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The Cuba Travel Insurance & Medical Cover Guide

Since 2010 the Cuban government has required that tourists and visitors obtain medical travel insurance before being allowed entry to the country.  If you are traveling to Cuba you need to take out travel insurance for that reason alone, let alone all the other reasons for taking out travel insurance.  As of 2021, it’s also been a requirement that your Cuban travel insurance provides coverage for Covid-19. In this article, we’ll cover the reasons for Cuba Travel Insurance and some of the risks of traveling to Cuba to consider before you buy your health insurance for Cuba.

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Travel Insurance for Cuba

Visitor’s Coverage provides medical and travel insurance for Cuba – for Americans and for international visitors.

Why Do You Need Travel Insurance for Cuba?

There are a variety of reasons why you should take out travel insurance before visiting Cuba, and for ensuring that you have proof of your Cuban travel insurance when you arrive in the country. There are limited options of companies that provide insurance cover for Cuba and any annual policies that you have *may* not cover Cuba automatically. Here are two options for travel insurance for Cuba

1. Visitors Coverage – get a price for Cuba travel insurance here

2. Civitatis insurance – get a price for travel insurance for Cuba here.

The Cuban Government Require Proof of Medical Insurance

Since May 2010 the Cuban government has required that all foreign visitors purchase travel health insurance.   This rule applies to Cuban living abroad as well as foreign tourists.  The reason for this is to ensure that those holidaying on the island nation have adequate medical coverage before arriving in Cuba.  If you are ill and need medical assistance while you are visiting Cuba, then Cuban authorities will delay your return home until you have paid your outstanding medical bills.

You may be asked for proof of your Cuban travel and health insurance at immigration when arriving in Cuba.    If you do not have this you will have to buy health insurance from the local provider, or you will be denied entry to Cuba. There is a local provider in the immigration area at Havana airport.

You can read more here about what to expect on arrival in Cuba. The other item you’ll need to enter Cuba is a Cuban Tourist Card – read here about how to get a Tourist Card for Cuba.

Why Wait? Get a quote for medical insurance in Cuba NOW from Visitors Coverage

Or the Civitatis travel insurance option is here.

The Cuban Government Requires that Travel Insurance provides Covid-19 coverage

It is a requirement of entry to Cuba that your medical insurance for your trip to Cuba also covers Covid-19 coverage. If you test positive for Coronavirus while in Cuba you will be taken to a hospital or medical center and must pay for your treatment and any medications on your discharge. This is likely to be around US$200 a day. Get a quote for medical insurance that includes Covid-19 coverage for Cuba here. Or the Civitatis travel insurance option is here.

Not all companies will cover US Citizens to travel to Cuba, check with your provider.

Get a quote for Cuba Travel and Medical Insurance here.

Read about restrictions related to Covid-19 and traveling to Cuba here.

Avoid Unforeseen Costs with Cuba Travel Insurance

If your funds are unlimited then you might not take out travel insurance, however, the avoidance of unforeseen costs is why we all buy travel insurance.  It means we have the peace of mind that if something goes wrong, and there are additional costs to bear – like an emergency flight home or medical costs, or your luggage gets lost or stolen – that it’s covered and you don’t have to pay the cost yourself.

Serious Crime is low, but Robbery Can Occur

Serious crime and levels of robbery are very low when they do occur it tends to be opportunistic.  It’s necessary, always, to be aware of your surroundings and protect valuables.  We always travel with a portable safe and secure our valuables in it in the room when we leave. Here’s our guide to the best portable travel safes for Cuba.

Best Portable Travel Safe for Cuba

This fabulous portable travel safe is big enough for laptops, phones, cameras, and a whole lot more. It packs flat and secures to just about anything!

Our 12-litre Pacsafe can fit two laptops, two kindles and a camera, passports and money in it.  We locked our valuables inside it when snorkeled and dived from beaches in Cuba (and padlocked it to a tree!) and also left it in our rooms in our Casa Particulars too.

Cuba is primarily a cash-based society

Cuba is primarily a cash-based society, ATMs do not always work for every traveler’s debit and cash cards, so tourists tend to travel with more cash than in other countries.  (Read our guide to Cuban currency here .) The potential for petty theft and pickpocketing is higher because of this.  Ensure that your case is safely locked away (use  something like the Pacsafe  for this).

Safe Drinking Water isn’t always available

The general rule in Cuba is that you should avoid drinking tap water in Cuba.   While the local population may drink tap water, your stomach might not be as resilient.    Tap water in Cuba is treated with chlorine to kill bacteria, so it also usually tastes a little bit like swimming pool water. Our guide to drinking water in Cuba is here

Best Filter Water Bottle For Cuba

The Lifestraw Go Water Filter Bottle has a 22-ounce capacity, it has a two-stage carbon filter that lasts for 100 liters of water and a membrane microfilter that lasts up to 4,000 liters of water.  The bottle itself is reusable, extremely durable, and BPA-free.  

This is the best filter water bottle for Cuba

In many parts of Cuba, it is possible to buy bottled water, if it’s available.  However, we recommend using a  filter water bottle  – which will save the environment and your money.   It’s much safer than ending up with traveler’s diarrhoea and ruining your holiday!

Cuba has a high risk of dengue fever and the Zika virus

You should take steps to avoid being bitten by mosquitoes as Cuba is classified as having a risk of dengue fever and the Zika virus.    While Havana’s health facilities are better than other areas of Cuba if you need to be evacuated for medical reasons then a hospital stay can cost US$200 a day.

Best Bug Spray For Cuba

Effective bug spray deters mosquitoes, gnats, and ticks. This pump spray is good for protecting you against bugs and contains 40% DEET.

A good Cuba health insurance policy will protect you from this cost. With proof of medical insurance, Cuban authorities may also bill your insurance company directly.

Road Conditions in Cuba Can be Dire

Road conditions in parts of Cuba can  be pretty dire .  While there are occasional weather situations that affect this, like hurricanes, for instance, the primary reason for poor road conditions is the lack of maintenance.

In 2019 there were 29 traffic accidents per day in the first 3 months of 2019.

The main roads in Havana are generally well maintained, but smaller streets tend not to be.  There’s a lack of road lighting at night and lights on vehicles aren’t always what you’ve come to expect at home.    Add to that, Cuban cars tend to be very old and often in poor condition without 21 st -century safety equipment.

You’ll also find many pedestrians, farm equipment, bicycles, and horse-drawn vehicles on more rural roads – as well as areas that are unfenced and where livestock roams free.

Now you might not be renting a car (it’s quite unusual in Cuba to rent cars), but it’s likely you’ll be using transport to get around – so a car and driver or a Viazul Bus and so you will be using the roads! Read more about Cuban transport options here.

Adventure Activities Are Higher Risk

Do you plan on hiking, diving, horse-riding, or biking when you visit Cuba?  These activities come with higher risks of injuries than sitting on the beach.

Flight Delays and Cancellations are possible

Hurricane season in Cuba runs from June until November, which can mean flash floods and landslides as well as the hurricane itself.  If you’re caught in a Cuban hurricane, then you can expect the loss of power, communications, and water.  Flights are likely to be delayed or canceled.

The Risks of Traveling to Cuba

The risks of traveling to Cuba are no different from other countries and islands in the Caribbean area.  Depending on the time of year that you travel hurricanes could be an issue, but the risks of Cuban travel include, but are not limited to

• Health – dengue fever and the Zika virus are present
• Lack of safe drinking water
• Poor road conditions
• Flight cancellations and delays
• Adventure activities carry risks – like diving
• Cash society means more likelihood of opportunistic pickpocketing

Why do you need travel insurance for Cuba?

Some people never buy travel insurance and it is possible to anywhere without travel insurance, mostly, if you so choose.  Apart from Cuba, where the government mandates that you must have health insurance before entering the country.  You may be lucky, and you may not be asked to provide evidence of your travel insurance, but if you are asked and you don’t have it, then you’ll either have to buy it on the spot at the rates quoted, or you’ll be denied entry.

Travel insurance is there for you to pay for the unknown.  The cost of hospital and doctor’s bills if you get sick, replacement items if your gear gets stolen, the cost of flying you home if you need to be repatriated, or if events with family members mean that you need to return home.

Get a quote for Cuba Travel Insurance here from Visitors Coverage. Or the Civitatis travel insurance option is here.

Do you need special travel insurance for Cuba?

Yes.  Medical insurance for Cuba is required to enter the country.  Cuba is usually included in the group of countries that include the USA and the Caribbean, which attract higher insurance premiums, usually due to either the higher cost of medical assistance or the difficulties of providing more advanced medical support in smaller communities.

It’s extremely important to check the small print of your policy to ensure that your policy covers you for, for instance, diving if you plan to dive.

What do you need to take into account when buying Travel Insurance for Cuba?

There are several things you need to take into consideration when buying travel insurance for Cuba.  We’ve detailed these below.

The activities you plan to undertake

Cuba is a unique location to visit.  You won’t necessarily find all the adventure sports and activities that you would in other Caribbean locations – but you will find boat trips, diving, snorkeling, bicycling, rock climbing, and horse riding.

If you plan to undertake any of these activities, then you need to ensure that it’s covered by your insurance.

Where you are when you take out the insurance policy

Most travel and health insurance companies only provide insurance if you are leaving on your trip from your home address.  Other require that you have been resident in that country for six months or more, and you will likely also have to be registered with a local doctor.

We found this out when we started our travels in 2014 – have returned from 4 years working in the USA, we were not registered with a doctor and had been in the country 6 days not 6 months! 

So if you’re already on the road or find yourself living a nomadic lifestyle I really recommend that you take a look at providers who can cover that for your holiday insurance for Cuba. You can get a quote for Cuba Medical Insurance from Visitor Coverage here.

Your age and the age of travelers on the same policy

If you’re 55 or old, then you’ll need to review your travel insurance provider.  Many companies change their policies at this age and you need to ensure that you’re covered. 

Pre-existing medical conditions

If you live with and are traveling with existing medical conditions then you’ll need to declare them, otherwise, if something happens related o that condition while you’re in Cuba then your insurance won’t cover it.  It’s also worth checking to see if you need to declare if you’re had surgery in the last 12 months, regardless of what that surgery was before you buy your travel insurance policy.

FAQS on Cuba Travel Insurance

Got questions about travel and medical insurance for Cuba? Or want to know more about Cuban medical insurance and we haven’t answered your questions?  Check out our frequently asked questions about travel insurance for Cuba below, or ask us yours in the comments.

What about Medical Insurance for Americans traveling to Cuba?

Note that if you’re a US citizen then many insurance providers will not provide cover for Cuba. Your AIRLINE ticket may cover you – please check – and retain your boarding pass for proof of coverage. Your existing health coverage may also cover you, but again, please check. There is an Asistur office at Havana airport arrivals that can sell you the insurance for around US$4.50 a day for US citizens. Get a quote for Cuba Travel Insurance here from Visitors Coverage. Or the Civitatis travel insurance option is here.

Is medical insurance for Cuba mandatory?

Yes.  Travel insurance for Cuba must contain a medical insurance element.  You may be denied entrance to Cuba if you’re unable to provide proof of your medical insurance.

What travel insurance do I need for Cuba?

It is the medical element of travel insurance that is required for entry to Cuba. Get a quote for Medical Insurance for Cuba here. Or the Civitatis travel insurance option is here.

What happens if I don’t have medical travel insurance when I arrive in Cuba?

If you arrive in Cuba without travel health insurance or with an invalid policy then you can buy a policy at the airport where you enter Cuba.  Cuba travel health insurance that you buy at the airport is unlikely to be as comprehensive as the policy that you buy before entering the country.  If you have medical bills while you are in Cuba you will NOT be allowed to leave the country until they are settled.

ESSENTIAL TIPS FOR EXPLORING CUBA INDEPENDENTLY

These are the resources and booking sites that we use when traveling to Cuba.

Get a Cuba Travel and Medical Insurance Quote from Visitors Coverage here – Alternatively, Civitatis Insurance is a great option for the required insurance for Cuba. You will need a Cuba Tourist Card to enter Cuba – some airlines include these, if yours doesn’t, buy one from EasyTouristCard – now valid for 90 days. Book your Viazul Bus tickets here Pre-book and prepay shared & private shuttles here Book the best FREE Walking Tours in Cuba Reserve attractions, day trips, and activities in Cuba here Get online in Cuba EASILY with a Cuba eSIM – read about Cuba ESIMS here , or buy a Cuba eSIM here .

