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Tin Leg review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Tin Leg is a US travel insurance broker for travellers buying emergency medical cover online, with claims handled online. It works as a broker and its emergency medical cover runs to $20,000 per person (Tin Leg Economy Emergency Medical), so the ceiling matters as much as the price.

Key facts

Best for
Travellers who want emergency medical cover bought and claimed online.
Insurance types
Travel↗
Provider type
Broker↗
Excess from
$0↗
Cover limit
$20,000 per person (Tin Leg Economy Emergency Medical)↗
Claims channels
Online↗
Legal entity
Specialty Program Group LLC↗
Headquarters
United States↗
Founded
2014↗
Support channels
Email, Phone↗
Official website
tinleg.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
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Pros and cons

Pros

  • The excess starts at $0, so a small claim does not begin with a payment from you.
  • Help comes through email and phone, so a policy question can be put to a person before you buy.
  • Tin Leg works as a broker in the US, founded in 2014, so the cover comes from insurers it selects.

Cons

  • Claims are filed online, so a claim itself does not run through the email and phone used for policy questions.
  • Cover is limited to travel, so a wider trip policy has to be arranged elsewhere.
  • Emergency medical cover stops at $20,000 per person (Tin Leg Economy Emergency Medical), a modest ceiling against private hospital treatment abroad.
Tin Leg

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Travellers who want emergency medical cover bought online and an excess that starts at $0.
  • People happy to claim through online and to check the medical ceiling of $20,000 per person (Tin Leg Economy Emergency Medical) before booking.
  • Buyers who would rather deal with a broker founded in 2014 than an insurer writing the policy itself.

Who should look elsewhere

  • Travellers who want the trip policy to sit beside home, auto or gadget cover: EuroAsia Insurance lists auto, home and travel.
  • Anyone after health, life or gadget policies: Oney Préstamos ES covers health, life and gadget.
  • People shopping for life cover rather than trip cover: Linxea covers life.

Who runs it

Tin Leg is run from the US under Specialty Program Group LLC, the legal entity behind the brand, and it was founded in 2014. Day to day help comes through email and phone, so a policy question or a change can go to a person on the phone or by email. The same legal entity and base country appear on the terms, so paperwork points back to the same name.

How Tin Leg compares

Where Tin Leg is available

Available
United States
Licence in United States
U.S. state insurance regulators, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Tin Leg actually cover?+

Tin Leg sells travel insurance, so the focus is the trip itself rather than home, car or life policies. The published emergency medical limit runs to $20,000 per person (Tin Leg Economy Emergency Medical). Treat that ceiling as the headline number and check it against the cost of hospital care at your destination before you buy.

Is there an excess to pay when a claim is made?+

The excess starts at $0, which is the friendliest end of the scale, so a small claim does not first cost you a contribution. A broker can set this per product, so the exact figure in your own policy wording is what counts at claim time.

Is Tin Leg an insurer or a broker?+

Tin Leg is a broker, not the company that carries the risk. Cover is placed with insurers on the brand's behalf, and the legal entity behind it is Specialty Program Group LLC. That structure means your contract and the claims process sit with the insurer named on your documents.

Who regulates Tin Leg?+

Tin Leg operates in the US, where its oversight sits with U.S. state insurance regulators rather than a nationwide regulator. Because Tin Leg is a broker, state rules apply to the insurer taking on your risk as well as to the broker placing it.

How do I make a claim?+

Claims run on online, so you file and track a claim through the website rather than by phone. Keep your policy number and receipts ready, and note that Tin Leg runs the two paths separately: email and phone covers help questions, not the claim itself.

Can I get travel cover from the same place as my car or home insurance?+

Not from Tin Leg, whose cover is limited to travel. EuroAsia Insurance lists auto, home and travel, so it can place travel alongside those policies. Oney Préstamos ES covers health, life and gadget, and Linxea covers life, which matters if you want life cover in the mix.

Sources

  • buy.tinleg.com/products checked September 26, 2026

    Backs: Cover limit, Excess from

    “Economy - Emergency Medical $20,000 per person, Secondary coverage”

  • tinleg.com checked September 26, 2026

    Backs: Claims channels, Insurance types, Support channels

    “Report a Claim - We promise you the best travel insurance claims experience you have ever had”

  • tinleg.com/about-us checked September 26, 2026

    Backs: Founded

    “Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth.”

  • tinleg.com/terms-and-conditions checked September 26, 2026

    Backs: Provider type, Headquarters, Legal entity, Licences

    “SPG and its subsidiaries are licensed as insurance brokers or agents in various U.S. states.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

Tin Leg

Tin Leg

Travellers who want emergency medical cover bought and claimed online.

8.8/10See alternatives