Source: https://reeflabel.com/products/panama-jack-zinc-sunscreen-lotion-spf-50/ [Panama Jack](https://reeflabel.com/brands/panama-jack/) # Is Panama Jack Zinc Sunscreen Lotion SPF 50 Reef Safe? **Not everywhere.** Allowed in 8 of 9 places we track. [See why](#where) - Allowed: Hawaii - Allowed: Maui County - Allowed: Hawaiʻi County - Allowed: U.S. Virgin Islands - Not allowed: Palau - Allowed: Aruba - Allowed: Guam - Allowed: Northern Mariana Islands - Allowed: Thailand Mineral-only actives Panama Jack Zinc Sunscreen Lotion SPF 50 is allowed under the sunscreen laws of Hawaii statewide, Maui County, Hawaiʻi County (Big Island), the U.S. Virgin Islands, Aruba, Guam, the Northern Mariana Islands and Thailand's national parks, but not in Palau. It uses two mineral UV filters: titanium dioxide 4% and zinc oxide 4%. It is a broad-spectrum body sunscreen lotion made by Panama Jack and is water resistant for up to 80 minutes. SPF**50** Water resistance**80 min** Format**lotion** Type**body** Sizes: 1 fl oz (30 mL) Where Panama Jack Zinc Sunscreen Lotion SPF 50 is allowed | Location | Verdict | Why | | --- | --- | --- | | [Palau](https://reeflabel.com/locations/palau/) | Not allowed | Phenoxyethanol: banned by name. | | [Hawaii (statewide)](https://reeflabel.com/locations/hawaii-state/) | Allowed | No restricted ingredients found. | | [Maui County (Maui, Molokaʻi, Lānaʻi)](https://reeflabel.com/locations/maui-county/) | Allowed | No restricted ingredients found. | | [Hawaiʻi County (Big Island)](https://reeflabel.com/locations/hawaii-county/) | Allowed | No restricted ingredients found. | | [U.S. Virgin Islands](https://reeflabel.com/locations/us-virgin-islands/) | Allowed | No restricted ingredients found. | | [Aruba](https://reeflabel.com/locations/aruba/) | Allowed | No restricted ingredients found. | | [Guam](https://reeflabel.com/locations/guam/) | Allowed | No restricted ingredients found. | | [Northern Mariana Islands (CNMI)](https://reeflabel.com/locations/northern-mariana-islands/) | Allowed | No restricted ingredients found. | | [Thailand (all national parks)](https://reeflabel.com/locations/thailand-national-parks/) | Allowed | No restricted ingredients found. | Guidance and repealed rules (4)
Mexico: federal marine protected areas (e.g., Isla Mujeres, Punta Cancún & Punta Nizuc)Meets guidance
Bonaire (Bonaire National Marine Park)Meets guidance
U.S. National Parks with coral reefs (NPS guidance)Meets guidance
Key West, FloridaNo rule in force
Panama Jack Zinc Sunscreen Lotion SPF 50 active ingredients | Ingredient | Amount | Type | | --- | --- | --- | | [Titanium Dioxide](https://reeflabel.com/ingredients/titanium-dioxide/) | 4% | Mineral | | [Zinc Oxide](https://reeflabel.com/ingredients/zinc-oxide/) | 4% | Mineral | Panama Jack Zinc Sunscreen Lotion SPF 50 inactive ingredients Acrylates/C12-22 Alkyl Methacrylate Copolymer, Allantoin, Alumina, Aluminum Starch Octenylsuccinate, Camellia Oleifera (Green Tea) Leaf Extract, Cetyl PEG/PPG-10/1 Dimethicone, Cyclopentasiloxane, Dimethicone, Dimethicone Crosspolymer, Disodium EDTA, Disteardimonium Hectorite, Ethylhexylglycerin, Glycerin, Hexyl Laurate, Isotridecyl Isononanoate, PEG-10 Dimethicone, Pentylene Glycol, [Phenoxyethanol](https://reeflabel.com/ingredients/phenoxyethanol/), Polyglyceryl-4 Isostearate, Polymethylsilsesquioxane, Sodium Chloride, Stearic Acid, Tocopheryl Acetate, Trimethylsiloxysilicate, Water Highlighted ingredients are regulated somewhere; red ones are restricted in at least one location we track. Dotted ones are listed below. Fragrance allergens, essential oils and