Download and install a VPN BEFORE you travel to Cuba > discount coupon here Book Accommodation in Cuba’s Casa Particular here

Final words on Cuba Travel Insurance

We have had no issues traveling to Cuba.  Our travels have taken us from Havana to Baracoa in the far west of the country.  We took many buses, we hiked, we scuba dived, we snorkeled.  We stayed in Casa Particulars, ate street food, drank some great Cuban cocktails, and thoroughly enjoyed ourselves in Cuba.  We have traveled on endless Viazul buses, we took taxis and colectivos that ran out of fuel and spewed fumes into the car.  We did, however, have a comprehensive insurance policy – and learned from other trips where we have had to claim on our insurance that it is well worth it!

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Sarah Carter

One thought on “ the cuba travel insurance & medical cover guide ”.

• 1 Comment

Thank you for this content. Very well written and helpful. Cheers from Brazil.

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Travel Insurance for Cuba: An Expert’s Guide for Travelers [2024]

Did you know that ALL visitors to Cuba must have proof of comprehensive insurance coverage to enter the country? It’s an entry requirement for Cuba that takes many travelers by surprise – ut with a basic understanding of Cuba travel insurance requirements, it can be easy to avoid any unexpected issues.

As locals and travel guides, we’ve navigated Cuba travel insurance requirements for years and consider ourselves experts on the latest in travel insurance plans for Cuba. Read on for the easiest (and least expensive!) way to find the travel insurance Cuba requires, plus the select few options for medical insurance to Cuba for US citizens.

This post contains affiliate links that may reward me monetarily or otherwise when you use them to make qualifying purchases – at no cost to you. As an Amazon Associate, I earn from qualifying purchases. For more information, please read our  disclosure policy .

Travel Insurance for Cuba

Since 2010, proof of insurance coverage has been an entry require ment for all travelers to Cuba . If you a planning a trip to Cuba, you must make sure that you have insurance coverage for the duration of your trip.

Cuban entry requirements do not specify that you need travel insurance for Cuba—they simply require that travelers have comprehensive medical insurance coverage for Cuba. However, in almost every case, the only way to obtain comprehensive medical coverage in Cuba is through a travel insurance plan that covers medical expenses from applicable companies like Visitors Coverage or Insubuy .

Even if you have private health insurance at home, you can not assume that your home health insurance covers you in Cuba – it is very rare that domestic healthcare plans cover international travel, and even less common that they function as Cuban health insurance.

Cuba Travel 101

• Currency in Cuba: A Local’s Guide for Travelers
• How to Get Wifi in Cuba [Updated!]
• Is Cuba Safe? Updated Cuba Safety Guide
• Ultimate Cuba Travel Guide – A Local’s Advice for Travelers

Cuba Travel Insurance Coverage

Cuba does not maintain a list of accepted companies to meet their insurance, so make sure that your insurance plan shows that it covers you while in Cuba. There are very few travel insurance companies that cover travel to Cuba, unfortunately. These are the companies that we recommend:

• Visitors Coverage offers coverage for Cuba travel that is available to citizens of all countries. However, it is not currently available to residents of New York and Maryland in the United States.
• Insubuy offers coverage for Cuba travel available to citizens of all countries and states of the United States.

There are no specific requirements for types of documents that demonstrate proof of health coverage – a copy of your policy should be more than enough . There is also no specific coverage amount required for admission – as long as your policy covers medical and health expenses in Cuba, it is acceptable.

Proof of Insurance Coverage in Cuba

Travelers must have proof of insurance for Cuba when arriving in the country and should be prepared to show proof of their travel insurance policy when passing through immigration. (a hard copy or a digital copy of your plan is fine – but make sure it’s downloaded before you land !).

Immigration is not always consistent in asking visitors to present this information – I am occasionally asked for proof of health insurance for Cuba when entering Cuba, but other times it isn’t mentioned!

Regardless, you shouldn’t take a chance and arrive in Cuba without a Cuban health insurance plan that covers you, and proof of coverage. If you arrive without it, you will be forced to purchase a local policy at whatever the cost or you could be denied admission to Cuba.

What to Pack for Cuba

Check out our  Ultimate Cuba Packing List   to help you pack for your trip – we’re sharing exactly what to bring to Cuba and what we never travel without.

Best Cuba Travel Insurance Companies

Unfortunately, very few travel insurance companies cover travel to Cuba due to the decades-long embargo imposed on Cuba by the United States. Because of this, your go-to travel insurance provider or blanket travel insurance plans are not likely to cover your trip.

While these limitations impact all travelers, they impact travelers from the United States more than anyone else – even fewer travel insurance companies cover U.S. travelers in Cuba. Regardless of your nationality, these are some of the different companies that we recommend for travel insurance for Cuba:

Visitors Coverage

Visitors Coverage is a fantastic company with nearly 20 years of experience. Not only do they offer a variety of plans for covering your trip to Cuba, but their website is extremely user-friendly! You can get quotes in just a few minutes – it’s a breeze.

For most travelers headed to Cuba, we recommend checking Visitors Coverage travel insurance first. Visitors Coverage offers flexible and affordable travel insurance policies that cover all travelers – even travelers from the United States! – and go above and beyond the requirements for entering the country.

Note to travelers: Visitors Coverage currently does not cover travelers from the United States that are residents of New York or Maryland. Residents of other states from the U.S. are able to purchase coverage for travel to Cuba.

Insubuy is one of the few companies that provides Cuba travel insurance to travelers of all nationalities – the United States included – and doesn’t have any restrictions on travelers from different states.

Like Visitors Coverage, Insubuy offers an easy-to-use platform and helpful customer service, as well as highly competitive rates. It’s long been one of our top recommendations for travelers headed to Cuba.

Guides to Entry Requirements for Cuba

• Entry Requirements to Cuba: An Ultimate Guide
• Travelers Form for Cuba: What It Is and Where To Find It
• Cuba’s Required Tourist Visa: What It Is and How To Get It
• Travel Insurance for Cuba: Requirements and Approved Companies

Healthcare in Cuba for Tourists

Healthcare in Cuba is considered quite good, and it is readily available to all. Cuba is increasingly becoming a destination for healthcare “tourism” for those from other countries looking for more affordable yet quality procedures.

Healthcare is provided free of charge to all Cubans – but is not freely provided for foreigners. Use of most local clinics and hospitals is restricted to Cubans, meaning that tourists traveling to Cuba who happen to need medical attention during their stay are limited in where they can seek treatment.

In Havana, most foreigners seeking medical care are attended at these locations:

• Clínica Central Cira Garcia in the Miramar neighborhood
• Hospital Hermanos Ameijeiras in the Havana neighborhood of Centro Habana, right along the Malecón sea wall.

Many larger hotels and resorts provide services of doctors who can make visits to their guests or will be able to point to medical care should you need it. Travel insurance Cuba plans, including those from Visitors Coverage and Insubuy , will generally cover this even if you don’t have to leave your hotel!

Plus, even if you’re staying in a rental apartment, the host should always be able to direct you to assistance.

More Cuba Travel Guides

• 25+ Best Things To Do in Cuba
• 10 Best Cities in Cuba for Travelers
• 20 Best Places to Visit in Cuba

While Cuba doesn’t specifically require a travel insurance policy (rather than other medical insurance policies), choosing a travel insurance policy that covers health and medical expenses in case of an emergency while traveling is the best way to meet health insurance requirements.

These travel insurance for Cuba policies provide you with the coverage you need and more. Travel insurance policies also give you additional protection that can make or break your trip. Most policies include reimbursement for canceled or delayed trips, covering things like stolen travel gear in case of a robbery, and much more.

Carley Rojas Avila

Carley Rojas Avila is a bilingual travel writer, editor, content marketer, and the founder of the digital travel publications Home to Havana and Explorers Away. She is a serial expat and traveler, having visited 40+ countries and counting. Carley has written for publications like Travel + Leisure, MSN, Associated Press, Weather Channel, Wealth of Geeks, and more. Find her front row at a Bad Bunny concert, befriending street cats, and taste-testing every pizza in Havana.

Cuba Travel Insurance: The 5 Ways to Get It in 2023

No one wants to think about needing travel insurance for Cuba. It’s true, travel insurance may seem like an added expense and an extra worry, especially considering that Cuba is a very safe country to visit.

However, travel medical insurance is an entry requirement imposed by the Cuban government. So, you must present proof of travel health insurance upon arrival on the island. 

Besides, unexpected events, such as illness, injury, or accident, can occur during your trip to the island. Think about it for a minute. For example, the most common health risks for tourists in Cuba are mosquito-borne illnesses , food poisoning and unsafe drinking water , sun exposure at the beach , Covid-19, and traffic accidents (especially if renting a car ). 

This article will provide detailed information about getting travel insurance for Cuba. We also review the best options to purchase Cuba travel insurance and the caveat to consider for US and Canadian travelers. 

Our goal is to help ensure your Cuban adventure is memorable and safe.

Do You Need Travel Insurance to Go to Cuba?

Since May 1, 2010, the Cuban government has required all visitors to Cuba to bring proof of travel insurance covering medical expenses on the island. Specifically, your health insurance policy must cover emergency medical treatment, hospitalization, and repatriation. 

Another fact you must know about Cuba is that the authorities require travelers to settle any outstanding medical bills before leaving the country. If you have unpaid medical expenses, you must stay in the country until your debts are paid.

Types of Cuba Travel Insurance

There are two broad travel insurance policies for Cuba: travel health insurance, and trip or travel protection. 

Many travel insurance companies bundle these policies into “travel insurance packages” or a “comprehensive travel insurance plan”. However, only the medical portion of your insurance policy is required to visit Cuba. 

Most insurance policies will cover Covid-19 testing, treatment, and protocols that are part of the Cuba travel restrictions amid the pandemic. 

Please, review the details of your travel insurance policy before purchasing to understand what is covered and what is not.

Required: Travel Health Insurance

Travel health insurance for Cuba covers medical and health-related expenses that may occur during your trip, including:

• Emergency medical treatment: the cost of medical treatment for unexpected illnesses or injuries on the island.
• Hospitalization: the cost of hospital stays, surgeries, and other medical procedures in Cuba.
• Emergency evacuation: the cost of transporting you to a hospital or back home in a medical emergency.
• Repatriation of remains: the cost of returning your body to your home country in the event of death.
• Prescription medication: the cost of necessary prescription medications.
• Dental treatment: the cost of emergency dental treatment.

Remember that some policies may have exclusions, such as pre-existing conditions or adventure sports. 

Optional: Trip Protection Coverage

Trip protection insurance usually covers non-medical expenses such as:

• Trip cancellation or interruption: the cost of trip cancellation or interruption due to unexpected events such as illness, natural disasters, or the death of a loved one.
• Trip delay: the cost of unexpected expenses, such as meals and lodging, in the event of a travel delay.
• Delayed or lost baggage: the cost of lost, damaged, or stolen baggage and personal items.

The coverage you need will depend on your specific travel needs and risks. However, the Cuban government does not require trip protection insurance. 

Before getting into the options to purchase Cuba travel insurance, let’s review the basics of getting travel insurance for Cuba if you are traveling from the US or Canada. 

Travel Insurance for Cuba from the US

Due to the US embargo, the options for getting travel insurance for US citizens traveling to Cuba are limited. They include:

• Non-US travel insurance companies
• Airlines (included in the flight ticket in most cases)

Further below, we will get into the details of each option.

Travel Insurance for Cuba from Canada

Canadians traveling to Cuba can purchase Cuba travel insurance from a wider variety of sources, including: 

• Travel agencies
• Non-US credit cards

Consider that Canadian provincial health insurance plans won’t include direct payments to medical facilities in Cuba or medical evacuation. They will be insufficient to meet the required medical coverage on the island.

As a Canadian, you should get the best travel health insurance you can afford for Cuba, including coverage for medical treatments, hospital stays, and medical repatriation. 

Where to Buy Travel Insurance for Cuba?

You can purchase travel insurance for Cuba from several providers, including travel insurance companies, travel agencies, airlines, credit cards, and the Cuban insurance company Asistur. 

1. Travel Insurance Companies

Some online and offline insurance companies offer Cuba travel insurance. 

We went ahead and requested quotes from the top travel insurance providers to find you the better deal. Because most of our readers are from the US and Canada, we searched for Cuba travel insurance available for visitors from both countries.

Specifically, we gathered travel insurance quotes for a young couple traveling for one week to Cuba who planned to spend about 3,000 USD (the typical trip to Cuba cost ). 

Travel Insurance Companies for Americans Traveling to Cuba

Travel insurance policies issued by US companies are not generally accepted in Cuba. For example, as of January 2023, these popular travel insurance providers in the US won’t offer coverage for people traveling to Cuba:

• Travel Guard
• World Nomads
• Seven Corners

However, a few travel insurance companies claim to offer insurance policies accepted in Cuba to US travelers, including:

• Trawick International
• Travel Insured International

The below table summarizes the insurance plans they offer and the starting price for a $3,000 seven-day trip to Cuba for two young people. 

*Prices are per week per couple. They have been rounded out and are subject to change at any time.

