Insurance coverage in Puerto Rico

Hello everyone,

Moving abroad requires adequate insurance coverage.

What type of insurance expatriates need the most in Puerto Rico: health, house or liability insurance? All of them? Do they come as a package?

Are there other insurance options to consider like critical illness, damage or property insurance?

Is it better to purchase insurance from an expat insurance specialist or from a local insurance provider?

And what about insurance costs?

Tell us about your experience in Puerto Rico.



Puerto Rico is an insurance hub and there are a lot of decent insurance agencies available.  Homeowners or renters insurance is available and I would recommend it the same as you would get anywhere.  I found these to be reasonably priced and they included hurricane and earthquake.  Auto is similar, though I haven't had direct experience with it.

Medical insurance, like medical care in PR, is more complicated.  If you are on your company's US plan, make sure that there are sufficient "in network" providers in PR to go to.  Aetna is the only one I am aware of which has good coverage here.  If you are insuring directly here, health insurance is available and is not terribly expensive but look closely.  Check if it covers care back on the mainland if you need to go there.

Try to go for a single company providing insurance for all your insurance needs. Whatever be the type of Insurance policy you are looking for, these days there are hundreds and more of insurance companies awaiting prospective buyers with another hundreds and more of policy types to choose from. Maximum choices in minimum price and lesser time are the watchwords! I have heard good reviews from some friends about a company and their services.
In addition would like to suggest you to go for multiple quotes to get the best options in hand.

I  have been trying to buy FEMA national flood insurance in PR - but cannot find an agent that will give me a quote.    Any recommendations?

Due to the high claim rate on flood insurance policies it is not possible for insurance companies to provide flood insurance due to the elimination of profit opportunities for the company. There are special requirements needed by the NFIP before a homeowner can qualify for a flooding insurance policy. Get all your doubts clear before buying one. Go through this reference,  for more information or help.

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