Traveling to Cuba is not like traveling to most other destinations. From visa rules to insurance requirements, things work differently here. If you’re planning a trip to Cuba, you’ll need travel medical insurance that isn’t just helpful, it’s mandatory. And not just any policy will do. The Cuban government has its own rules about what’s acceptable.
This guide walks you through everything you need to know about travel insurance for Cuba in 2025. It’s written for real travelers — people who want to understand what they need, avoid problems at the border, and actually be covered if something goes wrong.
Is Travel Insurance Mandatory for Cuba?
Yes. Since 2010, the Cuban government has required all foreign visitors to have valid travel medical insurance before entering the country. This rule is still strictly enforced in 2025. Source
You may be asked to present your insurance certificate at immigration. If you don’t have one, or if your policy doesn’t meet the required standards, you’ll be denied entry or forced to purchase coverage on the spot, which is far from ideal.
What Does Cuban Travel Insurance Need to Cover?
When you’re traveling to Cuba, your travel insurance should be comprehensive and Cuba-specific. The policies made available through recognized facilitators are tailored to meet all Cuban government requirements. This includes:
- Emergency medical coverage
- Emergency medical evacuation
- Repatriation of remains
- Coverage for COVID-19-related medical issues
- 24/7 bilingual support
These policies are designed to ensure compliance while also offering practical protection during your stay. They’re not generic travel policies retrofitted for Cuba—they’re built with Cuba in mind.
Common Mistakes to Avoid
A lot of travelers think their regular insurance or credit card coverage is enough. It usually isn’t. Most U.S. or Canadian health insurance policies don’t cover you abroad. Even if your credit card
says “travel insurance,” check the fine print. If it doesn’t specifically name Cuba, or if it only covers trip cancellation, you’re out of luck.
Another big mistake? Buying insurance from a provider that doesn’t issue policies accepted in Cuba. Cuban authorities only recognize policies issued by a small group of companies authorized to partner with Asistur S.A., the official Cuban insurance administrator. More here
What Happens If You Need Medical Care in Cuba?
Cuba has a parallel healthcare system for foreigners. Medical facilities for tourists are separate from those used by Cuban citizens, and they expect payment upfront.
Due to U.S. sanctions, foreign insurance providers are not allowed to transfer funds to Cuban institutions. That means you’ll typically need to pay for care out of pocket at the time of treatment, then submit a reimbursement claim to your insurer once you’re back home. OFAC reference
It’s not ideal, but it’s manageable—especially if you’ve chosen a policy that clearly explains the claims process and provides support during your stay.
How Much Does Travel Insurance to Cuba Cost?
Premiums vary by age and coverage length, but here are the 2025 weekly averages based on current offerings:
- 1-week trip for an adult under 70: $80.00 CAD
- 1-week trip for a senior traveler (70+): $96.00 CAD
These rates reflect policies that are fully compliant with Cuban entry regulations and include robust medical coverage.
Do You Need Insurance for Connecting Flights or Layovers in Cuba?
Yes. Even if you’re not leaving the airport, Cuba’s rules apply the moment you enter the country’s airspace. Transit travelers have been turned away for not having proper coverage. Don’t risk it. Canadian Government Advisory
Why You Should Buy Insurance Before You Travel
Cuba requires visitors to have valid travel medical insurance upon entry. While policies may be available locally at airports, they’re often limited, harder to navigate, and not ideal in a crisis.
Buying your policy in advance from a recognized provider ensures you meet the entry requirements, know exactly what you’re covered for, and have access to support in your own language. It also gives you the chance to review your policy carefully, so you’re not stuck with something unclear or unusable.
Is Cuba Travel Insurance Different from Regular Travel Insurance?
Yes. Cuba’s requirements are specific and non-negotiable. A general travel insurance policy might not cut it unless it:
- Names Cuba as a covered destination
- Includes coverage that aligns with Cuban law
- Can be verified by Cuban immigration and healthcare officials
Some international insurers exclude Cuba from coverage due to U.S. sanctions. Always check the policy wording. Details from the U.S. State Department
Final Advice
Traveling to Cuba without proper insurance isn’t just risky — it can get you turned away at the border or leave you stuck with a massive medical bill. The safest route is to buy a policy that is proven, government-recognized, and built specifically for travel to Cuba.
That way, if something goes wrong, you’re covered. And if everything goes right (which it probably will), you have peace of mind without worrying about fine print.
Still have questions? Look for a provider who specializes in Cuban travel. It makes a difference. And yes, the cheapest plan is rarely the best one when it comes to Cuba.