Note : Even though we did our best to find the best travel insurance for Cuba, we cannot guarantee that policies from these companies will be accepted on the island. Ultimately, the Cuban immigration authorities will decide whether your travel insurance policy is acceptable. 

Therefore, you should contact your favorite travel insurance company directly to confirm that their policies are recognized in the country. 

Travel Insurance Companies for Canadians Traveling to Cuba

As a Canadian, you can purchase travel insurance for Cuba from a few trusted providers, including:

• RBC Insurance

The table below shows the type of insurance plan and associated cost for a young couple on a $3,000 seven-day trip to Cuba.

Consider your specific needs and compare policies from the providers above to find the best coverage at the best price. Once again, remember that only travel health insurance is required to enter Cuba. However, it may not cover all your needs. 

2. Travel Agencies

Some travel agencies offer travel insurance for Cuba as part of a package deal, making it easy to purchase insurance while booking your trip. They include online travel agencies or search engines such as Kayak and Expedia. 

You can get travel insurance for Cuba directly from these websites, either at the time of booking or as a separate transaction.

3. Airlines

If you are traveling from the US, in most cases, airlines will include your travel health insurance for Cuba in your ticket price. If not, you can purchase it from them. For example, United Airlines and American Airlines offer Cuba travel insurance for 25 USD per person. This policy is provided by ESICUBA and is valid for 30 days. 

If you are flying from Canada or any other country, airlines generally offer Cuba travel insurance as an add-on after booking a flight. The coverage may include medical treatment, trip cancellation or interruption, baggage loss, and other travel-related risks.

However, Cuba travel insurance offered by airlines may not be the most comprehensive or cost-effective option. It may also have limitations and exclusions. 

4. Non-US Credit Cards

Some credit cards offer travel insurance as a benefit to cardholders, including coverage for trip cancellation and interruption, medical emergencies and evacuation, baggage loss, and even dental benefits.

However, always check the terms and conditions of your credit card, especially if issued by US banks. That’s because US credit cards are not accepted in Cuba . Contact the card issuer directly to verify whether your benefits are applicable on the island. 

If your insurance policy is not accepted in Cuba, or you just landed on the island without travel medical insurance, you will have to purchase it from Asistur . 

Asistur is a Cuban insurance broker that offers travel insurance policies from local providers ESICUBA and ESEN . They provide coverage for medical expenses, including emergency medical treatment, hospitalization, and repatriation. Some policies include travel protection coverage, such as baggage loss and delay, documentation management, and others. 

The insurance policies from Asistur have multiple tiers, and prices start at 1 USD per traveler per day. If you plan to do high-risk physician activities or are 70 years or older, you must pay an additional 3 USD per day. Therefore, the cheapest option for our young couple traveling to Cuba would be 16 USD for the entire week. 

You can purchase Cuban insurance policies on Cuba.Travel , a Cuban government’s website. 

As a local provider, Asistur may be a good option for travelers who want to ensure that their insurance is recognized in Cuba. It’s also the only choice to purchase insurance upon arrival at Havana Airport . However, coverage may be limited and dealing with claims may become a hassle. 

The Best Travel Insurance for Cuba

If your Cuba travel insurance is not bundled into your flight ticket, we recommend purchasing it from Insubuy because:

• It is the least expensive option.
• Their insurance plans claim to be accepted in Cuba .
• You can get a hassle-free online quote. 
• It allows you to make side-by-side comparisons between multiple providers. 
• You can purchase your insurance plan instantly.
• You can buy either travel health insurance, comprehensive travel insurance, or both.
• They have an Excellent rating in TrustPilot . 

That said, it’s always a good idea to compare policies from multiple providers to find the best coverage for your specific needs and budget.

How Much is Travel Insurance to Cuba?

Travel insurance in Cuba starts at 16 USD per couple per week, but it can cost as much as 244 USD. The final cost will depend on your trip duration, the number and age of travelers, the type of insurance policy, and your insurance provider. 

Protect Your Cuba Vacation

Travel health insurance is legally required for travel to Cuba. Along with the Cuba Tourist Visa , it’s one of the most important things to bring to your Cuba vacation .

Besides being an entry requirement, having travel insurance can help provide financial protection in medical emergencies and other travel-related risks. Although Cuba is generally safe, you are not exempt from these risks. Better safe than sorry!

Remember, you only need the medical portion of your travel insurance to enter the island. You can get it from multiple sources, including non-US insurance companies, airlines, travel agencies, credit cards, and the Cuban broker Asistur. We suggest purchasing it from Insubuy, the cheapest and most convenient travel insurance provider for Cuba.

Are we missing options to get medical coverage for your trip to Cuba? What insurance companies or facts did we overlook? Let us know in the comments below!

Essential Travel Logistics For Cuba

Cuban Tourist Card –  If your  Cuban Tourist Card (a.k.a Cuban Tourist Visa)  isn’t bundled into your airline ticket or travel package, buy it only through  EasyTouristCard . 

Travel Health Insurance –  Travel medical insurance is an entry requirement for Cuba, so you can’t skip it. Travelers can get travel health insurance for Cuba via  Insubuy . Travel protection benefits such as trip interruption and cancellation, baggage delay insurance, etc., are not required.

Essential Items to Pack –  Bring the essential travel necessities that you may not be able to get in Cuba:

• First aid kit
• Hand sanitizer
• Water bottle with filter
• Mosquito repellent
• Pin adapter (for Europeans)
• Travel guide
• Spanish-English phrasebook
• Suggested Reading: The Cubans: Ordinary Lives in Extraordinary Times

Read our complete packing list for Cuba .

Find Accommodations –  Find hotels or casas particulares (private accommodations) on Skyscanner , which lists thousands of accommodations available in Cuba.

Book Your Flight –  Book cheap flights to Cuba on Skyscanner , our favorite flight search engine to find deals on flights to Cuba.

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About the Author

Tour republic.

Tour Republic is a marketplace where you can discover, book, and review the very best experiences Cuba has to offer. We are a team of tourism professionals and journalists who have partnered with Cuban entrepreneurs to provide travel experiences that can transform your trip into a life-changing adventure. We also share our profound love for Cuba through in-depth travel guides, myth-busting articles, and captivating narratives. Whether you want to explore Cuba's wonders or understand its intricacies, our blog posts are your gateway to the heart of this extraordinary country.

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• Travel Destinations

What Travel Insurance Do I Need For Cuba

Published: December 18, 2023

Modified: December 28, 2023

by Anya Drew

• Safety & Insurance
• Travel Guide

Introduction

Cuba, with its vibrant culture, rich history, and breathtaking landscapes, has become an increasingly popular travel destination for adventurers and leisure seekers alike. As you plan your trip to this captivating island, it's essential to consider various aspects of your travel arrangements, including the often overlooked yet crucial element of travel insurance.

In this comprehensive guide, we will delve into the intricacies of obtaining the right travel insurance for your Cuban adventure. From understanding Cuba's healthcare system to exploring the types of travel insurance available and the key considerations for selecting the most suitable coverage, this article aims to equip you with the knowledge and confidence to make informed decisions about your travel insurance needs for Cuba.

Whether you're envisioning exploring the cobblestone streets of Old Havana, immersing yourself in the rhythm of Afro-Cuban beats, or basking in the sun on the pristine beaches of Varadero, ensuring that you have the appropriate travel insurance will provide peace of mind and essential support in unforeseen circumstances. Let's embark on this journey to unravel the intricacies of travel insurance for Cuba, ensuring that your adventure is not only memorable but also stress-free.

Understanding Cuba’s Healthcare System

Before delving into the specifics of travel insurance for your Cuban excursion, it’s imperative to grasp the nuances of Cuba’s healthcare system. Cuba boasts a renowned healthcare system that is accessible to both locals and visitors. The country takes pride in its universal healthcare coverage, which is provided to all Cuban citizens and residents.

Cuba’s healthcare system is primarily operated by the government, with an extensive network of hospitals, clinics, and healthcare facilities spread across the island. The emphasis on preventive care and public health initiatives has contributed to Cuba’s notable healthcare outcomes, despite economic challenges.

For travelers, it’s essential to be aware of the healthcare landscape in Cuba. While major cities such as Havana feature well-equipped medical facilities, rural areas may have limited access to advanced medical care. Language barriers and differing healthcare practices may also pose challenges for international visitors seeking medical assistance.

Understanding the strengths and potential limitations of Cuba’s healthcare system underscores the importance of securing comprehensive travel insurance before embarking on your journey. While Cuba offers medical services to tourists for a fee, having travel insurance ensures that you can access quality healthcare without financial concerns in the event of illness or injury during your visit.

By familiarizing yourself with Cuba’s healthcare infrastructure and the implications for travelers, you can make informed decisions when selecting the most suitable travel insurance coverage for your trip. Now that we’ve gained insight into Cuba’s healthcare system, let’s explore the types of travel insurance tailored to meet your specific needs in this captivating destination.

Types of Travel Insurance for Cuba

When considering travel insurance for your Cuban adventure, it’s essential to explore the various types of coverage available to ensure comprehensive protection throughout your trip. Here are the key types of travel insurance to consider:

• Medical Insurance: This type of travel insurance provides coverage for medical expenses, including emergency medical treatment, hospitalization, and medication. Given the importance of accessing quality healthcare during your travels, especially in a foreign country like Cuba, medical insurance offers peace of mind and financial security in unforeseen medical situations.
• Emergency Evacuation Insurance: In the event of a serious illness or injury that requires specialized medical care not available locally, emergency evacuation insurance covers the costs associated with medical transport to the nearest appropriate medical facility or repatriation to your home country for further treatment.
• Trip Cancellation Insurance: This type of insurance safeguards your financial investment in the trip by providing reimbursement for non-refundable trip expenses if you need to cancel or interrupt your journey due to covered reasons, such as illness, injury, or unforeseen circumstances.
• Baggage and Personal Belongings Insurance: Protecting your belongings during travel is vital, and this insurance offers coverage for lost, stolen, or damaged luggage and personal items, providing financial compensation to replace essential belongings.
• Travel Delay Insurance: In the event of unexpected travel delays, such as flight cancellations or disruptions, this insurance provides coverage for additional expenses incurred, such as accommodation, meals, and alternative transportation arrangements.

Each type of travel insurance serves a specific purpose in safeguarding your well-being and financial interests during your Cuban journey. By carefully assessing your individual needs and considering the potential risks, you can select the most suitable combination of insurance coverage to ensure a worry-free and fulfilling travel experience in Cuba.

Key Considerations for Choosing Travel Insurance

When navigating the myriad of travel insurance options for your Cuban excursion, it’s crucial to consider several key factors to ensure that your chosen coverage aligns with your specific needs and provides comprehensive protection. Here are essential considerations to guide your decision-making process:

• Comprehensive Medical Coverage: Given the importance of access to quality healthcare during international travel, prioritize travel insurance plans that offer extensive medical coverage, including emergency medical treatment, hospitalization, and medical evacuation if needed.
• Coverage for Pre-Existing Conditions: If you have pre-existing medical conditions, seek travel insurance that provides adequate coverage for related medical care and potential exacerbations during your trip to Cuba.
• Destination-Specific Coverage: Ensure that your travel insurance is tailored to the unique aspects of traveling in Cuba, considering factors such as medical facilities available, language barriers, and potential travel disruptions specific to the country.
• Adventure Activities Coverage: If you plan to engage in adventurous activities such as hiking, snorkeling, or diving in Cuba, verify that your insurance includes coverage for potential injuries or emergencies related to these activities.
• 24/7 Emergency Assistance: Opt for travel insurance that provides round-the-clock emergency assistance services, including access to multilingual support and coordination of medical care in Cuba.
• Policy Exclusions and Limitations: Thoroughly review the policy’s exclusions and limitations to understand the scope of coverage, ensuring that it aligns with your anticipated activities and potential risks during your Cuban travels.
• Reputation and Claims Process: Research the reputation of insurance providers and their claims process to select a reliable company known for efficient claims handling and responsive customer support.

By carefully evaluating these considerations and engaging in thorough research, you can make an informed decision when selecting travel insurance for your Cuban adventure. Prioritizing comprehensive medical coverage, understanding policy specifics, and anticipating the unique aspects of your trip will empower you to embark on your Cuban journey with confidence and security.

As you prepare to embark on your unforgettable journey to Cuba, the significance of obtaining the right travel insurance cannot be overstated. By gaining insight into Cuba’s healthcare system, exploring the types of travel insurance available, and considering essential factors when selecting coverage, you are equipped to safeguard your well-being and financial interests during your travels.

Understanding the strengths and potential limitations of Cuba’s healthcare infrastructure underscores the importance of securing comprehensive travel insurance. Whether you plan to immerse yourself in the cultural tapestry of Havana, traverse the lush landscapes of Viñales, or unwind on the pristine shores of Cayo Coco, having the appropriate travel insurance provides peace of mind and essential support in unforeseen circumstances.

