Cheap Travel Insurance is a must before you enter
Cuba because all tourist that travel to Cuba are required under
Cuban law to have purchased coverage by a Cuban Travel Medical
Insurance company. Cuban immigration officials check your insurance coverage before you arrive in Cuba at Customs. If you have proper Travel and health insurance coverage along with acceptable documentation then you will have to buy additional Cuban travel insurance from the only local insurance provider in Cuba, ASISTUR S.A. which has an office in the immigration area of the Cuban airport.
If you want to buy cheaper travel insurance its best to buy this extra coverage health insurance before you go to Cuba from an international Insurance company from this list of Travel, Health and Auto Insurance companies that that includes Cuba on the itinerary.
- RBC Travel Insurance
- Round the World Insurance
- Travel Guard
- Global Travel
- Insure My Trip
- Quote Travel Insurance
- World Nomads
The Cuban company is Asistur S.A and offers these coverage options. You should ask these questions such as exactly what is covered and how much it costs, ow to get assistance in case of accident in Cuba, what are the general conditions and what are the list of other companies that provide Travel Insurance to Cuba
The only Travel and
health Insurance partner in Cuba is Asistur S.A., the only Cuban organization that specializes in all types of assistance to tourist while they are vacationing in Cuba. Asistur Travel Insurance will give you the advantage of dealing directly with Cuban institutions without having to contact an agency outside of Cuba to confirm to a Cuban entity that you are covered. In case you need medical treatment or even hospitalization, Asistur S.A. will take care of and pay for everything for free medical and health treatment anywhere in Cuba plus you will have a local 24-hour Cuban hotline to call for prompt services while you are in Cuba. Asistur has agencies all over Cuba and in every major Cuban resort center representing over 200 insurance and assistance companies in 40 countries.
Contact Information:
- Cuban Insurance Prices and coverage limits in Cuba are all quoted in US$.
- U.S. citizens are required to take the Special Cuban Health and Travel Insurance option.
- Option Economic Super Special* Price $2/day $3/day $3.5/day
- Medical Expenses Due to Illness or Accident 5,000 7,000 25,000
- Repatriation or Transport Deceased Person 5,000 5,000 7,000
- Repatriation or Transport Ill or Injured Person 5,000 5,000 7,000
- Civil Responsibility 15,000 25,000
- Judicial Bond Advance 5,000 5,000
- Accidental Death n/a 6,000
- Accidental Permanent Disability 6,000
- Luggage Tracking Down unlimited
Luggage Material Loss 400
- Arrangement Fees for loss of documents 300
ACCIDENTAL DEATH OR DISABILITY INSURANCE IN CUBA
Cuban Insurer will pay the Insured Traveler or his/her Survivor the maximum sum in the event of any injury causing loss of life or permanent disability within 12 months of the injury. In case of an injury causing a partial and permanent disability, the Insurer will pay the Insured Person, also within 12 months of the injury, a percentage of the insured sum according to an indemnity table that is available on request.
LOST BAGGAGE IN CUBA AND PERSONAL EFFECTS
Lost or physical damage of Cuban by rough handling of baggage, fire, robbery or transportation hazards are covered by the insurance policy. If the Insured Traveller suffers the loss of baggage during transportation by any airline to Cuba that is a member of the International Air Transport Association (IATA), the Cuban Insurer will pay the total insured sum. In any case the Insured Traveller must present documented evidence to prove that the damage or loss occurred. Loss caused by negligence of the Insured Person is not covered.
Full payment of all amounts are paid in Cuba 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 existing medical condition, known or unknown by the Insured Person.
TRANSPORTATION AND REPATRIATION
Paid in Full by the Cuban Insurance company up to the maximum insured sum shall be paid for the accommodation and transportation of the Insured Traveller in case of an accident or illness during the period of insurance coverage when such an event prevents the Insured Person from leaving Cuba on the scheduled date, or if the Insured Person dies. In the event of death of the Insured Person, cost of burial, special coffins or urns are excluded.
