Tin Leg Review

A house brand of the Squaremouth marketplace, spread across three underwriters whose financial strength ranges from A++ to A-.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 11, 2026.

Our verdict

Adventure travelers get the reason to look here: a plan that covers high-risk sports most policies exclude outright. The catch is which of three carriers lands on your policy, rated anywhere from AM Best A++ to A-, since that carrier is who pays. Check the underwriter on your plan before you buy.

Skip it if you don't need adventure-sport cover, or you won't check which carrier underwrites your plan.

About Tin Leg

A house brand of the Squaremouth marketplace, spread across three underwriters whose financial strength ranges from A++ to A-. Tin Leg is offered by Squaremouth LLC (underwritten by Berkshire Hathaway Specialty, Starr Indemnity & Liability, and Spinnaker Insurance Company). Our editorial rating is 4.5 out of 5.

Best for: Adventure and high-risk-sport travel that standard policies exclude.

Editorial grade: B- (composite score 68/100).

Highlights

Nine plans: Basic, Economy, Standard, Silver, Gold, Luxury, Adventure, Platinum and Cruise
Cancel For Any Reason on five of the nine, reimbursing 50% to 75%
Adventure plan covers high-risk sports that most travel policies exclude outright

What we like

Adventure cover is genuinely unusual and is the reason to look at this brand
A pre-existing condition waiver is available on most plans when bought inside the window
Berkshire Hathaway Specialty, one of the three underwriters, is AM Best A++ with the largest financial size category

Where it falls short

Which of the three carriers is on your policy decides who pays, and Spinnaker is A- with a financial size category of $100M-$250M against Berkshire Hathaway Specialty's $2B+
It is owned by Squaremouth, which also lists it on its own comparison site alongside independent competitors
Tin Leg advertises 'trusted by 400,000+ travelers' while parent Squaremouth's own page for the brand says it has served over 28,000

Fees, minimums, and rates

Monthly fee: Quoted per trip. Minimum to open: N/A. Rates and fees last checked on September 11, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Squaremouth LLC (underwritten by Berkshire Hathaway Specialty, Starr Indemnity & Liability, and Spinnaker Insurance Company). It is built from Squaremouth LLC (underwritten by Berkshire Hathaway Specialty, Starr Indemnity & Liability, and Spinnaker Insurance Company)'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Travel Insurance shortlist. The rubric is the same for every brand.

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Read our full editorial methodology for how we review products.