Did you know? If you’re traveling to Cuba from outside the USA, you might have to pay upfront for any medical care you need while you’re there. Unlike U.S. travellers, whose medical insurance is included automatically with their flight in partnership with Cuba’s official insurer, ASISTUR, travelers from other countries need to be aware of how medical coverage works in Cuba.
Here’s the scoop:
Cuba requires tourists without formal contracts between their insurance provider and ASISTUR to pay out-of-pocket first for any medical services received whether at a resort clinic or a hospital and then seek reimbursement from their insurance provider once they return home. This can lead to unexpectedly high expenses and a tricky reimbursement process, often with handwritten receipts that may not meet your insurer’s requirements.
What is ASISTUR?
ASISTUR S.A. is Cuba’s official insurance agency coordinating medical coverage for travellers across the island. They provide 24/7 emergency assistance, hospital care, medical evacuation, repatriation services, and much more to visitors covered under their plans.
How to avoid upfront payments? Confirm with your insurance provider that they have a formal contract with Cuba’s ASISTUR. This is essential to gain direct medical coverage without paying first. If your insurer does not have this formal tie (which is often the case with many credit cards, Canadian provincial Medicare, UK NHS, and many private insurers), you will need to pay upfront and then file for reimbursement afterward.
Our Recommendation
For peace of mind and hassle-free coverage, we strongly suggest purchasing recognized travel health insurance through Solways Cuba. This affordable plan is underwritten by ESICUBA and administered with ASISTUR, guaranteeing:
No upfront medical payments required Coverage starting at just $1-$2 USD per day No age or pre-existing condition surcharges Medical coverage including emergencies and COVID-19
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