Position Statement – Puerto Rico Earthquake

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.