both the Tin Leg Silver and Gold policies offer the Cancel For Any Reason upgrade and provide 50-75% reimbursement for prepaid, non-refundable trip costs when a traveler cancels their trip for most reasons excluded from traditional cancellation coverage.

Emergency Medical and Medical Evacuation coverage for Covid-19

Tin Leg’s Silver and Gold policies include Medical Coverage for Covid-19. These Tin Leg policies can provide Emergency Medical coverage to reimburse a traveler’s incurred medical expenses if they contract Covid-19 during their trip, such as hospital bills, physician fees, and similar costs incurred. These policies also include Medical Evacuation coverage if a traveler needs transportation to the nearest medical facility.

Travel Delay coverage for Quarantine due to Covid-19:

In the event a traveler must quarantine before returning home because they’ve tested positive for Covid-19, they can be covered under the Travel Delay benefit. This coverage can provide reimbursement for the cost of their meals and accommodations during the quarantine, up to the policy’s daily limit. This coverage may be extended up to 7 days after the traveler’s return home date or until they are cleared to return home, whichever takes place first.

The Tin Leg Gold plan offers up to $500 in coverage for Travel Delay.

Costa Rica specifically requires $2,000 worth of coverage for a mandatory quarantine. Tin Leg’s Silver and Luxury plan can satisfy this requirement.

Search for a Tin Leg Policy

Emergency Assistance Contact Information

If you are currently traveling and need assistance or advice regarding your benefits, locating a medical facility, or to arrange a medical evacuation, contact our emergency assistance team. We are available 24 hours a day, 365 days a year.


For Use With These Policies:

Economy, Standard, Luxury, Adventure, USA Only, Basic and Platinum

Inside the U.S.

844-927-9265 (Toll Free)

Outside the U.S

+1 727-264-5657 (Collect Call)


For Use With These Policies:

Silver and Gold

Inside the U.S.

844-945-1468 (Toll Free)

Outside the U.S

+1 519-945-6028 (Collect Call)


In the event of a life-threatening emergency, we recommend contacting local emergency services immediately. Once you are able to, please contact Tin Leg’s 24-hour emergency assistance team.

For a list of emergency assistance services offered by Tin Leg, click here

Tin Leg’s Covid-19 Coverage Comparison Chart

Use our comparison chart to compare each Tin Leg policy’s coverage for the most common Covid-19 related concerns.

 

Search for a Tin Leg Policy

 

Frequently Asked Questions

Do Tin Leg Policies Cover Covid-19?

Tin Leg’s policies can provide coverage for travelers who contract Covid-19 and must either cancel their trip, receive medical attention while traveling, or quarantine at their destination.

Trip Cancellation and Trip Interruption benefits for contracting Covid-19 are available within all Tin Leg policies. Trip Cancellation can reimburse a traveler’s prepaid and non-refundable trip expenses in the event of an unforeseen circumstance that causes them to cancel their trip entirely, such as testing positive Covid-19 prior to departure. These covered trip expenses typically include accommodations, flights, and prepaid tours or tickets.

If a traveler contracts Covid-19 while traveling and must cut their trip short, they can be covered by the Trip Interruption benefit. This benefit can refund travelers up to 150% of their unused trip costs.

In addition to cancellation benefits, all Tin Leg policies also include Emergency Medical and Medical Evacuation coverage. Emergency Medical coverage can provide reimbursement if a traveler contracts Covid-19 and requires treatment. Medical Evacuation can provide reimbursement if a traveler needs to be taken to the nearest medical facility, transferred to a different facility, or even transported home under a physician’s requirement.

For travelers concerned about quarantine coverage, Trip Delay coverage can reimburse travelers if they are required to quarantine at their destination because of a positive Covid-19 test. This coverage can reimburse a traveler up to the policy’s daily limit, between $150 and $200 depending on the Tin Leg policy, up until the benefit limit is reached. Travelers can be covered for their quarantine expenses, including meals and accommodations, within this benefit for up to 7 days after their scheduled return date. Trip Delay coverage is included in all Tin Leg policies.

Can I Cancel My Trip for Fear of Travel Due to The Pandemic?

The only benefit that allows travelers to cancel due to fear of traveling is Cancel For Any Reason.

Fear of traveling is not covered under standard Trip Cancellation policies. However, travelers who purchase Cancel For Any Reason can be covered for a wide variety of reasons that are not covered by Trip Cancellation, including fear of traveling, as well as other reasons such as border closures or a travel advisory.

Cancel For Any Reason is available with the Tin Leg Luxury, Adventure, Silver, and Gold policies. This benefit can reimburse travelers up to 75% of their trip expenses.

What Types of Coverage Do I Need for the Pandemic?

For travelers who are concerned about Covid-19 impacting their trip, Tin Leg offers comprehensive policies with coverage for Covid-related. Specifically, we recommend a policy with coverage for cancellations, medical emergencies, and quarantines.

If a traveler contracts Covid-19 prior to departure, Trip Cancellation coverage can provide reimbursement up to 100% of their non-refundable and prepaid trip costs, including flights, accommodations, excursions, and tours, among other trip expenses.

Emergency Medical can provide reimbursement if a traveler contracts Covid-19 while traveling and incurs expenses for medical care, such as hospital bills, physician fees, and x-ray costs. In the event the illness requires an emergency evacuation, Medical Evacuation coverage can reimburse travel expenses to get to the nearest adequate medical center or even home for treatment if cleared for travel.

Along with these benefits, one of the most common concerns for travelers now is testing positive, having to quarantine, and being stuck at their destination. This can be covered by the Travel Delay benefit.

How Do I make sure my Tin Leg policy satisfies a country’s entry requirement?

Tin Leg policies include the benefits that are typically required by destinations that mandate travel insurance, most commonly medical benefits and quarantine coverage. However, these requirements vary significantly depending on a traveler’s destination, so we always recommend travelers check with their specific destination to confirm their policy meets the specific requirements. Click here for a comprehensive view of countries that require travel insurance.

What Happens If I Contract Covid-19 Overseas and Need to Extend My Policy?

All Tin Leg policies can be extended up to 7 days if a traveler cannot return home on time due to an unforeseen illness or injury, including contracting Covid-19 or being medically required to quarantine. These situations can be covered under the Travel Delay benefit.

For those travelers concerned about contracting Covid-19 and having to quarantine, Tin Leg recommends a policy with a higher coverage amount of the Travel Delay benefit. This coverage can provide reimbursement for expenses related to quarantine, including meals and accommodations. The policy limit can vary from $500 to $2,000 for the total quarantine.

Some countries, such as Costa Rica, require $2,000 in quarantine coverage. Tin Leg’s Silver and Luxury policies offer the highest amount of Travel Delay coverage, with a $2,000 benefit limit.