Business ProfileforSquaremouth LLC

We purchased the Tin Leg Silver policy which is described as being Comprehensive and Extensive coverage for trip delays and trip interruption. Our policy insured a $12,785 trip to ****** including prepaid airfare from our home to ******, prepaid ferry transportation and lodging for five trips to various ************* during our trip, and prepaid airfare back to our home. Our ferry from ****** to ***** was cancelled the day before departure due to weather so we had to book a flight in order to get to our hotel accommodations in ***** and continue our trip itinerary. The ferry fare was ultimately refunded but the airfare was more expensive than the originally booked ferry so our claim was for the difference in price. Later, our ferry for a day trip from ***** to ********* was rescheduled to the following day due to anticipated bad weather. The rescheduled ferry would have arrived long after our prebooked and prepaid private tour in ********* had embarked. Luckily, we were able to change our ferry trip to the night before our tour. This required an unplanned hotel and transportation in ********* to attend our tour. Our claim was for these two unplanned costs. All of the above events interrupted our prepaid trip itinerary and our claim costs allowed us to continue our planned trip. Our total claim of $334 on a $12,785 insured trip is well below the policy limits for both Trip Interruption and Trip Delay coverages in our policy. Tin Leg denied our claim stating they only cover cancellations or delays affecting the initial arrival leg of the trip or the final departure leg of your trip. They do not cover anything adversely affecting travel legs in between those two events including weather delays and cancellations. This is despite the fact that they base your insurance premium on the entire trip costs which includes the middle leg travel, ************* costs. How is this Comprehensive and Extensive coverage? This is very misleading and lacking in ethics.