Holiday insurance for Cuba is more than a nice-to-have. You can’t enter the country without it! Our award-winning policies² meet Cuba travel insurance requirements – and a whole lot more! Snorkel in the Caribbean. Hike in the rainforest. With over 100 activities covered as standard, take us with you and embrace your Cuban adventure.
What is Cuba travel insurance and do you need it?
Blissful beaches. The heritage of Havana. Cuba holidays blend the best of the Caribbean with Latin American culture.
Our travel insurance for Cuba covers your trip to this fascinating country. You need it because travel insurance with medical cover is compulsory in Cuba. Tourists may be spot-checked on arrival. Without proof of insurance, you may have to buy a new policy from an official state supplier. You could even be refused entry.
But finding the right policy before you go does more than get your passport stamped. It can help you enjoy everything this unique Caribbean island has to offer.
The best travel insurance for Cuba from the UK covers you for a range of incidents. Here’s what makes it a must:
Covers repatriation: Decades of trade embargoes have had a knock-on effect on Cuba’s healthcare. Standards are better in Havana than elsewhere in the country. But the FCDO reports medication shortages. Cuba insurance with repatriation cover is vital if you need to fly home for emergency treatment. Without it, you could be counting the cost. ABTA estimates the cost of an air ambulance from outside the EU to be £65,000 – £74,000.
Covers medical expenses: From dengue fever to rabies, travel to Cuba comes with certain health risks. Our travel insurance to Cuba covers up to unlimited emergency medical expenses³. It also provides access to our 24-hour medical emergency helpline.
Covers trip disruption: Cuba is prone to extreme weather. 37 hurricanes have hit the island country since 2000. Cuba travel insurance with natural disaster cover can help if your trip doesn’t go to plan. Just remember to buy it when you book your trip. If a hurricane happens before you’ve bought your policy, you won’t be able to make a claim.
Covers your belongings:Crime levels in Cuba are lower than in the UK. But the FCDO reports that airport baggage handling thefts and muggings are on the increase. Travel insurance for Cuba can help replace your possessions if they’re stolen. If you’re taking anything precious, gadget cover protects your valuables, up to £2,000.
Covers cash: Restricted access to traditional banking services means cash is king in Cuba. The Cuban peso (CUP) is the only legal tender. It’s a closed currency, so you can’t buy it outside the country. Our Cuba travel insurance covers you if your cash is lost or stolen.
Helps you make the most of your trip: Cuba is a paradise for the adventurous. Whether you plan to hike, cycle, or kayak, we can cover 100 different activities at no extra cost. We also have cover for more adventurous activities.
Make sure the policy you’ve chosen covers you for all the activities you have planned. Our policy wording provides full terms and conditions of what is and isn’t included.
We will consider all pre-existing medical conditions. Find out more about medical travel insurance.
The excess and amount of cover available varies depending on the level of travel insurance you buy. Check the policy wording to see the full terms and conditions.
What’s not covered?
Each provider will have different things it can or cannot include in a policy. However, there are some situations travel insurance will not cover. For example:
You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
All our travel insurance policies include cover for cancellation of your trip. There may, however, be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
Soak up the sun or sway to the salsa. Cuba has something for every traveller. Flexible options from InsureandGo help you get the most out of your holiday. Can’t work out what you need? Here’s what we’d suggest.
Teeing off in the sunshine? Nothing beats playing a round with views of the Caribbean Sea. Adding golf insurance covers your clubs and green fees.
Cruising the Caribbean?Cruise holiday insurance can protect you against cruise-specific mishaps in Cuba. It includes cabin confinement, cruise interruption, itinerary changes and more.
Cuba just the start of your adventure? Worldwide travel insurance can cover your trip. You’ll need to opt for a worldwide policy that includes the USA, Mexico, Canada, and the Caribbean.
Make sure you read our policy wording for more information on what is and isn’t included.
How to book our travel insurance for Cuba
Getting a Cuba insurance quote for your tropical trip is quick and easy.
A. Tell us a few details about your trip
Let us know where and when you’re going, and who you’re travelling with. Then tell us about any pre-existing medical conditions you wish to cover.
You can do this online now or by calling our team:
You can buy your travel insurance right away, or save the quote for later. The choice is yours!
