Products - Tin Leg Travel Insurance


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Ratings
AM Best Rating	Underwritten by Berkshire Hathaway Specialty Insurance Company AM Best's Rating of A++ (Superior) Effective as of: 2024-03-28 Verify this rating at www.ambest.com	Underwritten by Berkshire Hathaway Specialty Insurance Company AM Best's Rating of A++ (Superior) Effective as of: 2024-03-28 Verify this rating at www.ambest.com	Underwritten by Berkshire Hathaway Specialty Insurance Company AM Best's Rating of A++ (Superior) Effective as of: 2024-03-28 Verify this rating at www.ambest.com	Underwritten by Berkshire Hathaway Specialty Insurance Company AM Best's Rating of A++ (Superior) Effective as of: 2024-03-28 Verify this rating at www.ambest.com	Underwritten by Starr Indemnity & Liability Company AM Best's Rating of A (Excellent) Effective as of: 2023-12-13 Verify this rating at www.ambest.com	Underwritten by Starr Indemnity & Liability Company AM Best's Rating of A (Excellent) Effective as of: 2023-12-13 Verify this rating at www.ambest.com	Underwritten by Spinnaker Insurance Company AM Best's Rating of A- (Excellent) Effective as of: 2023-12-19 Verify this rating at www.ambest.com	Underwritten by Spinnaker Insurance Company AM Best's Rating of A- (Excellent) Effective as of: 2023-12-19 Verify this rating at www.ambest.com
Cancellation
Cancel for Covid-19 Sickness	Included in Trip Cancellation & Interruption More Detail	Included in Trip Cancellation & Interruption More Detail	Included in Trip Cancellation & Interruption More Detail	Included in Trip Cancellation & Interruption More Detail	Included in Trip Cancellation & Interruption More Detail	Included in Trip Cancellation & Interruption More Detail	Included in Trip Cancellation & Interruption More Detail	Included in Trip Cancellation & Interruption More Detail
Trip Cancellation	100% of the trip cost More Detail	100% of the trip cost More Detail	100% of the trip cost More Detail	100% of the trip cost More Detail	100% of the trip cost More Detail	100% of the trip cost More Detail	100% of the trip cost More Detail	100% of the trip cost More Detail
Trip Interruption	100% of the trip cost More Detail	150% of the trip cost More Detail	150% of the trip cost More Detail	150% of the trip cost More Detail	150% of the trip cost More Detail	150% of the trip cost More Detail	150% of the trip cost More Detail	150% of the trip cost More Detail
Hurricane & Weather	Common carrier delay for any length of time Must be purchased before storm is named More Detail	Common carrier delay for any length of time Accommodation made uninhabitable Must be purchased before storm is named More Detail	Common carrier delay for any length of time Accommodation made uninhabitable Must be purchased before storm is named More Detail	Common carrier delay for any length of time Accommodation made uninhabitable Must be purchased before storm is named More Detail	Common carrier delay for 24 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named More Detail	Common carrier delay for 48 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named More Detail	Common carrier delay for 48 hours Must be purchased before storm is named More Detail	Common carrier delay for 48 hours Accommodation made uninhabitable Must be purchased before storm is named More Detail
Employment Layoff	Covered If employed for 1 continuous year More Detail	Covered If employed for 1 continuous year More Detail	Covered If employed for 1 continuous year More Detail	Covered If employed for 1 continuous year More Detail	No coverage	Covered If employed for 3 continuous years More Detail	No coverage	Covered after 30 day wait If employed for 3 continuous years More Detail
Cancel For Medical Reasons	Included in Trip Cancellation and Trip Interruption More Detail	Included in Trip Cancellation and Trip Interruption More Detail	Included in Trip Cancellation and Trip Interruption More Detail	Included in Trip Cancellation and Trip Interruption More Detail	Included in Trip Cancellation and Trip Interruption More Detail	Included in Trip Cancellation and Trip Interruption More Detail	Included in Trip Cancellation and Trip Interruption More Detail	Included in Trip Cancellation and Trip Interruption More Detail
