Introduction: Why Travel Insurance Is Mandatory for Cuba
If you’re planning a trip to the Republic of Cuba in 2025, whether for tourism, business, or long-term stay, you are required by law to have valid travel medical insurance. This mandatory regulation applies to all foreign visitors and Cuban citizens living abroad. Since 2010, Cuban immigration authorities have enforced a strict entry requirement: no traveler may enter Cuba without proof of an approved health insurance policy that is valid for the entirety of their stay.
As travel to Cuba increases among North American tourists, European retirees, students, expats, and business travelers, understanding the fine print of Cuban travel insurance has never been more important. This guide answers your most frequently asked questions, breaks down Cuba’s insurance requirements, and helps you confidently choose a provider like CubaHeal—an officially recognized distributor of Cuba-approved travel insurance policies.
- Overview of Cuba’s Insurance Entry Requirements
Cuba’s entry policy mandates that all visitors possess valid medical insurance approved by Cuban authorities. This measure helps ensure that international travelers do not burden the country’s healthcare system. At the port of entry, you may be required to present proof of insurance.
Approved policies must cover medical emergencies, hospitalization, repatriation, and other essential services. The best approach is to buy an approved policy before departure.
- Who Needs Travel Insurance for Cuba?
Cuban travel insurance is mandatory for:
- Tourists from North America, Europe, and beyond
- Business travelers attending conferences or managing partnerships
- Students and expats staying for extended periods
- Dual citizens and Cubans living abroad visiting family
This requirement is uniform regardless of the length of stay or entry purpose.
- What Does Cuban Travel Insurance Cover?
Comprehensive Cuban travel insurance policies typically include:
- Medical and surgical emergency treatment
- Emergency dental care
- Hospitalization and pharmaceutical expenses
- Medical evacuation and repatriation
- Emergency care for pregnant travelers (non-negligent)
- COVID-19 treatment
- Accommodation costs for an accompanying person (children or incapacitated travelers)
- Costs related to lost travel documents
- Liability and legal assistance
These benefits ensure that both short-term and long-term visitors are protected during their stay.
- Specific Benefits and Coverage Limits
Here’s a breakdown of what a typical Cuba-approved policy includes:
Medical Expenses
Coverage Limit: $25,000 USD
- Emergency surgeries or treatments
- Emergency dental (up to $21 USD)
- Prescribed medication
- Hospitalization
- Pre-existing condition flare-ups (initial care only)
- COVID-19 related expenses
- Lodging for one accompanying person in serious cases
Repatriation & Transportation
Coverage Limit: $5,000 USD
- Transport to a suitable medical facility
- Return of remains in the case of death
- Ticket penalties due to hospitalization
- Travel expenses for a relative if hospitalized beyond 10 days
Liability Coverage
Coverage Limit: $10,000 USD
- Damages to third parties
- Legal fees for defense
Bail Advance
Coverage Limit: $5,000 USD
- Legal bail required due to an accident
Loss of Travel Documents
Coverage Limit: $1,000 USD
- Passport, visa, and airline ticket replacement
- Airline rebooking penalties
- Exclusions: What Isn’t Covered
Certain conditions and events are not included in standard Cuban insurance policies. These exclusions include:
- Unapproved treatments or consultations
- Medical tourism or elective procedures
- Intentional self-harm or drug abuse
- Chronic or pre-existing illnesses beyond urgent care
- Pregnancy, childbirth, or abortion (unless in emergency)
- Prosthetics, eyeglasses, hearing aids, etc.
- War, terrorism, riots, or civil unrest
- Dangerous sports or hobbies (unless additional premium is paid)
Always review exclusions before purchasing any insurance policy.
- Refund and Cancellation Policies
CubaHeal offers a full refund under the following conditions:
- Your flight or trip is canceled due to decisions made by Cuban or departure-country authorities
- You present proof of valid medical coverage within Cuba
- Your visa application or visa extension is denied
Refunds may take up to five business days to process.
- Special Considerations for Seniors and High-Risk Travelers
Travelers aged 70 or older, or those planning high-risk activities (e.g., scuba diving, motorbiking, or sports competitions), must pay an additional premium of $3.00 USD per day. This extra cost reflects the increased risks and the need for specialized emergency coverage.
- Best Practices When Choosing Travel Insurance to Cuba
- Buy Before You Fly: Avoid delays and confusion at Cuban airports.
- Use a Trusted Provider: Choose an agency like CubaHeal that is recognized by Cuban authorities.
- Review Coverage in Detail: Understand limits, exclusions, and refund rules.
- Print Your Certificate: Carry physical proof of coverage for border checks.
- Why Choose CubaHeal for Your Travel Insurance?
CubaHeal is a leading, internationally trusted provider of Cuban medical services and travel insurance. When you purchase through CubaHeal, you benefit from:
- Policies fully approved by the Cuban government
- Immediate electronic certificate issuance
- Transparent pricing with no hidden fees
- Multilingual customer support
- Direct contact with Cuba-based medical and administrative offices
With a proven track record of serving thousands of international travelers, CubaHeal ensures your entry into Cuba is smooth, safe, and compliant.
- Frequently Asked Questions (FAQ)
Q: Is travel insurance really mandatory for Cuba?
A: Yes, all visitors must present proof of approved travel medical insurance at entry.
Q: Can I use my regular travel insurance from back home?
A: Only if the policy is recognized and accepted by Cuban immigration authorities.
Q: What if I forget to buy insurance before arriving in Cuba?
A: You will be required to buy a local policy at the airport, often at higher rates.
Q: How long does it take to receive my certificate from CubaHeal?
A: Typically, within one-to-two days of purchase.
Q: Is COVID-19 treatment included in the policy?
A: Yes, medical expenses related to COVID-19 are covered.
Q: What if I cancel my trip?
A: Full refunds are available if cancellation meets the listed conditions.
- Conclusion: Don’t Risk Entry Denial – Secure Your Policy Today
Traveling to Cuba without a recognized insurance policy can result in delays, unexpected costs, or even entry denial. Whether you’re exploring Havana’s vibrant culture, attending business meetings, or planning a long-term stay, don’t leave your health and legal protection to chance.
Secure your official Cuba travel insurance today with CubaHeal and enjoy peace of mind knowing you’re covered by a government-approved, traveler-trusted provider.