Haris Ashley
If you're travelling to Cuba, you'll need to have non-US medical insurance. Most major US airlines include this in the price of your ticket — this includes American Airlines. The insurance is provided by Asistur, a Cuban travel insurance company, and covers you for the duration of your stay in Cuba. Your boarding pass acts as proof of insurance, so make sure you keep it safe. However, the insurance provided by Asistur is limited to emergency medical issues, so if you want more coverage, you may want to consider purchasing additional travel insurance.
| Characteristics | Values |
|---|---|
| What does the insurance cover? | Medical and healthcare services for travelers, including emergency medical services and procedures, and medical evacuation. |
| What does the insurance not cover? | Non-emergency treatment, non-emergency services for pre-existing conditions, war, civil or military uprising, terrorism, sabotage, strikes, detentions by authority, radioactivity, sea or mountain rescue, chronic illnesses, previously existing illnesses, congenitally recurring illnesses, prosthetics (such as contact lenses, hearing aids, glasses), pregnancy, birth, abortion, mental illness, participation in an illegal activity, suicide or attempted suicide, self-inflicted injuries, treatment for intentional ingestion of drugs including alcohol, and medication without a prescription, consequences of surgery that was part of treatment for an accident, consequences of a sickness of any kind, accidents from participating in contact sport, motor sport, scuba diving, caving, and mountain climbing. |
| Who provides the insurance? | ASISTUR, a Cuban company that provides medical coverage included in most U.S. plane tickets. |
| How much does the insurance cost? | The cost of insurance is included in the ticket price for flights originating in the United States. The cost for medical insurance is $25 USD and appears on the price quote and ticket as tax code H3. |
| What serves as proof of insurance? | Your boarding pass serves as proof of insurance. |
| Where can I get more information? | You can verify the information on the airline's website or contact a travel insurance provider like Allianz. |
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What You'll Learn
Boarding passes as proof of insurance
When travelling to Cuba, it is mandatory to have health insurance with coverage in the area. Most major US airline providers include the cost of insurance in the ticket price. This insurance is provided by Asistur, a Cuban company that organises medical and healthcare services for travellers. Asistur medical coverage is only valid for the dates of your stay in Cuba and is limited to emergency medical issues that may arise while in Cuba. The coverage includes general emergency medical services and procedures while in Cuba up to $25,000, as well as medical evacuation from Cuba up to $7,000.
Your boarding pass serves as proof of this insurance. It is important to note that Asistur coverage is limited, and in the case of an extreme medical emergency, the coverage may not be sufficient. Therefore, travellers who wish for more coverage or who are not covered through their plane ticket purchase may want to consider purchasing additional coverage from a travel insurance provider like Allianz.
In the event that you require medical attention while in Cuba, it is important to contact Asistur as soon as possible, preferably before receiving medical attention or while still receiving it. You will not be able to make a valid claim on your insurance after you leave Cuba. Asistur does not cover expenses for various accidents and situations, including war, civil or military uprising, terrorism, sabotage, strikes, detentions by authority, radioactivity, sea or mountain rescue, chronic illnesses, previously existing illnesses, congenitally recurring illnesses, prosthetics, pregnancy, birth, abortion, mental illness, participation in an illegal activity, suicide or attempted suicide, self-inflicted injuries, treatment for intentional ingestion of drugs or alcohol, and medication without a prescription.
Additionally, Asistur's coverage for hospitalization and medical emergencies does not include treatment for pre-existing medical conditions, known or unknown by the insured person. The insurer will pay up to the maximum insured amount for costs incurred in Cuba for medical and dental emergencies, hospitalization, and treatment if the insured person becomes ill or injured through an accident during the period of insurance.
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Asistur's coverage limits
Asistur is a Cuban company that provides medical coverage that is included in most US plane tickets. The coverage is limited to emergency medical issues that arise while in Cuba and is only valid for the dates of your stay in the country.
Asistur travel insurance covers the following:
- Repatriation or transport of an ill, injured, or deceased person while in Cuba up to $15,000 (Top Tier Option). This includes monitoring and attending to a patient's condition while in transit, airline flight bookings and transportation to the airport, accommodation for healthcare providers, authorization for air ambulance landing, and coordination of air and land ambulances.
- Accidental death or permanent disability while in Cuba up to $6,000 (Top Tier Option). This includes any injury causing loss of life or permanent disability within 12 months of the injury. In the case of partial and permanent disability, Asistur will pay a percentage of the insured sum according to an indemnity table.
- Loss of travel documents up to the maximum insured amount. Asistur will pay for expenses incurred in obtaining new travel documents in case of loss or theft of passport, ticket, or visa.
- Bail bond up to the maximum insured amount in case a Cuban Court of Justice rules that one is required as a result of a legal process started against the insured person for criminal liability in an accident.
- Baggage and personal effects up to the total insured sum. This includes loss or physical damage by rough handling of baggage, fire, robbery, or transportation hazards.
- Hospitalization and medical emergencies up to the maximum insured sum. This includes medical and dental emergencies, and hospitalization and treatment for illness or injury through an accident during the period of insurance. Asistur will not cover pre-existing medical conditions.
Asistur does not cover expenses for the following:
- War, civil or military uprising, terrorism, sabotage, strikes, detentions by authority, radioactivity, sea or mountain rescue.
