If you are searching for travel insurance for Cuba, you will quickly find a confusing list of options. Private travel insurance plans, credit card coverage, and online policies all promise to cover everything from trip delays to lost baggage to emergency care.
Here is the hard truth. Most of these policies do a poor job when it counts. Many are not even recognized by Cuban hospitals or border authorities.
This is why CubaHeal travel insurance focuses only on what truly matters. We provide full, government-approved medical coverage for Cuba through the ASISTUR insurance program. We do not include coverage for baggage or flight delays, and this is by design. It works in your favor.
You can also read our full program here: Travel Insurance for Cuba
You already have baggage and flight delay coverage that works better than private insurance
Most travelers do not realize that airlines are legally required to cover lost, delayed, or damaged baggage. International agreements, such as the Montreal Convention, already give you this protection. You do not need to buy extra insurance for it.
Flight delays are also covered by passenger rights laws in many regions, including the EU and Canada. If your flight is delayed or canceled, you may be entitled to compensation directly from the airline. This is your legal right, and you do not need to buy additional coverage for it.
In contrast, private travel insurance coverage for these risks is often full of fine print and limitations.
- Baggage coverage usually applies only after long delays, typically 24 to 72 hours, and requires receipts to claim.
- Valuable items such as electronics are often excluded.
- Flight delay compensation applies only after lengthy delays and often for a very limited list of covered reasons.
- Airlines already owe you compensation in most of these cases, so private policies often add very little value.
At CubaHeal, we do not believe in charging you for redundant insurance. Instead, we focus on delivering Cuba medical insurance that protects you where it matters most, which is during your stay in Cuba.
Emergency medical coverage is where private insurance often fails. This is where ASISTUR makes the difference
Many travelers assume that private travel insurance for Cuba will cover medical emergencies, but this is often not the case. Most private insurance:
- Excludes pre-existing conditions.
- Does not cover common travel activities unless you purchase extra coverage.
- Requires pre-authorization before treatment, which can cause dangerous delays.
- Is not accepted by many Cuban hospitals. If this happens, you may have to pay out of pocket and hope to recover your money later.
By contrast, CubaHeal travel insurance through ASISTUR offers real, practical protection.
- No upfront fee or deductible is required when you receive treatment.
- You will have guaranteed access to the international sections of some of Cuba’s best hospitals.
- You will receive immediate treatment without bureaucratic delays.
- Cuban hospitals and customs authorities fully recognize ASISTUR. It is the only Cuba travel medical insurance that provides this level of access.
This is why CubaHeal does not offer private travel insurance options. They do not provide the necessary level of protection inside Cuba, and relying on them can leave you exposed.
How CubaHeal’s field team ensures you receive the best possible care
Having good insurance is one part of the equation. You also need strong local support if a medical emergency occurs.
That is where CubaHeal’s field team provides real value. If you need hospitalization:
- We ensure that you are admitted to the best hospital available based on your condition.
- We coordinate all transportation and logistics. You will not be left to handle this alone.
- Our team acts as a translator and liaison between you and the Cuban medical staff. This ensures clear communication and helps you feel supported throughout the process.
Private insurance companies do not provide this kind of hands-on, local support. CubaHeal does, because we understand how the Cuban healthcare system operates and what patients need in real-life situations.
Why CubaHeal does not offer private travel insurance products
Some companies try to bundle private travel insurance for Cuba with baggage and trip delay coverage to make the policy look more complete. In reality, this often misleads travelers.
- Cuba does not recognize most private travel insurance at the border or in hospitals.
- Without ASISTUR, you may be required to purchase Cuban insurance upon arrival, adding an extra cost.
- Private insurance often fails when it is time to access real medical care in Cuba.
We believe it is better to be clear and honest. This is why we offer ASISTUR medical insurance for Cuba, which is fully recognized and works exactly as needed.
For everything else, including baggage and flight delays, you already have better protection through airline passenger rights. There is no need to pay for redundant or ineffective coverage.
The bottom line
When you are traveling to Cuba, you want insurance that works. Not marketing promises and not policies full of small print. CubaHeal travel insurance focuses on delivering what matters:
- Full emergency medical coverage with no upfront payments required.
- Guaranteed access to Cuba’s best hospitals.
- Full approval by Cuban customs and hospitals.
- Local support from CubaHeal’s field team during emergencies.
You already have protection for your baggage and flights through existing airline rights. That is why CubaHeal deliberately chooses not to include those items in our insurance. Instead, we give you peace of mind where it matters most: your health and your safety while in Cuba.
For full details, visit Travel Insurance for Cuba.
Frequently Asked Questions about Cuba Travel Insurance or simply Cuba Travel Insurance FAQ.
Q1: Is private travel insurance accepted in Cuba?
A1: No. Most private travel insurance policies are not recognized by Cuban hospitals or customs. Without proper coverage through ASISTUR, travelers may have to pay out of pocket or purchase Cuban insurance upon arrival.
Q2: Do I need baggage or flight delay insurance when traveling to Cuba?
A2: No. Airlines are required to cover baggage loss and flight delays under international laws and passenger rights. Extra private coverage usually adds little value and often comes with strict limitations.
Q3: What does CubaHeal travel insurance cover?
A3: CubaHeal travel insurance focuses on emergency medical coverage through ASISTUR. It guarantees access to international sections of Cuban hospitals with no upfront fees or deductibles. It also ensures full compliance with Cuban customs and healthcare regulations.
Q4: Why is ASISTUR insurance required for travel to Cuba?
A4: ASISTUR is the only medical insurance fully approved by Cuban hospitals and border authorities. It provides immediate access to care without delays or pre-payment, which private insurance often cannot guarantee.