I purchased travel insurance from Tin Leg Travel Insurance to cover our family trip to Scotland. When in Scotland all three of us contracted Covid-19. I set up a telehealth appointment with my primary care provider, She confirmed the diagnosis of Covid-19 and since my husband and I are over 60 years old, she recommened that we return home to the US to assure adequate treatment if necessary. I immediately called Tin leg and talked with their support staff and I asked what I needed to do to file a claim. They told me just come home and submit the claim then. When I got home, I promptly submitted the claim with a letter from my healthcare provider verifying my illness. I then spent 11 weeks corresponding with the Tin Leg Claims associate, providing every single piece of supporting documentation, receipts, confirmations of cancellations of accomidations, bank statements, etc. During this time, never once did the associate indicate that further verification of our illnesses was required. After providing everything asked from me, my claim was denied. I spent 40 hours providing documentation when they could have told me up front that the letter from my primary care provider was not acceptable. I was sick for a week after returning from Scotland and I could have gone to urgent care if more documentation was required. My claim ($9,000) was denied. I was shocked. I honestly felt misled and manipulated. My concern is that this company, Tin Leg, was not forthright with me. They wasted my time and that of their claim adjuster. In the end I do not feel that Tin Leg conducted business with me in an honest, competent and ethical manner. Puchasing this policy was a big waste of money and time.