Puerto Rico Earthquake

Puerto Rico Earthquake – Provider Position Statements

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Squaremouth’s travel insurance providers give their official position statements explaining coverage for the 6.4 magnitude earthquake that hit Puerto Rico on the morning of Tuesday, January 7, 2020, causing power outages and damage to homes and buildings along the island’s southern coast.

Generali Global Assistance

Puerto Rico was struck by a magnitude 6.4 earthquake the morning of January 7, 2020. Roughly two-thirds of Puerto Rico remains without electricity, many still don’t have water and frightened residents were staying outside as a series of aftershocks rocked the island following the large earthquake. It hit before dawn Tuesday, leaving a man dead and causing dozens of homes and structures to crumble and was centered off Puerto Rico’s southern coast, 6 miles south of Indios. Governor Wanda Vázquez Garced declared a state of emergency and activated the Puerto Rico National Guard as she pleaded with residents to remain calm and prepare for aftershocks.

Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for natural disasters, please note that there is no coverage for this specific event under any plans purchased on or after January 7, 2020. Please contact CSA Travel Protection-Generali Global Assistance with questions.

Global Underwriters

Natural Disaster Evacuation/Repatriation – If the Plan Participant requires emergency evacuation or return of deceased remains due to a Natural Disaster, which makes his/her location uninhabitable, or, your location in the Host Country is deemed uninhabitable by the travel assistance company security personnel, the travel assistance company security will arrange and the Company will pay for evacuation from a safe departure point to the nearest safe location for the following reasons: 1) Officials of the foreign country or the embassy of the country with which the Plan Participant is a national has issued for reasons due to the natural disaster situation, a recommendation that categories of persons which include the Plan Participant should leave the foreign country; AND A Plan Participant cannot obtain commercial transportation to the nearest safe location within a time period which will enable the Plan Participant to leave the foreign country in time to avert imminent bodily harm or to comply with the time allowed to leave the foreign country pursuant to the orders of the recognized government of that foreign country. The Plan Participant must contact the travel assistance company as soon as possible after his/her Host Country issues the official disaster declaration, as delays may make safe transportation impossible. The method of transportation will be as deemed most appropriate to ensure the Plan Participant’s safety. If evacuation becomes impractical due to hostile or dangerous conditions, the travel assistance company will maintain contact with and advise the Plan Participant until evacuation becomes viable or the natural disaster situation has been resolved. Should commercial flights be available, but transportation to the airport will place the Plan Participant in imminent bodily harm, the travel assistance company shall arrange and pay for his/her secure transport to the airport. Airfare change fees are the responsibility of the Plan Participant once he/she reaches an airport where normal commercial flight is available. The Evacuation must occur within 14 days of any covered event. Benefits are only payable for arrangements made by the authorized travel assistance company. The travel assistance company shall arrange an the company will pay up to $100 per day up to a maximum of five (5) days for reasonable expenses related to lodging if the Plan Participant is delayed at a safe haven. The travel assistance company shall also arrange and the company will pay for one-way economy airfare to return the Plan Participant to his/her Home Country following an Evacuation. Economy airfare and lodging costs shall not exceed a combined single limit of $5,000.

No Benefit shall be payable if there is a U.S. Department of State Level 4 travel Advisory/Warning in effect within 30 days prior to the Plan Participant date of arrival in the host country.

Travel Assistant’s Company must make all arrangements for the Plan Participant. Services rendered without the travel assistant company’s coordination and approval is not covered. No claims for reimbursement will be accepted. If the Plan Participant is able to leave their host country by normal means, such as changing a commercial airline ticket, the travel assistant company will assist in rebooking flights or other transportation. Expenses for non-emergency transportation are the responsibility of the Plan Participant

Emergency Evacuation Exclusions: We do not cover:

  1. Loss or expense for a Non-Medical Emergency Evacuation covered reason which took place in an Excluded Country;
  2. loss or expense recoverable under any other insurance or through an employer;
  3. loss or expense arising from or attributable to:
    1. fraudulent or criminal acts committed or attempted by You;
    2. alleged violation of the laws of the country You are visiting, unless We determine such allegations to be fraudulent; or
    3. failure to maintain required documents or visas;
  4. loss or expense arising from or attributable to:
    1. debt, insolvency, business or commercial failure;
    2. the repossession of any property; or
    3. Your noncompliance with a contract, license or permit;
  5. loss or expense arising from or due to liability assumed by You under any contract.


In regard to the recent earthquake in Puerto Rico, International Medical Group’s (IMG) iTravelInsured plans may provide coverage for some benefits if travelers’ plans are affected by this Natural Disaster. Per the plans, benefits may be triggered if your destination or travel plans are affected by an earthquake. Please refer to your plan documents for complete terms and
conditions for coverage as definitions may vary by plan and state. You may also call IMG at +1 (317) 655-4500 for additional questions.

Insurance benefits contained within the iTravelInsured plans described above are underwritten by the United States Fire Insurance Company. C&F and Crum & Forster are registered trademarks of United State Fire Insurance Company.  The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2018.

Tin Leg

A 6.4 magnitude earthquake and multiple other strong tremors hit Puerto Rico on Tuesday morning, January 7, 2020, causing power outages and damage to homes and buildings along the island’s southern coast. Puerto Rico has experienced a series of earthquakes since December 28, 2019, all appearing to be foreshocks of the 6.4 magnitude quake on Tuesday. More earthquakes are expected to follow.

What you need to know about your policy:

As of January 7, 2020, the earthquake is no longer considered an unforeseen event. Coverage related to the earthquake is not available for Tin Leg policies purchased after this date.

Tin Leg policies purchased prior to January 7, 2020 may provide coverage related to the earthquake, including Trip Cancellation, Trip Interruption and Trip Delay benefits, however the coverage varies. Each claim will be handled on a case-by-case basis.

Trip Cancellation and Trip Interruption coverage for Natural Disasters:

In order for an earthquake to be covered under Tin Leg policies, it must occur after an Economy, Luxury, or Adventure policy has been purchased, and must meet at least one of the following requirements.

  • Accommodations at your destination are made uninhabitable or inaccessible
  • Your or your traveling companion’s primary residence has been rendered uninhabitable

Travel Delay coverage for Natural Disasters:

In order for an earthquake to be covered under the Trip Delay benefit within Tin Leg policies, it must meet the following requirements for minimum length of delay:

  • Tin Leg Economy policy: 12 consecutive hours
  • Tin Leg Luxury policy: 6 consecutive hours
  • Tin Leg Adventure policy: 5 consecutive hours

In addition to Trip Cancellation and Travel Delay coverage, other benefits, including Emergency Medical and Medical Evacuation, may also be available for coverage related to the earthquake.

In the event of an emergency, please contact Tin Leg’s 24 Hour Emergency Assistance department as soon as reasonably possible at:
Emergency Assistance Inside US: 844-927-9265 (Toll Free)
Emergency Assistance Outside US (Collect Call): 001-727-264-5657
Emergency Assistance Email: emergency@tinleg.com

In the event of a claim, please contact Tin Leg’s Claim department at 844-240-1233 or claims@tinleg.com. Start your claim online: https://tinleg.com/claims/online

Please contact Tin Leg with any questions at 844-240-1233, we are delighted to answer any additional questions.