When evaluating travel insurance options, prioritize comprehensive medical coverage, destination-specific considerations, and 24/7 emergency assistance to ensure that your chosen plan aligns with the unique aspects of your Cuban adventure. By addressing these key considerations and selecting reputable insurance providers, you can embark on your Cuban journey with confidence, knowing that you are prepared for unexpected eventualities.

As you venture into the vibrant streets of Trinidad or savor the flavors of authentic Cuban cuisine, the right travel insurance serves as a reliable safety net, allowing you to fully immerse yourself in the wonders of this captivating destination. With careful planning and informed decision-making, your Cuban adventure is poised to be not only enriching and memorable but also worry-free and secure.

So, as you eagerly anticipate the rhythmic beats of salsa music and the warm embrace of Cuban hospitality, take the necessary steps to secure the appropriate travel insurance, ensuring that your journey unfolds seamlessly, with every moment filled with discovery and delight.

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• Key takeaways

Do I need travel insurance to visit Cuba?

Our top picks for the best cuba travel insurance, cuba travel information & requirements, why should i get travel insurance for cuba, what types of coverage do i need to travel to cuba, what isn’t covered by travel insurance for a trip to cuba, how much does travel insurance for cuba cost, tips for buying the best travel insurance for cuba, faq: travel insurance for cuba, cuba travel insurance.

Travel Insurance for Trips Cuba: Tips & Safety Info

• All travelers to Cuba are required to have health insurance , but U.S. plans are not accepted.
• Comprehensive travel insurance can provide the required medical coverage and help you cover the costs of trip delays, cancellations, and lost or stolen personal items.
• Cuba does not have the same safety standards or infrastructure as the United States, so travel insurance can be extremely useful after an accident.
• Travel insurance for Cuban tourists starts at around $7 per day, but your actual costs will vary.
• Try using our online comparison tool to find the right policy for your trip. Compare all your coverage options and find the best price to suit your needs.

Our top picks for the best cuba travel insurance

• Detour Insurance: Best Value Coverage
• IMG: Best Rated for Travel Delay
• Travel Insured International: Best for Non-Medical Evac Coverage

Detour Insurance

Travel Insured International

Cuban rules require all travelers to carry medical insurance for the duration of their trip. Your U.S.-based health insurance won’t work — you’ll need to buy separate coverage. At a minimum, the policy should provide medical coverage .

Many U.S. airlines automatically add insurance to your ticket price. American Airlines and United Airlines both charge $25 for a policy that’s active for 30 days. If you’re staying longer, you’ll need to buy extra coverage.

The Cuban government doesn’t publish specific insurance requirements. As a general rule, your policy should provide coverage for emergency medical care and evacuation.

Best Value Coverage

Best rated for travel delay, why we like it.

• Purchase your plan up until one day before you depart
• Generous limits for trip delays, emergency evacuation, and more
• Pre-existing condition waiver available if purchased within 20 days of initial trip deposit
• 24/7 emergency travel assistance included
• Coronavirus-related medical expenses covered
• Plan gets notably more expensive with age

Best for Non-Medical Evac Coverage

• Travel delay coverage kicks in after just six hours
• Generous $150,000 non-medical evacuation coverage
• CFAR and IFAR coverage not included
• Baggage delay coverage only kicks in after 12 hours
• No rental car coverage

Cuban travel rules for Americans have changed several times in the last decade. Here’s a quick overview of the current requirements:

Do I need a visa or passport to visit Cuba?

Americans need a passport and a license to visit Cuba. Your passport must be valid for a minimum of 6 months from the date you land. In addition, you should have two free passport pages to accommodate entry and exit stamps.

To travel to a Cuban city directly from the United States, you must qualify for a license from the Department of Treasury’s Office of Foreign Assets Control (OFAC). If your reason for travel falls into one of 12 approved categories — including family visits, journalistic activity, educational activities, or humanitarian projects — you can travel under a general license. You don’t need to apply for this license, but you should be able to prove that you meet the requirements for the appropriate category.

Need to visit for another reason? You must apply for a specific license from OFAC. Keep in mind that American citizens are not allowed to travel to Cuba from the United States purely for tourism.

COVID-19 restrictions

The Cuban government no longer requires incoming travelers to provide proof of a COVID-19 vaccine or a negative COVID-19 test.

Is it safe to visit Cuba?

It’s safe to travel to Cuba — just make sure you take normal precautions. The U.S. Department of State gives the country a Level 2 travel advisory , largely due to the potential for petty crime.

The Cuban security situation can change quickly. To get updates, sign up for the Smart Traveler Enrollment Program (STEP). Your STEP registration also helps the government find you and provide assistance in case of an emergency. When you’re in the country, the emergency numbers are 104 (ambulance), 105 (fire), and 106 (police), and you can always call the State Department’s 24-hour line for help.

Risk of petty or violent crime

Petty crime is common in Cuba. Pickpocketing and theft of personal items are possible, both in public and in your hotel room. Use the same safety strategies you would in any major city. Don’t carry large amounts of cash, protect your wallet or bag, avoid flashy displays of wealth , and stay alert to your surroundings at all times. Theft can still happen, of course, and many travel insurance policies can reimburse you for stolen items.

Violent crime rates are low in Cuba. However, female travelers have reported incidents of harassment or assault. Stay safe by paying close attention to your drinks, staying away from isolated areas, and avoiding going out alone after dark. In the unlikely event that you’re attacked, travel insurance is critical for both treatment and repatriation to the United States. 

Potential for demonstrations

You may run into demonstrations during your trip. Keep your distance — the government may respond with violence, as they did during widespread protests in 2021 . Travelers should never participate in any type of demonstration; if you’re hurt in the process, your insurance may not pay. If you’re injured accidentally, however, a travel policy can help cover the costs of medical care and transportation.

Swimming safety

When you’re accustomed to the safety standards at beaches and pools in the United States, the conditions in Cuba may come as a surprise. Lifeguards aren’t always present, and rescue services might not be equipped to offer adequate assistance. As long as you’re not participating in water activities that the insurance provider excludes, your policy can be useful after a potential injury or accident.

Poor road safety conditions

Roads in Cuba tend to be poorly maintained, especially in rural areas. Safety standards aren’t the same as in the United States; drivers may not follow expected laws or procedures, and you may see livestock wandering freely. As a result, there is a risk of getting in an accident, damaging a rental car, or experiencing delays. Choose a travel insurance policy that helps make up any costs you incur as a result.

Travel insurance for a Cuban trip usually falls into one of two categories:

Medical-based travel insurance

• Comprehensive travel insurance

Coverage can vary significantly between these policies, so it’s important to understand the difference before you buy.

These policies are designed to cover expenses for emergency medical treatment you need. It’s a good option if you need cheap travel insurance .

Most plans also provide coverage for medical evacuation. This is critical for trips to Cuba — hospitals are often underfunded, understaffed, and poorly supplied, so you may need to return home to get treatment. Because transport often happens on special medically equipped planes, it can be extremely expensive. Make sure your policy offers ample coverage.

Comprehensive travel coverage

Comprehensive travel insurance is an all-in-one option. In addition to medical coverage, it helps cover the costs in case of trip cancellation, delays, damaged personal items, and baggage loss.

Given the challenging economic conditions in Cuba and the country’s tense relations with the U.S. government, the situation on the ground can change rapidly. A comprehensive policy helps minimize your losses if something goes wrong.

Optional add-ons

Some insurance providers offer add-ons that expand your policy’s coverage. A common example is “ cancel for any reason” (CFAR) coverage . With this add-on, you can get a partial reimbursement for non-refundable trip costs — even if your reason for cancellation isn’t covered under the original policy. So, if something comes up at work or a pre-existing health condition flares up, the trip won’t be a total loss.

In most cases, your travel insurance will not cover :

• Extreme sports
• Forecasted storms or natural disasters
• Routine medical care
• Pre-existing conditions
• Traveling against the advice of government agencies

Cuba travel insurance is relatively expensive compared to other destinations close to the United States. We compiled a variety of quotes to help you understand what to expect. Each price below is for a 35-year-old from Illinois who’s visiting the country for 7 days at a price of $2,000.

Based on these quotes, an insurance policy for a weeklong Cuban trip costs an average of $83.52. Your actual price could be considerably higher or lower depending on factors such as:

• State of residence
• Trip length
• Number of travelers

Buying the best travel insurance is a matter of making sure you’ve got the coverage you need. While there’s no one-size-fits-all solution, we’ve put together a list of the best tips to ensure you get the right coverage for your needs.

Look at how you’re planning to travel

Some travel insurance policies only cover certain modes of transportation.

Review your planned activities

Are you planning any adventure sports during your trip? Make sure your travel insurance covers each activity. If not, look into additional high-risk coverage.

Check with your airline

When you fly on a U.S. carrier, your ticket usually includes insurance. Review the coverage limits to make sure they meet your needs

Read your credit card terms

If you booked your trip with a credit card, read the benefits statement carefully. Certain cards offer coverage for trip cancellation, delays, interruption, and lost baggage

Look into flexible coverage options

Some providers offer extra services that expand your coverage and make it easier to get reimbursed

Is travel insurance required to visit Cuba?

Yes — the country requires every tourist to have travel health insurance.

Can I use my U.S. health insurance in Cuba?

You cannot use your U.S. health insurance on a Cuban trip. Instead, you’ll need to purchase a separate policy that’s valid in Cuba.

How much is travel insurance for Cuba?

The cost of Cuba travel insurance varies based on your age, trip length, and place of residence. If you want coverage for cancellation or interruption , the policy will also account for the cost of the trip. On average, a 30-year-old can expect to pay around $83 to cover a weeklong Cuban trip.

Imogen Sharma is a freelance writer with an extensive portfolio, covering topics such as finance, business management, investing, and startups. Before becoming a full-time writer, Imogen managed high-volume fine dining restaurants in London with a knack for pricing and P&L management that contributed to sustained growth.

Imogen has contributed bylined and ghostwritten content for thought-leading publications in business, finance and technology. Topics covered include business loans, personal loans, startup funding and real estate investments.

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Cuba Travel Insurance Requirements

Last updated: 03/07/2024

In order for travelers to visit Cuba, they are required to have medical travel insurance, and they must meet a few other stipulations.

While it is required to have some form of health insurance for travelers from foreign countries to visit Cuba, there is not a specific required amount. However, it is required for travelers to have Emergency Medical coverage, in addition to Medical Evacuation & Repatriation coverage. This coverage must last for the entire duration of their trip.

Squaremouth’s Cuba Travel Insurance Recommendations

For international travel, Squaremouth recommends travelers visiting Cuba buy a travel insurance policy with at least $50,000 in Emergency Medical coverage, and at least $100,000 in Medical Evacuation & Repatriation coverage. This coverage is reimbursement-based, meaning the traveler is typically required to pay their medical expenses upfront and then file a claim for reimbursement when they return home.

The Emergency Medical benefit of travel insurance can reimburse travelers for the costs of medical treatment in the event of an illness or injury during their trip. This includes physician services, ambulance expenses, and other costs of treatment.

The Medical Evacuation & Repatriation benefit can transport a traveler to the nearest adequate hospital in the event of a medical emergency. If the treating physician determines the traveler should return home for better treatment, this benefit can also cover those costs.

In terms of travel insurance, the medical benefits are the only required coverage a traveler needs to travel to Cuba. However, most travel insurance policies are comprehensive and include a variety of other benefits, without increasing the cost of a policy. This includes coverage for travel delays and lost or delayed luggage.

Travelers visiting Cuba also have the option to insure their trip costs under the Trip Cancellation benefit. This benefit can reimburse all of their prepaid and non-refundable trip payments if they need to cancel due to an illness or injury, inclement weather, or terrorist incident, among other events.

Click here to begin your search for Cuba Travel Insurance.

Cuba Travel Insurance Trends and Data

Cuba is known for its beautiful beaches and its world-famous music and culture, however travel to the destination has been restricted for years, especially for travelers from the United States. Despite that, Cuba has grown significantly as a tourist destination.

Destination Rank: 66

Percentage of Squaremouth Sales: 0.26%

Average Premium: $214.80

Average Trip Cost: $3,267.23

Squaremouth Analytics compares thousands of travel insurance policies purchased pre- and post-pandemic to identify changes and trends in the travel insurance industry.

Helpful Resources

• U.S. Department of State – Cuba
• US Embassy in Cuba

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7 Best Cuba Travel Insurance Plans Compared 2024

Updated on February 8, 2024, by Matthew H. Nash – Licensed Insurance Agent

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Cuba travelers. Learn more at the end of this page.

STARTING PRICE FOR 2-WEEK TRIP TO THE CUBA

CAN YOU CANCEL YOUR TRIP FOR ANY REASON? 

