I want to give no stars. This is the worse company I have ever dealt with. People purchase travel insurance as a protection in case something goes wrong. People do not purchase insurance just to make a claim. Over the many decades of having insurance, I fortunately have not needed to make a claim. I did however needed to file a claim with Tin Leg, or whoever they are. In late July, 2022, I landed in a small town in Canada for a fishing trip at 8:30 in the evening. My bag, clothing and gear did not make it. I needed to be on a charter flight to my final destination early the next morning. If I missed that flight, I would have lost my whole week at the lodge. I had no coat, no rain coat, no clothes, no fishing gear. My bag eventually arrived 4 days later on another charter flight that cost considerable money. Needless to say, the first four days of my trip were ruined. I filed a claim in early August, 2022. You don't deal with Tin Leg. They send the claim to a company called Broadspire. Countless unreturned emails and phone calls. Countless amount of time wasted trying to get through to someone who could help. This dragged on for months. Finally, yesterday (eight months later), I talked to someone in Broadspire who denied my claim. Tin Leg did nothing other than to say to contact Broadspire. The other interesting thing about this awful experience is that Tin Leg does not use Broadspire anymore. Wonder why? Tin Leg and Broadspire, I believe are companies under Square Mouth Insurance. DO NOT USE THEM. Their customer service stinks. I agree with the other reviews. They do not do anything, hoping you would give up. They happily take your money but will not respond to a claim. What a disgraceful group of companies. I could go on and on about this unbelievable disgusting experience with Tin Leg and Broadspire. JUST DON'T USE THEM!