- Chronic illnesses, previously existing illnesses, congenitally recurring illnesses, prosthetics (such as contact lenses, hearing aids, glasses), pregnancy, birth, abortion, pregnancy complications, mental illness, participation in illegal activity, suicide or attempted suicide, self-inflicted injuries, treatment for intentional ingestion of drugs including alcohol, and medication without a prescription.
- Consequences of surgery that was part of treatment for an accident, consequences of a sickness of any kind, accidents from participating in contact sports, motorsports, scuba diving, caving, and mountain climbing. This last exclusion can be covered by paying the high-risk activity supplement.
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Non-US insurance
Travel insurance is essential for those travelling from non-US countries to Cuba for several reasons. Cuba has high healthcare costs, and your regular health insurance may not cover you. Travel insurance helps prevent unforeseen medical expenses and allows access to quality care. It covers medical emergencies, repatriation of remains, and emergency medical evacuation. It is also important to note that Cuban authorities have the power to perform random PCR tests on any visitor arriving in Cuba. If the visitor tests positive, they will be required to enter a mandatory quarantine at a government facility or hospital at their own expense.
Additionally, travel insurance covers trip cancellations, lost or delayed baggage, travel delays, and personal liability. It provides financial protection and peace of mind in case of unforeseen circumstances. It can also cover natural calamities and political turbulence, including emergency evacuation and extended stays due to these events.
When purchasing travel insurance for Cuba, it is important to consider the activities you plan to engage in and any potential risks. For example, if you plan to participate in high-risk activities or visit during hurricane season (June 1 to November 30), you may need additional coverage.
Finally, it is recommended to carefully review the terms and conditions of your insurance policy to understand any exclusions or limitations, such as pre-existing medical conditions or specific activities that may not be covered.
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Purchasing additional insurance
It is essential to purchase travel insurance for your trip to Cuba. While some US airline providers include the cost of insurance in your ticket price, this coverage is limited to emergency medical issues that arise in Cuba. This policy does not include non-emergency treatment or services for pre-existing conditions.
Therefore, if you wish for more coverage, you may want to purchase additional insurance. You can do this from travel insurance companies, agencies, airlines, credit cards, or a Cuban insurer like Asistur, which is available at Havana Airport. Asistur covers medical expenses, emergency treatment, and more, with prices starting at $1 per day.
When purchasing additional insurance, it is advisable to do so well in advance. This ensures that you have cancellation cover in place in case anything unexpected happens before your trip. It is also crucial to declare all pre-existing medical conditions when purchasing your policy, as failing to do so could void your insurance.
Other companies that offer travel insurance for Cuba include Insubuy, IMG Global, and Allianz. These companies offer policies that are accepted on the island, but remember to confirm acceptance with Cuban authorities before travelling.
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Insurance for Cuban-born travellers
Cuban-born travellers must have a visa and health insurance with coverage in Cuba. Most major US airline providers include the cost of insurance in the ticket price. Your boarding pass serves as proof of insurance. The Cuban company ASISTUR provides the medical coverage that is included in most US plane tickets. ASISTUR medical coverage is only valid for the dates of your stay in Cuba and is limited to emergency medical issues. This policy does not include non-emergency treatment or non-emergency services for pre-existing conditions.
ASISTUR coverage includes general emergency medical services and procedures while in Cuba up to $25,000, as well as medical evacuation from Cuba up to $7,000. This travel medical insurance coverage is limited, and in the case of an extreme medical emergency, this coverage may not be sufficient. For travellers who wish for more coverage or who are not covered through their purchase of a plane ticket, additional coverage can be purchased from a travel insurance provider like Allianz.
ASISTUR does not cover expenses for accidents and situations relating to war, civil or military uprising, terrorism, sabotage, strikes, detentions by authority, radioactivity, sea or mountain rescue, chronic illnesses, previously existing illnesses, congenitally recurring illnesses, prosthetics (such as contact lenses, hearing aids, glasses), pregnancy, birth, abortion, pregnancy complications, mental illness, participation in an illegal activity, suicide or attempted suicide, self-inflicted injuries, treatment for intentional ingestion of drugs including alcohol, and medication without a prescription, consequences of surgery that was part of treatment for an accident, consequences of a sickness of any kind, accidents from participating in contact sports, motorsports, scuba diving, caving, and mountain climbing.
The insurer will pay up to the maximum insured amount for expenses incurred in obtaining new travel documents in case of loss or theft of passport, ticket or visa. A cash advance up to the maximum insured amount will be granted by the insurer in case a Cuban Court of Justice rules that a bail bond is required as a result of a legal process started against the insured person for criminal liability in an accident. An amount up to the maximum insured sum will be paid for costs incurred in Cuba for medical and dental emergencies, and for hospitalization and treatment, if the insured person becomes ill or suffers injury through an accident during the period of insurance. The insurer will not assume payment for treatment of a pre-existing medical condition, known or unknown by the insured person. Loss or physical damage by rough handling of baggage, fire, robbery or transportation hazards are covered by the insurance policy.
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Frequently asked questions
Yes, it is mandatory to have non-US medical insurance to enter Cuba.
Most major US airline providers include Cuban medical insurance in the ticket price for flights originating in the US. Your boarding pass serves as proof of insurance.
The Cuban medical insurance included in your airline ticket provides basic medical coverage for emergency medical issues that may arise while in Cuba. This includes general emergency medical services and procedures up to $25,000, as well as medical evacuation from Cuba up to $7,000. It is important to note that this coverage is limited and may not be sufficient in the case of a major emergency. Additionally, it does not cover pre-existing conditions or non-emergency treatment.
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