BEST  WEBSITE FOR

Comparing Policies

• Compare dozens of the best Cuba travel insurance policies from all the major providers in one place
• Easily filter for the features you want and get support from their award-winning customer service team
• Founded in 2013, TravelInsurance.com has helped hundreds of thousands of travelers find affordable insurance coverage

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

BEST POLICY FOR

Travelers Aged 55+

• Pre-existing medical conditions are covered for a reasonable fee and they offer “cancel for any reason” as an add-on
• $2,000 COVID quarantine coverage available w/ Safe Travels Voyager plan
• Founded in 1998 and underwritten by Nationwide and GBG Insurance

BEST WEBSITE FOR

Filtering Plans

• This comparison website has the most comprehensive filters especially for Covid-19 which helps you search for the specific benefits you need
• They have “Zero Complaint Guarantee” which promises a fair claims process
• Established in 2003, Squaremouth has consistently been recognized for it’s exceptional customer service

BEST POLICY FROM

An Established Brand

• Well rounded, inexpensive travel insurance plans from an established and top rated global insurance company
• AXA has plans that cover pre-existing conditions and their “Platinum” plan covers “cancel for any reason” with an optional add-on. They also offer helpful 24/7 Worldwide Travel Assistance Services
• Founded in 1959 and underwritten by Nationwide

Adventure Travel

• Covers almost all adventure activities for a reasonable price for U.S. residents up to age 70 (worldwide up to age 65)
• Can insure up to 9 people in one family and the signup process is super easy
• Founded in 2002 and underwritten for U.S. travelers by Nationwide Insurance

Family Travel

• Their “Trip Interruption for any Reason” feature allows you to get a 75% reimbursement for any additional expenses if you decide to go home early from your trip
• They have a variety of insurance products to suit any travel needs
• Founded in 1993 and underwritten by Nationwide Insurance

Long-term Travel

• Ideal for digital nomads and long-term travel, available to anyone anywhere
• Scored lower because short-term travel coverage isn’t as robust as competitors
• Founded in 2018 and is underwritten by Lloyds of London

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

• Compare dozens of travel insurance policies from all the major providers in one place

Cuba travel insurance FAQs

What are the most important things to look for in a cuba travel insurance plan.

Always make sure that your travel insurance provider includes Cuba in their coverage. Depending on world events, insurers may exclude a handful of countries from policies at any given time. Also, make sure that any policy you choose covers you from your departure date through the return date. And with so many uncertainties remaining around travel, you may want to get a “Cancel for Any Reason” (CFAR) optional package. It would allow you to do just as it says and guarantee you reimbursement for 75% of your trip costs. Lastly, you must decide whether you want to participate in adventure sports and activities in Cuba. Since Cuba has everything from scuba diving and swimming with dolphins to hiking and horseback riding, you should get a policy that covers such activities. In my experience, the comparison website SquareMouth.com has the best filter options, allowing you to see policies that cover you for your preferred sports and activities.

Can I buy Cuba trip insurance after my vacation has started?

It’s always a good idea to purchase Cuba trip insurance before leaving home, but you can always buy a policy once your vacation has begun. However, be aware that your plan will only be valid from the date of purchase. In other words, it will not cover anything that happened to you, your travel plans, or your possessions before the date of purchase.

Is “Cancel for Any Reason” coverage worth it?

Most travel insurance companies have optional Cancel for Any Reason (CFAR) insurance packages you can add to your standard policy. It’s an excellent choice for people who want that extra peace of mind, knowing that they can cancel their trip for reasons not covered by their policy, such as changing their minds at the last minute and still getting reimbursed 75% of their total trip costs.

How long will my Cuba travel insurance policy be valid for?

It depends on whether you purchase a Single Trip, Annual or International Medical policy. Single-trip travel insurance plans will cover you door-to-door, meaning from the time you leave home on vacation until you return home. These plans usually come with trip cancellation benefits. However, plans without those particular benefits are known as International Medical policies. With these, cover usually lasts a year and is sometimes renewable for up to 3 years. Annual plans extend coverage to multiple trips within a given year for any medical or evacuation services you may need.

Is Cuba safe to visit?

While many people vacation in Cuba without experiencing any trouble, it’s always wise to consult the US Department of State’s Cuba Travel Advisory page for the most current guidance and information.

How do travel insurance companies define “total trip cost”? #21

Your insurers determine your policy’s benefits for Trip Interruption and Trip Cancellation based on your total trip cost. To figure out your total trip cost, add up the full cost of nonrefundable, prepaid expenses. These include airfare, hotels, ground transportation, cruise fares, retreats, event tickets as well as fees for lessons and activities. You must include everything you prepaid but wouldn’t get a 100% refund for should you cancel your trip. Also, always factor in cancellation penalties you would have to pay in your total trip cost. This is true even for those things that do not require prepayment. When submitting your total trip cost to your travel insurance provider, round it up to the nearest dollar (not down). Do not submit a value lower than your actual trip costs to get a cheaper policy. Miscalculating the total trip cost or submitting the wrong total to your insurer could render you ineligible for the benefits listed in your policy.

How is baggage loss defined, and what does that benefit cover?

Trip insurance companies define baggage loss as your baggage or personal effects getting lost, stolen or damaged while traveling. Regardless if your bags are in the care of a hotel, travel supplier or common carrier, your insurer will reimburse you for such losses. Of course, they will do so up to the Maximum Benefit Amount listed in your policy, minus whatever the responsible party reimburses you. Understanding baggage loss benefits and reimbursements can be tricky, so let’s walk through them. First, it’s essential to note that the Maximum Benefit Limit in your policy is applied on a per-person basis. Therefore, if your Maximum Benefit is $2,500, but you have 3 other people insured on your policy, they each get a $2,500 Maximum Benefit for baggage loss. Next is the Per Article Benefit, which can be applied until you reach your policy’s Maximum Benefit Limit. The Per Article Benefit is the highest amount your insurer will reimburse you for each item. Another aspect of baggage loss benefits is the Combined Article Limit, which pertains to items such as watches, jewelry, electronic devices (laptops, smartphones, cameras, video cameras, etc.) and furs. Should you lose one or more of the items mentioned above (or they get stolen or damaged), this is the most your insurer will reimburse you for all of them combined, regardless of each item’s value. (Note: Not all policies will have Combined Article Limits, as this depends on your state of residence.) Imagine that you have a policy with a $2,500 Maximum Benefit, a $300 Per Article Benefit and a Combined Article Limit of $1,000. Should your baggage get lost, stolen or damaged, your trip insurance provider will reimburse you up to $300 per item based on each item’s actual value, but in total cannot exceed your $2,500 Maximum Benefit. For items that get classified under the Combined Article Limit, the most you can get from your insurer is $1,000, regardless of whether the item’s (or items’) value(s) exceed(s) that amount. Therefore, if you lose a laptop, its current value is $1,200. Your reimbursement would be capped at $1,000. It’s worth mentioning that getting reimbursed in such instances requires sufficient documentation to establish ownership and loss. Photographs of the belongings you brought to Cuba and their receipts are perfect for the former. Letters from responsible parties and police reports should be sufficient for the latter. Always review the full details of any policy you are interested in before purchasing it.

Can I get travel insurance through my credit card company?

Credit card companies often offer their cardholders something called “travel protection,” but it is not the same as travel insurance. First, any benefits will be limited to whichever aspects of your trip you purchase with that specific credit card, such as hotels, flights and rental cars. Be aware that almost no credit card companies provide emergency medical and evacuation coverage, and their overall benefits are usually far less robust than those of policies offered by companies that specialize in travel insurance.

Typical problems tourists may experience while traveling in Cuba and how to avoid them:

Most of the illnesses tourists experience in Cuba are from mosquitoes. The risks rise significantly during the rainy season, between May and October. That said, it’s important to note that mosquitoes are an issue year-round due to consistently hot and humid weather. The two most common mosquito-borne illnesses are dengue fever and Zika. Symptoms of Zika include fever, headache, conjunctivitis and rashes. It poses the most significant risk to pregnant women, as it can cause miscarriage. However, most people who contract Zika show no symptoms. On the other hand, dengue fever can leave you bedridden or dead if you do not get the proper care. With dengue, your blood platelet count drops extremely low, so hemorrhaging can occur. Symptoms to watch out for are fatigue, extreme body aches, sweating, vomiting, fever and rashes. Should you experience any, all or a combination of these symptoms, get to a hospital as soon as possible. Being under medical supervision and getting fluids intravenously will be key to your recovery. Regaining your health can take up to 8 weeks, so be patient with the process and ensure you have comprehensive travel insurance to help cover your medical costs. You can minimize your risk of contracting both by using a strong bug spray all over your body, including the tops and bottoms of your feet, especially when you’re not wearing closed shoes. Also, be mindful of staying hydrated. Avoid being out in the mid-afternoon sun and drinking too many caffeinated and alcoholic drinks. Instead, eat plenty of hydrating foods like fruits and vegetables and drink enough water. Do not drink tap water in Cuba. Stick with bottled water. Also, avoid drinks in restaurants with ice, as they generally use tap water to make the ice. You will see locals drinking tap water, but their bodies are used to the bacteria in it and therefore do not have the same adverse reactions that tourists may have. Tap water in Cuba also runs the risk of being contaminated by old pipes, poor sanitation and more.

The most typical injuries that tourists in Cuba suffer are twisted or broken ankles, wrists and arms as well as scrapes from tripping and falling. Other accidents visitors have usually result from outdoor sports, such as cycling and hiking. Even though the roads in Cuba are relatively empty, they are littered with potholes, which can quickly cause you to crash if you’re not paying attention.

Pickpocketing happens in Cuba, particularly in crowded areas that appeal to tourists. Bag snatching is less common, but it still happens occasionally. If you flash money around, wear expensive jewelry or keep your electronics visible, you put a target on your back. See the Safety section below for more information.

Emergency resources for Cuba

Phone numbers.

Dial 106 from any local phone to reach the police, 104 for ambulance services and 105 for the fire department. It’s worth mentioning that people working the dispatch lines rarely speak much English. Therefore, arm yourself with some relevant Spanish vocabulary in advance.

US embassy or consulate details

The United States has an embassy in the Cuban capital of Havana. If you need the Embassy’s address, phone number, opening hours or information regarding citizen services, check out the website . If you want to take an extra safety measure before your vacation in Cuba, register your travel itinerary with the State Department’s Smart Traveler Enrollment Program . Once listed with STEP, you will receive Cuba safety alerts pertaining to your travel dates. Additionally, registration helps the US Embassy in Havana communicate with you and your family in an emergency.

Other local knowledge that is helpful for travelers

Accommodations.

Regarding accommodations in Cuba, you will have a wide selection from which to choose, including international chain hotels, hostales, Cuban chain hotels, casas particulares, campismos, national-peso hotels and vacation rentals. For those who want the best customer service, stay at the higher-end foreign hotels. You will have all the creature comforts you’re used to, including room service, and be cared for by an attentive staff. In terms of other large hotels, there are 5 locally-owned chains, but they aren’t all equal in quality. Cubanacán (including Encanto hotels), Habaguanex and Gran Caribe hotels will be the best locally-owned chains. Unfortunately, due to US government restrictions, US citizens cannot legally stay in state-run hotels. However, if you want to experience Cuban culture, casas particulares are the way to go. The closest equivalent of casas particulares in the United States is bed and breakfasts or inns. While a select few casas feel like small boutique hotels, most are formalized versions of homestays, and they are much more affordable than chain hotels. Sometimes, it may not be obvious where the closest casa is, so if a street vendor stops you, offering cigars or other goods, decline their wares but ask them if they know of any casas particulares. Most are more than happy to take you to one at no charge. Of course, the casa will pay them a commission directly, but you’re always welcome to give them a $1-2 tip if you wish. And your current host can recommend a casa in the next town or city you plan to visit next. With casas, you can expect similar rates across the board but only settle on a price once you have seen the room being offered. All casas only accept cash payments. You’ll pay only a fraction of the standard high-season rate during the low season. Websites like MS Casa Particular Cuba and CasasParticulares.net are two resources for finding casas nationwide. Note that casas with orange insignias near their front doors only cater to Cubans, while those with blue insignias are open to foreigners. If you prefer the atmosphere of a boutique hotel, hostales are the right choice for you. They are the best choice outside Havana, mainly if you stay in provincial cities and larger towns. You will get good service and quality for what you pay, and you will often get to stay in stunning neoclassical buildings, but do not expect upmarket luxury. Even though national-peso hotels are the cheapest accommodations available in Cuba, they are not necessarily recommended. You will likely find them in disrepair, including broken furniture, torn sheets and unpleasant bathrooms. If you want more adventurous and affordable accommodations, campismos may be just what you want. Campismos are small, basic, concrete cabins near beaches and rivers. They either come with a barbecue area or the grounds have a small canteen for all guests. Keep in mind that Cubans always get priority for reservations, especially during June and July holidays. It is worth noting that no accommodations grant you access to a kitchen beside the entire apartment/house short-term rentals you book via Airbnb. This can pose a challenge to those traveling with children or who have specific diets. Just be aware that Airbnbs may not be available in every town or city you plan to visit. Also worth mentioning is that the Airbnb app does not work in Cuba. You will have to communicate with your hosts via the website and email. If you struggle to access the website, try quitting your browser, connecting to the internet using a VPN and visiting Airbnb’s site.

