I have bought 5 Tin Leg travel insurance policies and only made a claim on my last trip. Traveling to Houston I became very ill and spent 6 days in the hospital. For the past 6 months they have asked for alot of the same information over and over and there is no way to simply call and talk with your insurance person. So you email and email giving them all the info they want. Finally they told me to show them what I've paid and they will let me know what they will cover. I have an over $50k bill from the hospital - I was very ill... I'm also not in a position to pay $50k. They are saying the policy states they only reimburse. So after 6 months of communication I have paid for nonexistent travel insurance. The policy stated it covered up to$250k in medical expenses, but never that you paid it first. I've started a claim with Better Business Bureau and next I'm going to look into a class action suit. I'll bet others will join in. I travel several times a year, next time I'll use Allianz.