CUBAN CIVIL LIABILITY & LAWSUITS INSURANCE
Cuban Insurer ASISTUR S.A. will pay up to the maximum insured amount if the Insured Person accidentally causes physical or material damage to a third person or his/her properties.
LOSS OF TRAVEL DOCUMENTS WHILE HOLIDAY IN CUBA
Cuban Insurer will pay up to the maximum insured amount the expenses of the Insured Traveller in obtaining new travel documents in case of loss or theft of passport, ticket or visa.
CUBAN BAIL BOND
Cuban Insurance will pay a cash advance up to the maximum insured amount or $10,000 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.
How to get Travel Insurance assistance in Cuba
In Cuba when you receive your Travel Insurance vouchers from Cuban representative, you will also receive a full written policy of the insurance cover. This will be in Spanish. Here however, is a description of some of the more vital aspects of this policy.
CUBAN TRAVEL & HEALTH INSURANCE COVERAGE
Cuban insurance coverage is from the moment you arrive in the Republic of Cuba until you leave the country.
INSURANCE DISPUTES AND CLAIMS IN CUBA
Disputes with ASISTUR S.A. are settled under Cuban laws. ASISTUR must be notified immediately of any event that may give rise to a possible claim.
CUBAN INSURANCE RESPONSIBILITY UNDER CUBAN LAW
ASISTUR the Cuban Insurer will not be responsible nor indemnify for any damage, injury, or sickness caused by persons or professionals that are not previously authorized by the Cuban Insurer to give medical, pharmaceutical, or legal assistance.
INSURANCE EXCLUSIONS BY ASISTUR S.A. IN CUBA
Cuban travel insurance policies have some activities and situations for which are not covered for your vacation in Cuba such as Medical, Transport, and Repatriation Expenses from Sickness or Accident
Asistur does not cover expenses for the following accidents and situations: War, civil or military uprising, terrorism, sabotage, strikes, detentions by authority, radioactivity, sea or mountain rescue, chronic illnesses, previously existing illnesses, congenitally recurring illnesses, prosthetic (such as contact lenses, hearing aids, glasses), pregnancy, birth, abortion, pregnancy complication, 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. This last exclusion can be covered by paying the high risk activity supplement.
Cuban Insurance Cover for Luggage
Loss or damage to bank notes, airline tickets, stamp collections, documents for professional qualification, ID documents, credit cards, documents stored on digital devices, glasses and contact lenses; Loss of objects from being forgotten or left behind, being left in a public place (or a place where other members of the public have access to) without vigilance, breakage from attempted robbery, damage caused by civil or military uprising, strikes, earthquakes, or radioactivity, damage caused by negligence including the leakage of a liquid, damage or loss caused by the confiscation by government authority; Loss or theft of hand luggage.
Insurance for Civil Liability
Asistur does not cover you for voluntary participation in fights, except in legitimate personal defense, popular movements, illegal acts; Professional or commercial activities such as selling merchandise, or providing services; from animals that are rented or lent to the insured; For intentional ingestion of drugs including alcohol, and ingestion of prescription drugs without a prescription; Piloting boats or airplanes, or using a firearm; Responsibilities for damage and loss to a rented or occupied property under your care, control, or custody in any form.
NO COVERAGE FOR HIGH RISK ACTIVITIES IN CUBA
High risk activities are NOT COVERED IN CUBA. High risk activity extra Insurance premium supplement needs to be paid for in advance of the activity, including all contact sports, motor sports, scuba diving, caving, rock climbing, hang-gliding, skydiving, hunting, mountain climbing using ropes or guides.
When it comes to Insurance in Cuba its best to be covered properly so that you can enjoy your Cuban holiday and in case something does go wrong during your vacation in Cuba then you can be at peace that you will be taken care of properly without huge hospital and medical bills.