alcohol None of the 80 fragrance allergens on the EU list appear on this label, and it lists no fragrance, essential oil or drying alcohol. The EU requires these allergens to be named on cosmetic labels above 0.001% in leave-on products ([Regulation 1223/2009, Annex III](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02009R1223-20250501)). They can cause skin reactions in people who are sensitized; they don’t affect whether a sunscreen is legal anywhere we track. Note: panamajack.com prints no Drug Facts text, so the actives and inactive list were transcribed from the back-label image on the product page (https://cdn.shopify.com/s/files/1/0089/6221/1900/files/6050\_ZincSunscreen\_50SPF\_Pod\_PanamaJack\_ClearZinc\_DrugFacts\_1400x1400\_4f941a2b-7a28-4e12-b71e-c356caa05dd0.jpg). A 1 oz jar. The page address says SPF 30 but the title, jar and Drug Facts image say SPF 50. The label Directions misspell "swimmimg". Common questions about Panama Jack Zinc Sunscreen Lotion SPF 50 Is Panama Jack Zinc Sunscreen Lotion SPF 50 reef safe? “Reef safe” isn’t a regulated label claim, so we answer by law instead. It is allowed under the sunscreen laws of Hawaii statewide, Maui County, Hawaiʻi County (Big Island), the U.S. Virgin Islands, Aruba, Guam, the Northern Mariana Islands and Thailand's national parks, but not in Palau. Its only UV filters are minerals, which every law we track permits. Is Panama Jack Zinc Sunscreen Lotion SPF 50 legal in Hawaii? Under Hawaii’s statewide law (Act 104, which bans oxybenzone and octinoxate) it is allowed. In Maui County (Maui, Molokaʻi, Lānaʻi), which allows only mineral sunscreens, it is allowed. In Hawaiʻi County (the Big Island), which has a mineral-only rule for sales, it is allowed. Oʻahu and Kauaʻi have no county rule, so only the statewide law applies there. Where is Panama Jack Zinc Sunscreen Lotion SPF 50 not allowed? Palau: it contains phenoxyethanol, which is not allowed there. Does Panama Jack Zinc Sunscreen Lotion SPF 50 contain oxybenzone? No. It contains neither oxybenzone nor octinoxate, the two chemicals banned under Hawaii’s statewide law. Is Panama Jack Zinc Sunscreen Lotion SPF 50 a mineral or chemical sunscreen? Mineral. Its UV filters are titanium dioxide 4% and zinc oxide 4%. Is the zinc oxide in Panama Jack Zinc Sunscreen Lotion SPF 50 non-nano? Its Drug Facts ingredient list doesn’t state particle size, and US labels aren’t required to. Many brands make non-nano claims elsewhere on the pack or website. No sunscreen law we track regulates nano particles. Is Panama Jack Zinc Sunscreen Lotion SPF 50 water resistant? Yes, for up to 80 minutes of swimming or sweating, according to its label. Reapply after 80 minutes in the water, immediately after towel drying, and at least every 2 hours. Source Ingredients transcribed from [panamajack.com](https://panamajack.com/products/clear-zinc-oxide-sunscreen-lotion-spf-30-6230) on September 25, 2026. Formulas change. The label on the bottle you buy is the final word. Check another label Paste any ingredient list into the checker for an instant verdict. [Check if a sunscreen is reef safe](https://reeflabel.com/checker/) Cite this page Reef Label. “Panama Jack Zinc Sunscreen Lotion SPF 50.” Accessed September 23, 2026. https://reeflabel.com/products/panama-jack-zinc-sunscreen-lotion-spf-50/ Alternatives to Panama Jack Zinc Sunscreen Lotion SPF 50 for Palau Mineral sunscreens from other brands, allowed in that place, ranked by label: water resistance, SPF 30–50, broad spectrum, no listed fragrance. 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