Un-clicking TCP override or changing other of the minimal options had no effect on this problem. Then I started having infuriating problems with connection stability, disconnecting and reconnecting on average every five minutes and showing notices that it was having trouble creating secure tunnels. Once I had a paid subscription, TB first refused to download bit torrents until I discovered this could be overcome by activating the TCP override option.
I was impressed by the simplicity of the interface, appreciated the wit, and was pleased by the wide selection of servers in many countries.
I tested it under the free 500MB trial after 2 years using BTGuard. To the developer of Tunnel Bear, I am asking for a refund of the year's subscription I purchased a week ago.