Adventure Activities & Extreme Sports

Cuba is a stunning country with an exquisite landscape, making it perfect for many outdoor adventure sports and activities. Biking, kayaking, exploring and diving in caves, scuba diving, horseback riding, fishing, hiking, snorkeling, taking nature walks to identify birds, flora and fauna, and swimming in waterfall pools are all popular activities among tourists. Diving seems to be the country’s standout sport since Cuba’s waters are crystal clear and unpolluted. The water is also warm and the coral reef and aquatic life is vibrant and aplenty. And there’s no shortage of shipwrecks to checkout. Cuba attracts excellent international talent when it comes to dive masters, and the country’s 25 diving centers have safe gear, even if it’s not the newest. Marlin Naútica y Marinas run most centers. If you aren’t a PADI-certified diver, most dive centers offer certification courses for as little as a few hundred dollars. While there are professional tour agencies that organize such excursions outside of Cuba, many private individuals offer outdoor guide services. (Yes! It’s legal.) Most operate out of casas particulares, so be sure to ask your host to help you plan some activities for your stay. You can generally access decent gear rentals in Cuba. However, if you decide to bring your own from home but don’t want to carry it back with you, consider donating them. Your gift will be met with immense appreciation.

Communication

Keeping in touch with friends, family and colleagues back in the United States, while you’re in Cuba, is rather straightforward, just as it is if you were traveling to other countries. US-based mobile phone carriers such as Verizon, T-Mobile, AT&T and Sprint offer international roaming plans for Cuba. The only significant difference between roaming plans for Cuba and most other countries is that data roaming in Cuba costs a small fortune. You can pay as much as $2 per MB (not GB!). Stick to a calling and texting plan only. Reception is usually quite good throughout most of the country, save for a few remote corners. The upshot is that you can access the internet via WiFi hotspots across Cuba. Sure, the internet speed may not be what you’re used to, but you will be able to get online and do whatever you need. You may find that your hotel or vacation rental has WiFi, but you’ll also find that many public spaces offer access, including public squares, restaurants, cafes, shopping malls and more. You’ll know when WiFi is available because you’ll stumble upon a mass of people staring at their devices, which is not necessarily a common sight in Cuba. Another route you could take is to get a SIM card once you arrive. It will be much more affordable than adding an international roaming plan with your mobile phone company in the US. However, if you choose to get a local SIM, you must ensure your phone is unlocked before leaving the States. If unsure, check with the company you pay for phone service. The SIM card options at the airport are limited, especially for those needing data plans. You’ll get better deals by visiting a local mobile service provider’s store. Cubacel (website only in Spanish) and C-com are the only two mobile carriers in Cuba. If you’re uncertain where to find one of their retail locations, ask your hotel concierge or vacation rental host. Keep in mind that many websites, including those requiring payment processing via US-based banks, are often not accessible in Cuba due to the US sanctions/embargo and censorship. However, you can get around these virtual blockades using a VPN (Virtual Private Network) service. Most VPN services range from $5-15 per month.

The national currency, the Cuban peso (CUP), is only available in the country. Therefore, you must exchange your US dollars for Cuban pesos once you arrive in Cuba. Unlike when you visit other countries, bringing all the cash you need for your trip is essential, especially as Cuban banks can often have very long lines and are only open from 9 am to 3pm, ATMs can be difficult to locate and the exchange rate can be highly unfavorable. Bring mostly $100 bills, as many money changers rarely accept smaller foreign bills. You will want to bring plenty of bills in smaller denominations for giving as tips. (More on this in the Tipping section below.) Avoid changing your dollars at the airport or CADECA money exchange locations. You can lose up to four times the amount you would get elsewhere. Check with your hotel’s concierge or front desk staff for advice on where you can get the best exchange rate. Businesses in Cuba do not accept credit and debit cards issued by American banks. If you’re from a country other than the US, remember that nearly no private businesses have credit card processing machines. Cuba is a cash-based economy. However, state-run enterprises will accept many foreign credit and debit cards. Remember to notify your bank or credit card company of your travel dates and destination so they don’t block you from using your card while on vacation. Note: Cuba used to have two currencies: the Cuban Peso (CUP) and the Cuban Convertible Peso (CUC), but the latter was removed from circulation as of early 2022. Many businesses are slow to update their prices and menus online, so just remember that such things may be inaccurate when researching your trip.

Entertainment

Cuba is famous for its rich and electrifying music and dance scene and their sensual rhythms and moves. It’s so vibrant that it keeps locals and visitors alike grooving and partying until the sun comes up. What astonishes many tourists, though, is how unabashed and unself-conscious Cubans are when it comes to dancing. They leave it all on the dance floor, so don’t be afraid to do so as well. The national dance of Cuba is the danzón. It started as a polite,group-centric ballroom dance and evolved by the early 1900s into a sassier, fiery dance for couples. You may also hear it called charanga, danzón-chá and danzonete. Cuba is also the birthplace of the rumba, which was born out of drumming circles by formerly enslaved Africans in Matanzas and Havana. As time progressed, the drumming became more complex and vocals were added. An inevitable result is the development of a dance style with three variations: columbia, guaguancó and yambú. Jazz and salsa clubs abound in Cuba, and you can’t go far without hearing such tunes as people in public squares or basement clubs. Same is true for salsa, cha-cha-cha, mambo, trova, timba or reggaeton. Much credit is owed to the Afro-Cuban community for countless contributions to shaping this spectacular country’s music and dance culture.

Entry Requirements

Contrary to popular belief, United States citizens can travel to Cuba. You will need a few documents to enter the country:

• A copy of your travel itinerary (proof that you have a ticket out of the country).
• Proof of travel insurance (medical, including Covid-19 coverage).
• A passport with at least 6 months left before expiration.
• A tourist card and a completed D’Viajeros health and information form.

You can complete the D’Viajeros form up to 48 hours before arrival, but the earlier you do so, the better. Just visit the website , click “Request Form,” and fill it out. After you finish the several pages, submit it online. You will be required to show your airline proof of its completion at check-in or the departure gate. A printed or digital copy is acceptable, though having both in case of emergencies is advised. Cuba requires visitors from the US to obtain a tourist card, also known as La Tarjeta del Turista, to enter the country. Most airlines will not allow you to board your flight to Havana without it. Americans must get a pink tourist card and Canadians, a green. Tourist cards run anywhere from $25-85, depending on where you purchase yours. You have several options for getting your Tourist Card. To do so, you will need your passport, a completed Tourist Card application , a copy of your travel itinerary and proof of travel insurance. If you booked your trip through a travel agency, they will be the best and easiest option and can help you take care of everything. Another option is to purchase it online in advance via companies such as Easy Tourist Card . Otherwise, you can buy it from your airline at your flight’s check-in desk or departure gate. Some airlines may include the cost of the Tourist Card in the price of your plane ticket, while some may require you to pay for it separately. It’s always a good idea to confirm with your airline in advance. The last and most time-consuming option is to get it through the nearest Cuban embassy or consulate.

Food & Drink

Cuban cuisine has heavy Spanish, African, native Taíno and Caribbean influences. Heavy in pork, chicken, beef, potatoes (sweet and regular), yucca (cassava), beans, rice, carrots, onions, garlic, coconut, seafood, plantains and other fruit. You will have several types of establishments to eat at while in Cuba. First, foreign hotels and resorts have all-inclusive packages, often including breakfast and dinner buffets. However, it would be a shame to miss out on the variety Cuban cuisine offers. Therefore, avoid all-inclusive packages. An alternative is state-run restaurants. These will be the cheapest of all your dining-out choices. Quality and service span a wide range. In the provinces, you may have limited selections, lower quality food and rations. However, many state-run restaurants in Havana sell delicious food and provide great service. The next best choice is private restaurants, also known as paladares. While these are more expensive than state-run restaurants, you’re guaranteed meals made from fresher, higher quality ingredients and significantly better service. Food ranges from comfort food to high-end fusion cuisine. The most interesting option, but not always available, is dinner at whichever casa particular (see the Accommodation section) you may be staying. Breakfast and dinner usually come at an extra charge. Most travelers who have the privilege of getting a home-cooked dinner at a casa will rave about it for years to come – yes, it’s that delicious! However, keep in mind that breakfasts are usually simple: eggs, fruit and toast. It’s worth asking your host, though, as all meals vary from casa to casa. Ropa vieja is easily one of the most popular dishes in Cuba. It’s made of shredded beef stewed in a tomato sauce, onions, garlic, bell peppers, cumin, and red wine. They typically serve it with rice, avocado, and tostones (pressed and fried plantains) or maduros (sweet plantains). In fact, ropa vieja means old clothes in English—an appropriate name given the appearance of shredded beef. Another is vaca frita, which translates as ‘fried cow.’ It’s a dish of beef strips marinated in garlic, salt and lime, then fried. As it’s frying, some cooks add bay leaves, cumin or oregano and then serve it with black beans and white rice. Fricasé de pollo is probably the most well-liked chicken dish in Cuba. It’s chicken stewed in a tomato and red wine-based sauce with peas, potatoes, olives, capers, bell peppers, garlic, onions, lime juice and spices. Of course, a trip to Cuba would not be complete without trying at least one or two of the country’s mouth-watering fish or seafood dishes. Pecado con leche de coco is fish sauteed in a tomato and coconut milk sauce with garlic and spices. Lobster, shrimp and other seafood will often take the place of fish. Lastly, you must try a medianoche, which literally means midnight in Spanish. It got its name because clubs serve it as a late-night snack or meal. The medianoche resembles the famous Cuban sandwich (el cubano) that working-class Cuban immigrants in the United States made famous. It comes with ham, roasted pork, Swiss cheese, pickles and mustard, and they serve it on sweet egg bread instead of the traditional crispy, baguette-like Cuban bread. For the gourmet capital of Cuba, head to Baracoa in the southeastern corner of the country. You will find incredibly delicious fish and seafood dishes and a variety of fruits and vegetables. Be aware that due to a struggling economy and currency (high inflation), shortages are a normal part of everyday life in Cuba. As a result, people eat what is available and what they can afford, not necessarily what they want. This may make it difficult for those with strict dietary requirements, such as vegan, vegetarian and, to a lesser extent, gluten-free. That said, you will find plenty of street cart vendors selling fresh fruits and vegetables wherever you go.

Getting Around

Getting around Cuba is not as smooth and straightforward as it may first seem. Since trains in Cuba are slow, infrequent and generally uncomfortable, and domestic flights are unreliable, the simplest way to travel between provinces is by bus. Buses are safe and clean. Your best bet will be Víazul if you want air-conditioning. Always buy your tickets directly at your nearest bus station at least 2-4 hours in advance, and 2-3 days in advance during high seasons if you want to guarantee your reservation since the online booking system can sometimes be questionable. The next option will be taxis. You can book these for full-day tours, not only one-way trips. The most popular choice among tourists is the almendrones, the classic American cars, and the other is the yellow taxis, which private drivers or state-controlled agencies operate. Both have comparable rates, but take a coco-taxi if you want to get around Havana. These are yellow, motorized tricycle cars, more modern versions of Southeast Asia’s auto rickshaws (tuk-tuks). With Cuba having such low car ownership and gas shortages being the norm off-and-on for several decades, cycling has been a preferred mode of transportation. Most roads have bike lanes to the right of car lanes, and since potholes abound, poncheras (bike tire repair stalls) exist across the country. The great news is that you can cycle all over Cuba without fear of battling for space on the road with tons of cars. Companies like Bicycle Breeze , Cubyke and Vélo Cuba (website in Spanish) are reliable. Rental cars are pricey in Cuba, and with the roads in such rough shape, it’s not the ideal mode of transportation despite the roads being relatively empty. Daily rates tend to start around US $80, and you will have to pay $175 (or higher) ‘guarantee deposit.’ This deposit is refundable if you return the car without damage or tickets. Should you wish to pick up your rental at the airport, expect to pay an extra airport pick-up fee. Since most rental car agencies are government-run, Americans may find it difficult to rent a car using a credit or debit card linked to a US bank. Therefore, organizing your car rental and other adventures around Cuba with a travel agency is a good idea. Wherever you are in Cuba, you will notice that local buses abound. They are very cheap to ride, but be aware that many Cubans do not want tourists onboard. Therefore, if you show up at a bus station, depot or stop, don’t be surprised if locals pretend that the buses aren’t running. For the sake of all, you are better off taking a taxi.

