Cheap travel insurance to Cuba

We are going to give you our opinion and our reasons as a specialized travel agency so as not to contract cheap and basic travel insurance to travel to Cuba. We already anticipate that it is not a good idea.

First of all, it should be clarified that traveling to Cuba is very safe, because Cuba is one of the safest destinations in all of Latin America and the Caribbean, with much lower crime rates than neighboring countries and a very hospitable and calm population. If you are American or traveling to Cuba from Canada, don't worry at all, Americans can also travel to Cuba.
In fact, in 2018 Cuba was awarded at Feria FITUR Madrid with the Excellence award as the safest destination. In addition, Cuba has a good health system, and tourists are treated in the best centers in the country.

Regarding the impact of Covid-19 in Cubafigures were under control during the first and second waves. The third wave has reached Cuba harder and although its figures are lower than those of many neighboring countries, the United States or Europe, with a cumulative incidence rate of COVID-19 as of 01.31.2021 , up to 78 cases per 100,000 persons, very similar to that of Finland.

But despite Cuba is a safe country it is still important to travel well insured. We know, from our experience of years advising travelers, that you do not always pay attention to that.
You care about designing the trip of your dreams, but then later you buy the first basic insurance they offer for € 30. It is not a good decision!
We recommend that all travelers take out insurance with wide coverage and adapted to their personal circumstances and the type of trip they will make on the island. These are our recommendations to travel with peace of mind and carefree to Cuba with good travel insurance:

1 Make sure it is an adventure insurance

First of all, we assume that the basic travel insurance offered in the market, practically all exclude adventure activities in the small print, as well as rescue on the high seas or in the mountains.
So the first thing you have to do is choose an Adventure Insurance, that covers all the activities that you have programmed, and that also includes rescue on the high seas or mountains, because traveling to Cuba implies some activity at sea, be it snorkeling or riding a catamaran. Or maybe taking a walk through the beautiful valleys of Viñales... And if you are going to dive, you have to expressly request that this activity be covered, as well as horseback riding, since they are very common activities too.

2 WIDE SANITARY COVERAGE

Health care coverage is very important too. In Cuba, medical insurance is mandatory to enter the country, issued by insurance entities recognized in Cuba, which also has Covid-19 coverage.

The health expenses that may be incurred in the event of rescue and hospitalization may far exceed the basic amounts of the policies, and the insured must pay the remaining amount. The invoice must be paid in foreign currency, at high prices and often in advance. We recommend minimum coverage of € 75,000 per passenger.

3 COVID-19 COVERAGE BEFORE AND DURING THE TRIP

Check that the health care coverage includes the assistance for COVID-19 detected at destination, as we said before, it is a mandatory entry requirement. If this is the case, rest assured that you will be treated in good hospitals by excellent health professionals.

Also check that the cancellation fees include coverage for positive COVID-19 test before the trip. If when you take the PCR that the Cuban Government requires to enter the country the previous 72 hours you were positive, your insurance would cover you for the capital that you have contracted in your policy, with a maximum limit of € 5,000.

4 IF YOU DRIVE, CONTRACT LEGAL ASSISTANCE

If you are going to drive, and you are looking for a cheap rental car in Cuba, we recommend that you hire legal defense coverage, because in the event of a car accident, the possible criminal liability of the driver is settled after long legal processes during which they will not allow you to leave the country, so you will need legal defense.

5 ATTENTION TO CANCELLATION EXPENSES

If you have any last minute unforeseen event and you are forced to cancel your trip, surely the first thing you look at is what cancellation cost coverage you have contracted in your insurance.

The cancellation expense coverage will cover you only for the capital contracted in the policy, which has a maximum limit of 5,000 euros.

It depends on the reason for the cancellation, the insurance will compensate you or not, because there are only a few of authorized specific causes such as a positive Covid-19 test before the trip, serious illness, official requirements, work reasons, etc. In your policy you will have everything well detailed.

We recommend hiring a minimum coverage of € 1,500. The normal thing is that, if necessary, you incur hardly any expenses, as long as you have bought flights that allow cancellation, and accommodation with equally flexible cancellation rates. Be careful with the offers that many times do not allow changes!

And if you want more coverage, there is insurance that includes the so called Withdrawal Guarantee Coverage, covering up to 90% of the cancellation costs without having to justify any type of specific cause.

If you have closed your trip to Cuba with a travel agency, take a good look at the cancellation conditions of the travel contract, for example we have started a flexible cancellation policy to give security and confidence to our travelers.

6 WIDE CIVIL LIABILITY

Our recommendation is to contract a civil liability clause over € 100,000 for possible damages caused to third parties, and also for compensation and legal expenses.

7 OTHER COVERAGES

Of course there are many other coverages to take into account, such as loss or damage of luggage or coverage for extraordinary causes such as cyclones, among others, that you will also have to consider covering.

CHEAP TRAVEL INSURANCE TO CUBA

So is travel insurance to Cuba cheap? Well really our answer is that they are not cheap, but we do not consider them expensive in relation to the total amount of the trip. If you buy cheap travel insurance you will not be covered. The price difference is worth it, since we are talking about spending 30 euros, in one case, or spending between € 80 and € 150, depending on the number of days of your trip and the activities to be carried out.

It's up to you. The normal thing is that nothing happens and you enjoy a wonderful country, but you already know: prevention is better than cure ...

So, if you are thinking of organizing a trip to Cuba, whether it is with your familiy, with your group of friends or with your classmates, with your couple or even in your honey moon, on your own or in one of our tailor-made trips, don't miss any of our recommendations to travel to Cuba without complications.

We suggest some of our most popular organized tours , and, if possible, spend at least 10 days in Cuba, so as not to miss the essentials, and above all, we recommend that you let yourself be carried away by our tips to live the authentic Cuban culture.

And of course do not forget a good travel insurance to travel carefree and to fully enjoy Cuba !!

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