Terrorism	No coverage	Covered for foreign and domestic More Detail	Covered for foreign and domestic More Detail	Covered for foreign and domestic More Detail	Covered for foreign and domestic More Detail	Covered for foreign and domestic More Detail	No coverage	Covered for foreign only More Detail
Financial Default	No coverage	Covered after 14 day wait if purchased within 15 days of trip deposit More Detail	Covered after 14 day wait if purchased within 15 days of trip deposit More Detail	Covered after 14 day wait if purchased within 15 days of trip deposit More Detail	Covered after 14 day wait if purchased within 14 days of trip deposit More Detail	Covered after 14 day wait if purchased within 14 days of trip deposit More Detail	No coverage	No coverage
Cancel For Work Reasons	No coverage	No coverage	Covered for 100% of trip cost if purchased within 15 days of trip deposit More Detail	Covered for 100% of trip cost if purchased within 15 days of trip deposit More Detail	No coverage	No coverage More Detail	No coverage	Covered for 100% of trip cost if purchased within 15 days of trip deposit More Detail
Cancel For Any Reason	No coverage	No coverage	Optional coverage This benefit is separate from Trip Cancellation More Detail	Optional coverage This benefit is separate from Trip Cancellation More Detail	Optional coverage This benefit is separate from Trip Cancellation More Detail	Optional coverage This benefit is separate from Trip Cancellation More Detail	No coverage	No coverage
Medical
Medical Coverage for Covid-19	Included in Emergency Medical More Detail	Included in Emergency Medical More Detail	Included in Emergency Medical More Detail	Included in Emergency Medical More Detail	Included in Emergency Medical More Detail	Included in Emergency Medical More Detail	Included in Emergency Medical More Detail	Included in Emergency Medical More Detail
Emergency Medical	$20,000 per person Secondary coverage More Detail	$30,000 per person Secondary coverage More Detail	$100,000 per person Primary coverage More Detail	$100,000 per person Primary coverage More Detail	$250,000 per person Secondary coverage More Detail	$500,000 per person Primary coverage More Detail	$50,000 per person Secondary coverage More Detail	$100,000 per person Secondary coverage More Detail
Pre-Existing Condition	No coverage Pre-existing look-back period 180 days More Detail	Covered if purchased within 15 days of trip deposit More Detail	Covered if purchased within 15 days of trip deposit More Detail	Covered if purchased within 15 days of trip deposit More Detail	Covered if purchased within 14 days of trip deposit More Detail	Covered if purchased within 14 days of trip deposit More Detail	Covered if purchased within 15 days of trip deposit More Detail	Covered if purchased within 15 days of trip deposit More Detail
Medical Deductible	No Medical Deductible More Detail	No Medical Deductible More Detail	No Medical Deductible More Detail	No Medical Deductible More Detail	No Medical Deductible More Detail	No Medical Deductible More Detail	No Medical Deductible More Detail	No Medical Deductible More Detail
Evacuation
Medical Evacuation & Repatriation	$100,000 per person More Detail	$200,000 per person More Detail	$250,000 per person More Detail	$1,000,000 per person More Detail	$1,000,000 per person More Detail	$500,000 per person More Detail	$200,000 per person More Detail	$500,000 per person More Detail
Loss or Delay
Extension Of Coverage	Coverage can extend up to 7 days Coverage for medical quarantine included More Detail	Coverage can extend up to 7 days Coverage for medical quarantine included More Detail	Coverage can extend up to 7 days Coverage for medical quarantine included More Detail	Coverage can extend up to 7 days Coverage for medical quarantine included More Detail	Coverage can extend up to 7 days Coverage for medical quarantine included More Detail	Coverage can extend up to 7 days Coverage for medical quarantine included More Detail	Coverage can extend up to 7 days Coverage for medical quarantine included More Detail	Coverage can extend up to 7 days Coverage for medical quarantine included More Detail
Travel Delay	$500 per person $150 daily limit Covered after 12 hour delay More Detail	$500 per person $150 daily limit Covered after 6 hour delay More Detail	$2,000 per person $150 daily limit Covered after 6 hour delay More Detail	$600 per person $200 daily limit Covered after 5 hour delay More Detail	$2,000 per person $150 daily limit Covered after 6 hour delay More Detail	$500 per person $150 daily limit Covered after 6 hour delay More Detail	$500 per person $150 daily limit Covered after 6 hour delay More Detail	$500 per person $150 daily limit Covered after 6 hour delay More Detail
