Cuba Travel Insurance

Medical Coverage Plans

The most important aspect of travel insurance is medical coverage. This should include hospital stays, doctor visits, medications, and emergency treatments.

Coverage for Emergency Medical Expenses

Ensure that your insurance policy covers emergency medical expenses. If you suffer from an unexpected illness or injury, this will cover the costs of treatment, so you aren’t stuck with exorbitant bills.

Medical Evacuation and Repatriation

In case of severe injury or illness, you might need to be evacuated to a hospital outside of Cuba. Medical evacuation and repatriation coverage ensures that you’re safely transported back home or to another country for better treatment.

Trip Cancellation and Interruption Coverage

Besides medical protection, it’s wise to have coverage for trip cancellations or interruptions.

Refunds for Unexpected Cancellations

If your trip is unexpectedly canceled due to unforeseen reasons like illness, natural disasters, or political unrest, trip cancellation coverage can help you recover the costs of your trip, including flights, hotels, and activities.

Coverage for Delayed or Missed Flights

Flight delays or missed connections can lead to extra expenses, such as additional hotel stays or meals. Having trip interruption insurance can reimburse these costs, keeping your trip on track.

When selecting the best travel insurance, it’s important to ensure that your policy meets both the legal requirements of the Cuban authorities and your personal travel needs. Here’s what to look for:

• Mandatory Medical Coverage: Ensure your plan includes medical insurance that covers medical emergencies, medical treatment, and hospitalization in Cuba.

• Emergency Medical Evacuation: Choose a policy that offers emergency medical evacuation in case of severe illness or injury requiring transport out of Cuba.

• Asistur Medical Insurance Access: Confirm that the policy partners with Asistur Medical Insurance, the official provider recognized by the Cuban government.

• Coverage for Medical Expenses: Select a plan that pays for medical bills, prescription drugs, and any expenses related to medical care without needing large cash payments.

• Support from Assistance Companies: Opt for an insurance provider that works with reliable assistance companies to help coordinate care and support in emergencies.

• Compliance with Foreign Assets Control: The insurance should comply with foreign assets control regulations to ensure valid coverage in Cuba.

• International Insurance Networks: Look for plans that offer access to global care providers and treating physicians familiar with Cuba’s health system.

• Protection for Permanent Disability: Consider policies that include benefits for permanent disability or serious health issues arising during your trip.

• Coverage for Official Business: If travelling on official business, ensure your policy includes any special coverage requirements mandated by foreign governments.

For a complete and reliable policy, explore the options available at So Easy Travel Insurance.

Travel insurance for Cuba is not just a precaution—it is a mandatory requirement by the Cuban government for all visitors. Without proper coverage, you may be denied entry at the border. Here’s why securing the right travel insurance is essential:

• Entry Requirement: Cuban authorities require proof of valid travel insurance with medical coverage to enter Cuba.

• High Medical Expenses: Medical care in Cuba for foreigners can be costly. Without travel medical insurance, you’ll have to make cash payments for any medical services or emergencies.

• Access to Asistur Medical Insurance: Only approved insurance providers grant access to Asistur medical insurance, the official service for tourists needing medical treatment.

• Emergency Medical Evacuation: In the event of a serious accident or illness, having emergency medical evacuation coverage ensures you can be safely transported to specialized care.

• Prescription Drugs & Treatment: Insurance helps cover prescription drugs, hospital stays, and expenses related to any medical emergencies or ongoing treatments.

• Compliance with Foreign Assets Control: Insurance policies must comply with foreign assets control and authorized export transactions, ensuring they are recognized by the Cuban authorities.

• Support from Assistance Companies: Quality insurance plans connect travelers to 24/7 assistance companies and reliable health care.

• Protection Against Permanent Disability: Coverage often includes financial protection in cases of permanent disability resulting from an accident during your trip.

By purchasing a comprehensive travel insurance policy from So Easy Travel Insurance, you’ll have peace of mind knowing you’re fully covered for any medical and travel-related risks during your visit.