The national language of Cuba is Spanish, with words from some West African languages tossed in for good measure. It’s often called español cubano or cubañol. Cubans speak extra fast, so even those non-native speakers with a trained ear for Spanish will take some time to get used to it. For those who speak Spanish, it’s essential to know that Cubans often use the informal tú form of verbs instead of the formal usted, even if they don’t know you. However, using the usted form is best unless a local tells you it’s unnecessary. You can also address a man you don’t know as señor or a woman you don’t know as señora. Here are some useful Spanish words and phrases to help you through your travels:

• hello – hola
• goodbye – adiós or chao (pronounced chow)
• good morning – buenos días
• good afternoon/evening – buenas tardes
• good night – buenas noches
• see you later – hasta luego
• How are you? – ¿Qué tal? or ¿Cómo estás?
• good/fine – bien 
• very good – muy bien
• so-so – así así
• please – por favor
• thank you – gracias
• thank you very much – muchas gracias
• you’re welcome – de nada
• sorry – lo siento
• excuse me – perdon
• I don’t understand. – Yo no entiendo.
• Do you speak English? – ¿Habla inglés, senor/a?
• Where is the ______? – ¿Dónde está ______ ?
• post office – oficina de correos
• ticket office – la taquilla 
• airport – aeropuerto
• bus station – la estación de autobús
• bus stop – la parada de autobús
• gas station – gasolinera 
• train station – la estación de trén/ferrocarril 
• bathroom – los servicios or el baño
• men – los caballeros (cowboys)
• women – las mujeres (pronounced moo-hey-rez)
• left – la izquierda (eez-kee-air-da)
• right – la derecha 
• next to – al lado de 
• opposite/across from – frente a 
• in front of – enfrente de 
• behind – detrás de
• on/at the corner – en la esquina 
• near/close to – cerca (de)
• far from – lejos (de) (lay-hoz)
• I would like a room, please. – ¿Quisiera una habitación? (kee-see-ay-rah 
• oo-na aw-bee-tas-ee-on)
• air conditioner – aire acondicionado
• Single room – una habitación individual
• double room – una habitación doble
• car – un coche
• truck – camion
• helmet – casco

Local Customs & Etiquette

Cuba is a relatively easy country to adjust to regarding etiquette since the people tend to be informal and laid back. Shorts, skirts (of a reasonable length), light pants, t-shirts, and tank tops are acceptable, but save bikini tops or provocative clothes for the beach. Dress appropriately for the weather and not too flashy, and you will avoid sticking out like a sore thumb. Despite the communist state declaring Cuba an atheistic country, the citizens still treat churches as places of worship and respect them accordingly. Therefore, dress for the occasion: no shorts, short skirts, tank tops or sandals. All shirts must cover your shoulders, and skirts and pants must fall below the knee. Also, be aware that topless or nude sunbathing is illegal. When greeting Cubans you do not know, shaking hands is appropriate. However, if you have friends in Cuba, feel free to greet them with a kiss on each cheek (appropriate between women and men and women). Men familiar with each other will still shake hands or hug one another. Only discuss politics with locals if they bring it up on their own. The Communist Party has ruled Cuba since the Revolution in 1959. Cubans have endured a great deal of hardship, including food shortages, rationing, and minimal or no access to news and information beyond the country’s borders. As a result, they do not necessarily welcome complaints from visitors about challenges or problems they may be having with their vacation.

Cuba is a very safe country to visit. It has one of the lowest violent crime rates in the Americas. That said, always take common sense precautions in public, especially in desolate urban areas and at night. Lock all your valuables in your hotel room safe, do not wear expensive watches or jewelry in public and carry all cash in a money belt or a chest purse/bag. These steps will ward off pickpockets and help you keep track of your things in busy, crowded places. Another thing to be aware of is that changing your cash with money changers on the street means you risk getting forged notes.

With the opening up of Cuba over the years, the country has developed a strong tipping culture. Expect to tip hotel, cafe, bar and restaurant staff, tour guides and other employees in tourist-centric businesses. Workers depend heavily on tips to make a livable wage, as they usually get paid very little. US dollars are in high demand in Cuba, and it is standard practice to tip in dollars. As mentioned in the currency section, bring plenty of $1 and $5 bills from the US. Of course, do not tip all workers the same. In restaurants, you may see a 5% service charge tacked onto your bill. However, leaving a 10% tip cash tip is still common. The same goes for bartenders. However, if you’re staying at an all-inclusive resort, tip $1 for every 2-3 drinks. In hotels, tip the housekeepers $2-5/night and the bellhops $1-2/bag at check-in and check-out, but a minimum of $3. $1-2 should do for parking valets. For spa technicians, 10-15% is the norm. Unlike in the United States, it’s standard in Cuba, even among locals, to tip shopkeepers and cashiers. You do so by simply rounding up your purchase to the nearest dollar. Just tell the cashier to keep the change. You will also find that most bathrooms have attendants. Most bathrooms require you to pay a fee, and tipping the attendant $0.25-0.50 is appropriate. There are a host of other people you should tip while on vacation in Cuba. The first is tax drivers. $1-3 should suffice for shorter trips, but feel free to tip more if they help you with luggage, provide recommendations, or give you walking directions. Tip street artists and musicians anywhere from $1-2. For outdoor activity and private tour guides, $5-10 per person is the norm. Bus tour guides should get $3-5 per person and the tour bus drivers $2-3 per person. Free walking tour guides volunteer their time, so they should receive a much higher tip of $10-20/per person for a 2-hour tour or more if it’s longer. Museum docents are used to getting $1-2 per person. While this is just a guide to help you, feel free to tip more or less as you see fit. By tipping hotel staff well upon arrival, you will receive much better service than you would if you tipped normally. In Cuba, the high tip usually precedes excellent service.

A final note about travel insurance for the Cuba

I have spent dozens of hours researching travel insurance, including getting quotes and comparing coverage from all the most popular brands. Regardless of where you’re going I am confident that you will also find that TravelInsurance.com offers the best way to compare policies with the ideal combo of coverage and price.

I wish you and yours an incredible journey.

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Heading to Cuba?

If you’re thinking of heading to Cuba, make sure you get the right holiday insurance for your trip. The things you will need to think about are:

• Travel insurance is mandatory for holidays to Cuba – You’ll be asked for proof of cover when you arrive
• The cost of your holiday – Because if you have to cancel, you want to know that you’ll get your money back
• The activities you’re likely to be doing  – If you’re planning anything really extreme, we can offer you extra cover if needed
• How much your luggage is worth – Because if it goes missing or gets damaged, you don’t want to have to bear the cost all on your own
• And don’t forget to check the  latest travel advice for Cuba from the FCDO

Our Coronavirus Travel Insurance is rated Superior by a leading UK Consumer Champion. All of our policies will cover you if you catch Coronavirus.

What’s covered with travel insurance to Cuba?

As standard, our policies cover  over 50 sports and activities , so you can get up to more on your holiday. We also offer a range of benefits, some of which include:

• Medical expenses and hospital benefit
• Personal accident and liability
• Cancelling and cutting short your holiday
• Abandoning your trip
• Delayed departure
• Accommodation cover
• Personal belongings and baggage
• Personal money, passport and travel documents
• Legal expenses

There are a number of things you’ll need to take into account before travelling, so we’ve put together a table of facts and other important information to get you started on your trip to Cuba.

Do I need a visa for Cuba?

Travellers using a full British passport will need to apply for a visa to travel to Cuba.

As there are several types of visa categories out there for different travellers, it’s important to make sure you get the correct visa to cover your trip.

If you’re travelling to Cuba as a tourist, then you’ll need to get a tourist card before you can travel. A tourist card is valid for 30 days but can be extended in Cuba for a further 30 days if needed.

Otherwise, you can find the different types of  visas and entry requirements for Cuba here .

What travel insurance do I need for Cuba?

Travellers to Cuba need Worldwide travel insurance . When choosing a policy, make sure you’re fully covered. Think about the cost of your flights and accommodation, as well as your belongings. At InsureandGo, we offer a range of Cuban travel insurance for different budgets and trip types.

How do I prove I have travel insurance on entry to Cuba?

It is mandatory to have travel insurance for Cuba. You may be checked when entering the country. Make sure you have a printout of your insurance certificate with you. If you can’t prove you’re insured, you may not be allowed entry to Cuba, or you may have to purchase a new policy from the state insurer.

What if I need emergency assistance in Cuba?

If you find yourself in the unfortunate situation of needing medical treatment or assistance while in Cuba, you or someone on your behalf can contact our 24-hour medical assistance team.

All our travel insurance policyholders can get access to our 24-hour emergency medical assistance team .

Healthcare in Cuba

If you fall ill or injure yourself while on holiday in Cuba, it’s important to know what healthcare services they have available and what they can offer.

Cuba doesn’t have any private hospitals or clinics; they operate a national healthcare system run by the government. They actually have the highest doctor-to-patient ratio in the world, and their doctors are often sent abroad to countries with a great need of medical professionals.

It’s strongly advised that everyone travelling to Cuba has the correct travel insurance , including cover for any  pre-existing medical conditions . It’s also very important to visit your GP at least four to six weeks before your trip to check whether there are any vaccinations that you may need.

Find more details of the  healthcare in Cuba here .

Did you know?

• Cubans often refer to their country as ‘El Cocodrilo’, this is because the island looks like a crocodile from above!
• Cuba has a 99.8% literacy rate, which is one of the highest in the world.
• It is illegal to take photos of military personnel, police officers, or airport personnel in Cuba.
• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

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• Travel insurance for Cuba

Today, Cuba is more accessible than it has been for many decades, and those who decide to holiday there can expect a mixture of colourful city life and luxurious beaches.

Our guide looks at the importance of having travel insurance when you visit, from the medical care available to Brits in Cuba to travel risks and the extra cover you may need from a policy.

Get clued up on Cuba

Under Obama, the US famously thawed its once-frosty relationship with its embargoed neighbour. During its time under Castro, Cuba’s tourist industry became an important facet of its economy and holidaymakers from the UK, Canada and elsewhere in Europe flocked to its unique shores.

Now, Cuba is more accessible than it has been for many decades, and those who decide to holiday there can expect a mixture of colourful city life and luxurious beaches.

Whether you go to Havana for its cultural experience or simply want to sip cocktails on the beaches at Guardalavaca, you’ll need travel insurance to make sure you’re covered in the event that anything goes wrong.

Importantly, having travel insurance is a legal requirement for entry into Cuba, and you are expected to present confirmation that you have it upon entry.

The currency of Cuba is the Cuban peso (CUP). It's a closed currency so you can't buy it outside of Cuba. Instead, you can convert your money to the peso on arrival at the airport or in some hotels. Make sure it's at a reputable Bureau de Change.

You will likely get a better exchange rate for British pounds or euros than you would for US dollars. Scottish banknotes aren’t accepted, so be aware of that before you travel.

When you leave Cuba, you can get any remaining pesos exchanged back into pounds, however the rate may not be favourable and you may be better off spending it before you go to the airport.

Protect what matters when you go with good travel insurance

Healthcare for brits in cuba.

Travel insurance with medical cover is a requirement for visitors to Cuba. Being treated in Cuba can be expensive with or without insurance, with the Foreign, Commonwealth and Development Office (FCDO) travel advice estimating that a stay in hospital can cost £200 per day.

Depending on where you are in the country, medical facilities may be more difficult to get to, and if you need medical evacuation costs could run into the thousands of pounds.

Hospitals are more numerous nearer to Havana, but there are medical centres throughout the country. Try to find out where your nearest one is so that you are prepared. Also contact the insurer as soon as possible if you require any emergency medical assistance.

Most resorts will have some form of medical care available but it may be limited. Since the majority of holidays to Cuba are part of package deals, check with your provider about what provisions for medical care are provided if you’re concerned.

It’s likely that your activities in Cuba will be provided by a licensed operator, but if you want to do something that isn’t run by an officially licensed provider, you run the risk of lower safety standards and invalid cover. This could be very problematic if you had an injury.

Travel risks in Cuba

Being a criminal in Cuba comes with greater-than-average risks, and so crime is infrequent. However, opportunistic thieves may take advantage of negligence such as unattended bags. It’s always advisable to be vigilant against petty crime like this. To find out how if you’re unsure, check our guide to avoiding holiday scams .

Always travel with a licensed tour operator to avoid scams. These are rare but do happen, so for excursions that aren’t part of your tour, try and get advice from your provider or authoritative locals such as representatives at your hotel to point you in the right direction.