Baggage Delay	$200 per person Covered after 24 hour delay More Detail	$200 per person Covered after 24 hour delay More Detail	$200 per person Covered after 24 hour delay More Detail	$200 per person Covered after 12 hour delay More Detail	$500 per person $100 daily limit Covered after 8 hour delay More Detail	$200 per person $100 daily limit Covered after 24 hour delay More Detail	$200 per person Covered after 24 hour delay More Detail	$200 per person Covered after 24 hour delay More Detail
Baggage & Personal Items Loss	$500 per person $100 first item limit $100 subsequent items limit $500 specific items limit More Detail	$500 per person $100 first item limit $100 subsequent items limit $500 specific items limit $25 deductible More Detail	$500 per person $100 first item limit $100 subsequent items limit $500 specific items limit More Detail	$1,000 per person $500 first item limit $250 subsequent items limit $500 specific items limit More Detail	$2,500 per person $250 per item $1,250 specific items limit More Detail	$500 per person $100 per item $250 specific items limit More Detail	$500 policy limit $150 per item $25 deductible More Detail	$500 policy limit $25 deductible More Detail
Missed Connection	$100 per person Covered after 3 hour delay More Detail	No coverage	$100 per person Covered after 3 hour delay More Detail	$500 per person Covered after 3 hour delay More Detail	No coverage	$500 per person Covered after 3 hour delay More Detail	$250 per person Covered after 12 hour delay More Detail	$250 per person Covered after 6 hour delay More Detail
Accidental Death
24 Hour AD&D	$10,000 per person More Detail	No coverage	$10,000 per person More Detail	$25,000 per person More Detail	No coverage	$10,000 per person More Detail	No coverage	No coverage
Flight Only AD&D	No coverage	No coverage	Optional coverage More Detail	No coverage	No coverage	No coverage	$25,000 per person More Detail	$150,000 per person More Detail
Sports
Sports Equipment Loss	Included in Baggage & Personal Items Loss More Detail	Included in Baggage & Personal Items Loss More Detail	Included in Baggage & Personal Items Loss More Detail	Included in Baggage & Personal Items Loss More Detail	Included in Baggage & Personal Items Loss More Detail	Included in Baggage & Personal Items Loss More Detail	No coverage	Included in Baggage & Personal Items Loss More Detail
Sports Fees	Included in Cancellation & Interruption More Detail	Included in Cancellation & Interruption More Detail	Included in Cancellation & Interruption More Detail	Included in Cancellation & Interruption More Detail	Included in Cancellation & Interruption More Detail	Included in Cancellation & Interruption More Detail	Included in Cancellation & Interruption More Detail	Included in Cancellation & Interruption More Detail
Sports & Activities	No coverage	Covered Limitations apply More Detail	Covered Limitations apply More Detail	Covered Limitations apply More Detail	Covered Limitations apply More Detail	Covered Limitations apply More Detail	Covered Limitations apply More Detail	Covered Limitations apply More Detail
Sports Equipment Delay	No coverage	No coverage	No coverage	$500 per person More Detail	No coverage	No coverage	No coverage	Included in Baggage Delay More Detail
Other Benefits
Money Back Guarantee	Free look up to 15 days after purchase More Detail	Free look up to 15 days after purchase More Detail	Free look up to 15 days after purchase More Detail	Free look up to 15 days after purchase More Detail	Free look up to 14 days after purchase More Detail	Free look up to 14 days after purchase More Detail	Free look up to 10 days after purchase More Detail	Free look up to 10 days after purchase More Detail
24 Hour Assistance Service	24 hour assistance provided More Detail	24 hour assistance provided More Detail	24 hour assistance provided More Detail	24 hour assistance provided More Detail	24 hour assistance provided More Detail	24 hour assistance provided More Detail	24 hour assistance provided More Detail	24 hour assistance provided More Detail
Rental Car Damage	No coverage	No coverage	Optional coverage More Detail	No coverage	No coverage	No coverage	No coverage	No coverage