Covered Risks and Coverage Limits

Medical Expenses

Coverage Limit: $25,000.00 USD
Includes:

• Medical-surgical expenses resulting from a sudden illness or accident.
• Dental expenses: Covered up to a limit of $21.00 USD for emergency treatments due to infection, pain, or trauma.
• Pharmaceutical expenses.
• Hospitalization expenses.
• Initial urgent care for pre-existing conditions.
• Accommodation expenses for an accompanying person when the insured is a child and/or incapacitated.
• Medical expenses for a pregnant insured presenting a medical emergency, provided no negligence is involved.
• Convalescence expenses, when prescribed by the treating physician, for five or more days of hospitalization, including an accompanying person for children and/or incapacitated individuals (limited to accommodation expenses).
• Expenses related to COVID-19 treatment.

Repatriation and Transportation

Coverage Limit: $5,000.00 USD
Includes:

• Transportation of the insured to the nearest hospital with necessary facilities. The mode of transport will be decided by the Assistance Company in coordination with the medical team.
• In case of death, arrangements and transportation of the body to the place of origin of the trip.
• Penalties for changing the return ticket date if hospitalization prevents the insured from returning on the scheduled date.
• Transportation of a family member to accompany the insured during hospitalization for more than ten days, provided the hospitalization period is within the coverage duration plus seven additional days (economy class air ticket).

Liability

Coverage Limit: $10,000.00 USD
Includes:

• pecuniary compensation for bodily or material damage caused involuntarily to third parties, as well as professional fees for the defense of the insured.

Advance of Bail

Coverage Limit: $5,000.00 USD
Includes:

• The insurer will provide a loan without additional charges if the insured is required to pay bail for criminal responsibility in an accident.

Loss of Travel Documents

Coverage Limit: $1,000.00 USD
Includes the costs associated with:

• Reissuance of passport, visa, and air ticket if they are damaged or lost.
• Penalty fees imposed by the airline for lost or mislaid airfare

1. Services not requested from the insurer.
2. Treatments and medical checkups unrelated to the nature of the illness or injury.
3. Incidents caused by the insured’s or policyholder’s deliberate actions or by those traveling with the insured.
4. Pre-existing physical-mental disabilities and chronic conditions, except for urgent medical care.
5. Intentional ingestion or administration of toxins (drugs), alcoholism, or use of medications without a prescription.
6. Prosthetics, anatomical parts, orthopedic devices, hearing aids, and glasses.
7. Pregnancy, childbirth, and abortion, regardless of cause, except for emergency medical care, provided it is not due to negligence.
8. Special coffins and burial and ceremony expenses.
9. Incidents during war (declared or not), demonstrations, popular movements, terrorism, sabotage, and strikes.
10. Participation in dangerous competitions, training, tests, betting, and hazardous hobbies, except for athletes officially participating in competitions or training.

An additional premium of $3.00 USD per day is required for persons aged seventy or older and for travelers intending to participate in high-risk activities, sports competitions, training, and hazardous hobbies during their stay in Cuba.

1. Cancelation is due to interruption caused by either the country you are departing from, the Republic of Cuba, the departing airport or airliner.
2. Provides evidence of valid medical insurance in Cuba. or
3. Written denial of visa or visa extension

Unlike conventional travel insurance policies that leave travelers to navigate a foreign medical system on their own, CubaHeal provides 24/7 personalized field support through our dedicated staff stationed in Cuba.

This exclusive service includes:

 24/7 Personalized Field Support
 Arranging ambulances or private transportation (at a reasonable cost)
 Organizing treatments at appropriate hospitals
 Acting as a translator between patients and medical teams
 Coordinating medical logistics and follow-up care
 Communicating directly with the traveler’s family abroad, if necessary

No other travel insurance facilitator currently offers this level of hands-on, on-the-ground assistance for travelers in Cuba