It’s not a good idea to stop for hitchhikers. There’s a lot of poverty in Cuba and you may be persuaded to hand over cash to beggars. Generally, it’s a better idea to give things that can be used such as soap, which can easily be collected for free from hotels. Due to the country’s legacy of communism, many citizens are not allowed to gain private wealth, which makes begging for money illegal. Even if it is tempting to help someone who asks you for money, you could be getting them in greater trouble.

You will need a certificate to take any art you buy out of the country. There are some wonderful art markets, not only in Havana but throughout the island, and if you wish to bring it back to the UK then having a certificate is necessary for the Cuban authorities to let you leave with it. These certificates are usually provided by the artists themselves, or the vendors.

The rules about how many and what type of cigars you can take out of Cuba have been changed regularly in recent years, so if you fancy taking some home then make sure you know the limits so you don’t get into trouble.

Environmental concerns

Hurricanes can have a devastating effect on Cuba. The country has organised national response systems that can help control the fallout of environmental emergencies, however the scale and precise locations affected are often unknown until hurricanes make landfall. Keep up to date about weather and, if you should get caught in a hurricane, follow all of the instructions you are given to stay safe.

There can be hurricanes anytime between June and November, however they are more likely toward the latter end of this period. Many storms can hit Cuba without developing into hurricanes and, excepting the truly devastating storms, will often pass without causing major disruption.

Cuban culture

The story of Cuba is one of defiance, revolution and culture. Music, art and dance are focal points of the country and you’d be hard pushed to get far down any street without encountering at least one of them.

The vibrancy and colour of the culture can be at odds with some of the hardship that’s present, and Cuban people can be both passionate and stoic. Cuba has one of the highest literacy rates in the world and education is present in many areas of life. In cigar-rolling factories, for instance, workers are played the news, radio plays and musical recitals.

It’s tempting to try and see Cuban culture away from the confines of your group, where things might feel less authentic. If you are going to do this, don’t take valuables such as your passport with you, stay safe and tell an organiser what you are doing and, if possible, where you are going.

Do I need travel insurance in Cuba?

Travel insurance with medical cover is a legal requirement if you’re visiting Cuba. There are sometimes spot checks on arrival to make sure you have enough travel insurance for your stay and to cover any medical treatment you may need.

If you don’t have or can’t prove you have cover on entry to the country, you may be refused admission or made to buy a new policy from the state’s own tourist assistance company.

Make sure you buy travel insurance that provides the cover you need upfront – from emergency medical treatment, evacuation and repatriation to protection against cancellation, delay and other disruptions, plus lost, damaged or stolen belongings. And take a printout of your insurance certificate in your hand luggage. Check the policy you choose has the right amount of Covid-19 cover for you to travel with confidence.

If you’re in Cuba with a package deal, then there’s a chance you could have a great many activities organised. If you know what they are before you depart then it’s important to check that they are all covered by your policy, and if they’re not, whether you can amend your policy accordingly.

Always check the latest travel advice

Before you travel, check the latest Foreign, Commonwealth and Development Office (FCDO) advice  for your destination, as travelling against this advice may invalidate your travel insurance.

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Our "Cuba-specific" indemnity is cheaper because its NOT covering the rest of the world, e.g. just $9 USD for 6 days.

Medical Insurance is mandatory for everybody visiting Cuba . And now you can take out a policy online with Esicuba, the principal state backed insurer. Esicuba is the only insurer with offices and staff actually inside Cuba's international hospitals. The Esicuba brand is the only one instantly recognisable by hospital staff.

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Travel info, contact info, additional info.

Travel Insurance for Cuba

To enter Cuba  you are required to have Travel Medical Insurance . This is often checked by immigration upon arrival in Cuba. If acceptable documentation is not provided, then you will have to buy travel insurance from the local insurance provider -  Asistur S.A.  - which has an office in the immigration area of the airport

US airlines that fly directly to Cuba include Asistur travel medical insurance in the cost of the airline ticket. Your boarding pass serves as proof of insurance. You can verify this information on the airline's website, but should not call the airline to ask because call center staff are usually misinformed.

Coverage Options

U.S. citizens  are required to select the " Special " option.

Prices in USD / day AUD GBP EUR

*   U.S. citizens  are required to take the " Special " option ‡  For travellers  70 years or over , death is not covered, except death from an accident while traveling on public transport. †  Only for accidents while using public transport. **  Supplement of  US$3/day  required for travellers  70 years or over . This supplement is also required for  high risk activities .

The Insurer

Our Travel Insurance partner in Cuba is  Asistur S.A. , a  Cuban  organisation that specializes in various kinds of assistance to foreigners. Asistur Travel Insurance purchased through Cuban Adventures will give you the advantage of dealing  directly with Cuban institutions  without having to contact an agency outside of Cuba to confirm to a Cuban entity that you are covered. For instance, if you need medical treatment or hospitalization while in Cuba, you simply call the local Asistur assistance number and, quote your policy number, and simply follow the instructions given to you by the duty officer. This should result in you receiving treatment and medical services without you having to pay in cash.  Read more  about what to do if you need medical attention.

Asistur has agencies in all the major tourist centers and represents 200 insurance and assistance companies of 40 countries.

ASISTUR Contact Information Prado 208 e/ Colón y Trocadero Habana Vieja Tel : (537) 866-8527 / 8920 / 8339 / 4121 / 867-1315 Fax : (537) 866-8087 E-mail : [email protected]

More Details

ACCIDENTAL DEATH OR DISABILITY The Insurer will pay the Insured Person or his/her Survivor the maximum sum in the event of any injury causing loss of life or permanent disability within 12 months of the injury. In case of an injury causing a partial and permanent disability, the Insurer will pay the Insured Person, also within 12 months of the injury, a percentage of the insured sum according to an indemnity table that is available on request.

BAGGAGE AND PERSONAL EFFECTS Loss or physical damage by rough handling of baggage, fire, robbery or transportation hazards are covered by the insurance policy. If the Insured Person suffers the loss of baggage during transportation by an airline that is a member of the International Air Transport Association (IATA), the Insurer will pay the total insured sum. In any case the Insured Person must present documented evidence to prove that the damage or loss occurred. Loss caused by negligence of the Insured Person is not covered.

HOSPITALIZATION AND MEDICAL EMERGENCIES An amount up to the maximum insured sum will be paid for costs incurred in Cuba for medical and dental emergencies, and for hospitalization and treatment, if the Insured Person becomes ill or suffers injury through an accident during the period of insurance. The Insurer will not assume payment for treatment of a pre-existing medical condition, known or unknown by the Insured Person.

TRANSPORTATION AND REPATRIATION An amount up to the maximum insured sum shall be paid for the accommodation and transportation of the Insured Person in case of an accident or illness during the period of insurance coverage when such an event prevents the Insured Person from leaving Cuba on the scheduled date, or if the Insured Person dies. In the event of death of the Insured Person, cost of burial, special coffins or urns are excluded.

CIVIL LIABILITY The Insurer will pay up to the maximum insured amount if the Insured Person accidentally causes physical or material damage to a third person or his/her properties.

LOSS OF TRAVEL DOCUMENTS The Insurer will pay up to the maximum insured amount the expenses of the Insured Person in obtaining new travel documents in case of loss or theft of passport, ticket or visa.

BAIL BOND A cash advance up to the maximum insured amount will be granted by the Insurer in case a Cuban Court of Justice rules that a bail bond is required as a result of a legal process started against the Insured Person for criminal liability in an accident.

How to get assistance in Cuba

If you require medical attention while you are in Cuba, you need to contact Asistur as soon as you can, preferably  before  you receive the medical attention, or otherwise while you are still receiving the medical attention.  You will not be able to make a valid claim on your insurance AFTER you leave Cuba . Our experience indicates that you would be basically in one of two situations:

SITUATION No. 1 The nature of the problem is  not very serious , and you are able to contact ASISTUR by  yourself . In this case, you call the ASISTUR phone numbers we provide you with on your insurance policy statement. You can try requesting a Call Collect service. Some places in Cuba do not have this service, so you might have to pay the cost of the call, and later you can request a refund in writing and present this in person in the Asistur office in  Havana . Once you are connected to an Asistur Duty Manager, carefully follow the instructions given.

SITUATION No. 2 You have a  serious health problem , the need for treatment is urgent, and you are not able to contact Asistur yourself before you receive medical treatment. In this case, the important thing is that you receive immediate medical attention wherever you are, through the health professionals and/or establishments nearest you in Cuba. However, during the following 24 hours, you or any person accompanying you must call ASISTUR on the phone numbers we provide on your insurance policy statement, and provide all the information relevant to the situation and the assistance you have received. ASISTUR will then contact the Medical Center where you are, in order to control all the phases of the assistance provided to you and to cover the expenses that correspond, according to the terms of the  General Conditions .

Making a claim

If for some reason you receive medical treatment in Cuba and do not contact Asistur, or are unable to contact Asistur at the time or during the course of your treatment, or you have expenses related to the event that have not yet been paid for by Asistur, you can later make a claim at the  Asistur office in Havana .  This needs to be done in person  and you need to allow time for the case to be processed (which may take several days), and still be in Cuba, so as to be able to receive any monies (benefits from the claim) in person.

Assitur will not pay any claims  after you have returned to your country.

To make a claim, you need to present the following documentation...

• The original receipts  of the medical treatment you received in Cuba
• Your passport
• A hand written  letter detailing your claim

For smaller claims, we recommend that the you assess whether completing this process is practical and worthwhile, especially if you need to rearrange your travel plans, and remain in Cuba longer than originally planned, just for this purpose.

Big Planet Adventures Pty Ltd. is a point of sale & is not responsible for processing or assisting in any claims made to Asistur.

General Conditions

DISPUTES & CLAIMS You will not be able to make a valid claim on your insurance AFTER you leave Cuba.  Claims can only be made in Cuba in person , and the claimant needs to be in Cuba at the time to receive any payable benefits. If you require medical attention while you are in Cuba, you need to contact Asistur as soon as you can, preferably  before  you receive the medical attention, or otherwise while you are still receiving the medical attention, for this medical treatment to be covered by Asistur. Disputes are to be settled under Cuban laws.

COVERAGE The insurance coverage is from the moment you arrive in the Republic of Cuba until you leave the country.

RESPONSIBILITY The Insurer will not be responsible nor indemnify for any damage, injury, or sickness caused by persons or professionals that are  not authorised by the Insurer  to give medical, pharmaceutical, or legal assistance.

Like all travel insurance policies, there are some activities and situations for which cover is not provided.

Medical, Transport, and Repatriation Expenses from Sickness or Accident Asistur does not cover expenses for the following accidents and situations: War, civil or military uprising, terrorism, sabotage, strikes, detentions by authority, radioactivity, sea or mountain rescue, chronic illnesses, previously existing illnesses, congenitally recurring illnesses, prosthetics (such as contact lenses, hearing aids, glasses), pregnancy, birth, abortion, pregnancy complication, mental illness, participation in an illegal activity, suicide or attempted suicide, self inflicted injuries, treatment for intentional ingestion of drugs including alcohol, and medication without a prescription, consequences of surgery that was part of treatment for an accident, consequences of a sickness of any kind, accidents from participating in contact sport, motor sport, scuba diving, caving, and mountain climbing. This last exclusion can be covered by paying the  high risk activity supplement .

From Cover for Luggage Loss or damage to bank notes, airline tickets, stamp collections, documents for professional qualification, ID documents, credit cards, cheques, tapes, disks, cd's, documents stored on digital devices, glasses and contact lenses; Loss of objects from being forgotten or left behind, being left in a public place (or a place where other members of the public have access to) without vigilance, breakage from attempted robbery, damage caused by civil or military uprising, strikes, earthquakes, or radioactivity, damage caused by negligence including the leakage of a liquid, damage or loss caused by the confiscation by government authority; Loss or theft of hand luggage.

From Cover for Civil Liability Asistur does not cover you for: Voluntary participation in fights (except in legitimate personal defence), popular movements, illegal acts; Professional or commercial activities such as selling merchandise, or providing services; from animals that are rented or lent to the insured; For intentional ingestion of drugs including alcohol, and ingestion of prescription drugs without a prescription; Piloting boats or aeroplanes, or using a firearm; Responsibilities for damage and loss to a rented or occupied property under your care, control, or custody in any form.

High risk activities

High risk activities, for which the high risk activity supplement needs to be paid, include: contact sports, motor sports, scuba diving, caving, rock climbing, hang-gliding, skydiving, hunting, mountain climbing (using ropes or guides). You can pay this supplement for the  specific number of days  that you will be participating in high risk activities.

Other Companies that provide Travel Insurance to Cuba

Here are a couple of other companies that offer travel insurance for journeys that include Cuba on the itinerary.

• Round the World Insurance
• World Nomads