Best Travel Insurance for Cuba Visitors (2026 Guide)

Cuba is one of the few countries in the world that **mandates travel insurance for all incoming visitors**. If you arrive without proof of coverage, you may be required to purchase a policy at the airport from a state-approved provider — often at inflated prices with limited coverage.

This guide explains Cuba's insurance requirement, compares the best policies for 2026 travelers, and helps you avoid common pitfalls that could leave you underinsured on the island.

Cuba's Mandatory Travel Insurance Requirement

Since 2010, Cuba has required all foreign visitors to carry valid travel insurance that includes **medical coverage for the duration of their stay**. Here is what you need to know:

**Pro tip:** Carry a printed copy of your insurance documents. Internet access in Cuba is unreliable, and digital copies may not be accessible when you need them.

Why Standard Travel Insurance May Not Work in Cuba

Cuba presents unique challenges that many standard policies do not adequately address:

The US Embargo Factor

For American travelers or those using US-based insurance providers, the **trade embargo** creates complications. Many US insurers cannot directly process payments to Cuban medical facilities. Even non-US travelers should verify their insurer has no US parent company that could block claims.

Limited Medical Infrastructure

While Cuba has a well-trained medical workforce, facilities outside Havana and Varadero can be **basic**. Serious cases often require evacuation to Miami or Mexico City, which costs €15,000-€50,000.

Payment Requirements

Cuban hospitals typically require **upfront cash payment** before treatment. Your insurance must offer:

Best Travel Insurance Providers for Cuba in 2026

Comparison Table

|---|---|---|---|---|

Which Provider Is Right for You?

For a broader comparison, check our complete [travel insurance guide](/blog/travel-insurance-guide-2026).

What Your Cuba Travel Insurance Must Cover

Essential Coverage Elements

Optional but Recommended

Pack a reliable [waterproof document holder](/go/amazon/B0DQQ7VYH5) to keep your insurance documents, passport, and medical records dry and secure during your Cuba trip.

Tips for Using Insurance in Cuba

Before You Travel

If You Need Medical Care in Cuba

For more on handling medical emergencies abroad, see our [emergency travel insurance guide](/blog/emergency-travel-insurance-guide).

Common Cuba Insurance Mistakes to Avoid

FAQ

Is travel insurance really mandatory for Cuba?

Yes. All visitors to Cuba must have travel insurance that covers medical expenses. While enforcement can be inconsistent, customs officials do check, and arriving without coverage means buying an expensive policy at the airport.

Can I buy Cuba travel insurance at the airport?

Yes, you can purchase coverage from Asistur at major Cuban airports. However, these policies are more expensive and have lower coverage limits than policies you can buy in advance. Always arrange insurance before your trip.

Does US travel insurance work in Cuba?

Some US-based policies work in Cuba, but many do not due to the trade embargo. IMG Patriot and certain Lloyd's of London underwritten policies are known to work. Always confirm with your insurer before traveling.

How much medical evacuation coverage do I need for Cuba?

We recommend a minimum of €100,000 in medical evacuation coverage. Emergency flights from Cuba to Miami can cost €15,000-€50,000 depending on the medical condition and required level of care.

Will my European Health Insurance Card work in Cuba?

No. The EHIC only works within the EU/EEA. Cuba requires private travel insurance for all visitors regardless of nationality.