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Cuba travel insurance

Ready to get moving? See quotes and compare travel insurance policies for Cuba from over 15 brands

Exercise a high degree of caution
Updated by Smartraveller on 16 Aug 2024

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Why do I need travel insurance in Cuba?

  • It can cover you for emergency medical treatment.
  • It can cover medical expenses caused by injuries and accidents, unless it's from an excluded activity.
  • It can pay for transport to hospital by helicopter or ambulance, as well as medical evacuations back to Australia.
  • If you're renting a car in Cuba, make sure you have car rental excess cover.
  • Theft and petty crime can occur in Cuba. Travel insurance can cover you for lost or stolen valuables. This could include rings, necklaces, phones and watches.
  • Terrorism is a risk in Cuba. A few insurers provide cover for medical and hospital expenses caused by an act of terrorism, including the cost of bringing you back home.

Looking for the best travel insurance for Cuba? Check out our award winners in 2023

Cuba travel insurance: Common exclusions

Every travel insurance policy has things you won't be covered for. Common exclusions include:

  • If you purchase cover after the incident has occurred. For example, if you take cover out after you've been injured and need medical attention.
  • Pre-existing medical conditions. If you have any major medical conditions, make sure you let your insurer know before taking out a policy. Otherwise you won't be covered for claims related to that condition.
  • You travel despite government travel advice. For example, if you travel to areas that have a warning from Smartraveller, travel insurance may not cover you.
  • Incidents that occur while you're under the influence of drugs or alcohol. For example, if you go out drinking in Havana, get injured and need medical attention, travel insurance won't cover you.
  • Driving vehicles without a licence. Like Australia, you won't be covered for medical costs or personal liability expenses if you drive without a licence in Cuba.
Washing machine on fire
Did you know?
Natural disasters such as flooding, earthquakes and tsunamis can occur in Cuba.

Will I be covered for COVID-19?

Travel insurance can cover you for COVID-19 in Cuba. A policy can cover you for the following:

  • Rearrangement costs if you catch the virus and need to change your plans. Lots of comprehensive travel insurance policies let you claim up to $5,000 towards these expenses.
  • Medical costs due to COVID-19. This can include hospital expenses and RATs if you catch COVID-19 while overseas (but you won't be covered for mandatory PCRs).
  • Expenses if you need to isolate. For example, if you catch COVID while you're overseas and need to push back your flight and stay in your accommodation longer.

How do I get cheap travel insurance for Cuba?

  • Medical only or basic policies will generally be the cheaper policies on the market.
  • Use exclusive deals or promo codes to get a discount.
  • Opt for a higher excess. This will make your policy cheaper but more expensive if you have to claim.
  • Compare across a handful of travel insurers – they're not all the same.
  • Get the most value by buying your policy early. It means you're covered for longer while paying the same price.
Our best travel insurance policies
Gary Ross Hunter's headshot
Our expert says

"When I travel, I don't want to fork out a lot for travel insurance. I always get something above the bare minimum though which usually only covers medical-only expenses. Flight disruptions and delayed luggage are really common, so look for a cheap policy that covers me for these things."

Editor, Insurance

What do I do in emergencies?

For emergencies: call 106 (police), 104 (ambulance) or 105 (fire).

In a medical emergency, call for help and then contact your insurer on their emergency assistance line.

Gary Ross Hunter's headshot
Our expert says

"Civil unrest, security risks, threat of terrorist attack and crime are a concern in Cuba, but you should still be eligible for travel insurance. It won't cover all of these situations but it can help cover medical costs, stolen belongings and much much more."

Editor, Insurance

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FAQs about Cuba

Gary Ross Hunter's headshot
Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 670 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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2 Responses

    Default Gravatar
    OthonielMay 1, 2018

    We are a group of 5 related, 2 of the guest live in Mexico and 3 of us from the United States. I just want to make sure all this is ok, we are all flying to Cuba from Mexico.

      AvatarFinder
      JoshuaMay 3, 2018Finder

      Hi Othoniel,

      Thanks for getting in touch with finder. I hope all is well for you today. :)

      I understand that you are looking for a travel insurance. Generally, it is advisable that you get your travel insurance from where you are from. In this case, since you are from the United States, then you get insurance from the United States while your relatives in Mexico get theirs in their country.

      If you are looking for travel insurance for Cuba, please feel free to use our online form to get a quote found on this page.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

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