When traveling to Cuba, it’s essential to understand the difference between travel medical insurance and your regular health insurance, as well as why specialized coverage is required by Cuban authorities.

• Mandatory Requirement: All visitors must have travel insurance that includes medical coverage, regardless of their existing health insurance from home. This is strictly enforced by the Cuban government to enter Cuba.

• Limited Coverage from Domestic Health Insurance: Most domestic health insurance policies, including those from the U.S., do not cover medical services or medical treatment in Cuba due to foreign assets control regulations and restrictions on authorised export transactions.

• Comprehensive Medical Coverage: Travel medical insurance designed for Cuba covers a wide range of needs, including:

  • Medical emergencies and medical expenses

  • Access to Asistur medical insurance for care coordination

  • Emergency medical evacuation to your home country if needed

  • Coverage for prescription drugs and other expenses related to treatment

• Assistance Companies and Providers: Reputable insurance providers partner with experienced assistance companies to ensure that travelers get help quickly in case of medical urgency.

• Direct Billing & Cashless Services: With travel medical insurance, you often avoid upfront cash payments, as your policy can handle billing directly with Cuban authorities and medical facilities.

• Permanent Disability & Serious Health Risks: Policies may also cover scenarios like permanent disability, ensuring financial protection for severe injuries.

For full protection, it’s highly recommended to purchase a policy tailored for Cuba through So Easy Travel Insurance, ensuring you comply with all entry requirements and are safeguarded throughout your trip.

If you face a medical emergency or any urgent situation while in Cuba, it’s important to act quickly and follow the correct steps to ensure you receive appropriate help and your travel insurance coverage is activated.

• Contact Asistur Immediately: Asistur is the official medical insurance provider in Cuba for tourists. They coordinate medical services, hospital care, and medical treatment. 

• Notify Your Travel Insurance Provider: Contact your insurance provider or their partnered assistance companies right away. Most policies provide a 24/7 emergency contact number for support.

• Provide Your Insurance Details: Share your insurance policy information with the treating physician or hospital staff to facilitate direct billing and avoid large cash payments for medical expenses.

• Follow Medical Guidance: Adhere to the advice and treatment plan recommended by local health care and the Cuban authorities.

• Keep All Medical Documentation: Retain all receipts, medical bills, and reports for any expenses related to your medical care, including prescription drugs, as this will be necessary for insurance claims.

• Request Emergency Medical Evacuation if Needed: If the situation requires specialized care not available in Cuba, coordinate with your insurance for emergency medical evacuation.

• Contact Your Embassy: For serious emergencies or legal matters, contact your country’s embassy or consulate in Cuba for additional assistance.

Having the right travel insurance from So Easy Travel Insurance ensures you are well-supported in any emergency, with access to essential care, resources, and evacuation services if needed.

Is Travel Insurance Mandatory For Cuba?

Yes, Cuba requires all travelers to have valid travel insurance that includes medical coverage. Without it, you may be denied entry or required to buy local insurance upon arrival.

Does Travel Insurance Cover Adventure Activities in Cuba?

Some travel insurance policies offer coverage for adventure sports and activities, but you need to check your plan specifically for high-risk activities like scuba diving, hiking, or motorbiking.

Can I Buy Travel Insurance After Arriving in Cuba?

Yes, but it’s not recommended. Purchasing insurance upon arrival is often more expensive and offers limited coverage compared to what you can secure before your trip.

What Happens if I Don’t Have Travel Insurance?

If you don’t have travel insurance, you might be denied entry into the country. Additionally, without insurance, you will be liable for any medical costs or travel disruptions that occur.

Is COVID-19 Coverage Included?

Many insurance providers now include COVID-19 coverage in their policies, which covers medical expenses, quarantine costs, and trip cancellations related to the pandemic. Always verify with your insurer to ensure it’s part of your plan.