“With its lively culture and stunning scenery, Cuba is the destination of a lifetime. Travel health insurance to Cuba is a mandatory entry requirement. But insurance does more than cover medical emergencies. Travel insurance tailored to your itinerary lets you take part in Cuba’s thrilling adventures. It also covers personal money – and that’s a real essential when you’re in a country where cash is king!”
“I have used InsureandGo several times before and found they offer the best cover at the best prices! They have beaten the competition by quite a long way for my forthcoming holiday in Cuba!”
Travel insurance for Cuba with pre-existing medical conditions
Timing your medication on a long-haul flight. Finding ways to stay cool in hot and humid Havana. If you’re travelling to Cuba with a pre-existing medical condition, you may have a few extra items on your travel to-do list!
The FCDO has its own advice. It says those with a pre-existing health condition should not expect to buy their medication in Cuba. It suggests taking a letter from your GP outlining your treatment and medication dosage.
At least getting your travel health insurance to Cuba is quick and easy. At InsureandGo, we’ll consider all medical conditions, includingCOPD, heart conditions, diabetes andasthma.
We can even cover your trip for multiple pre-existing health conditions. Just tell us all your conditions. We’ll create a quote that works for you.
To ensure you get the cover you need, we will ask you a few questions about your condition/s during the medical screening. Things we may ask include:
When were you first diagnosed?
Are you currently taking medication for your condition?
Have you been admitted to hospital for this condition?
You must declare all your pre-existing medical conditions when you buy your Cuba travel insurance. Otherwise, you won’t be covered if you have an emergency related to your condition while away.
Frequently asked Questions on Cuba Travel Insurance
Do you need proof of insurance when visiting Cuba?
Yes, you need to bring proof of insurance with you when visiting Cuba. Make sure you have a printout of your insurance certificate with you. It’s a good idea to pack it in your hand luggage. Tourists are sometimes spot-checked on entry. If you can’t prove you’re insured, you may be refused entry. Or you may have to buy a new policy from the state insurer.
Do I need travel insurance for Cuba?
Yes, you need travel insurance for Cuba. And it’s not just recommended, it’s a mandatory entry requirement. At InsureandGo, you can get Cuba travel insurance as a single-trip policy. Or you can buy it as part of a worldwide annual multi-trip policy.
The level of policy cover you go for: At InsureandGo we offer four levels of cover. Choose from Budget, Silver, Gold and Black.
Trip duration: The longer you’re travelling, the greater the odds of a claim.
Any policy add-ons you need: Our flexible policies give you additional cover if you need it. These optional add-ons can cover everything from gadgets to golf.
Travel insurance to Cuba is more expensive than UK or European policies. In Europe, British citizens can apply for a free Global Health Insurance Card (GHIC). This allows them to access state healthcare. In Cuba, healthcare is not free and can be expensive. Repatriation costs are much higher.
But there are ways to make travel insurance to Cuba more affordable. If you’re travelling with your partner, a couples travel policy could be cost-effective.
Think carefully about your travel plans. For example, an annual European policy may be more affordable if you’re planning many trips to Europe and one holiday to Cuba. You can then arrange a separate single trip policy for your visit to Cuba.
Call our team on 0808 281 0594 or get a quick and easy quote online now.
Does standard holiday insurance cover adventure activities in Cuba?
Cuba is the perfect destination for an adventure-filled getaway. You may wish to go snorkelling, surfing or even zip-lining through its tropical forests. For those who enjoy hiking, the country’s national parks offer breathtaking trails.
Check the policy wording to see if your activities are covered. If you can’t see your activity listed, give us a call.
Does the GHIC cover medical treatment in Cuba?
No, the Global Health Insurance Card (GHIC) does not cover medical treatment in Cuba. The GHIC provides necessary state healthcare in the European Economic Area (EEA) and some other countries. Cuba is not included in the list of countries where the GHIC is valid.
For travel to Cuba, you need travel insurance that covers emergency healthcare costs. It should also cover the cost of medical repatriation if you need to fly home. This will ensure you’re fully protected if any medical emergencies crop up during your trip.
Who can buy an InsureandGo Cuba travel insurance policy?
All our Cuba travel insurance policies are available to UK residents. This means:
Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
If you’ve got more questions about how our Cuba travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
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* Discount excludes any premium generated to cover medical conditions or optional extras. This offer cannot be used in conjunction with any other offer. Ends 31/12/25. Terms and conditions apply.
