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Notification to Visitors of Cuban Insurance Requirements

$5 US for each day of your stay

Travel insurance in Cuba is compulsory. This will be checked by an immigration offical when you arrive in Cuba. TravelCubaCaribbean offers travel insurance to all our clients. We ask you to let us know what coverage you have. If you do not have travel insurance that is valid in Cuba, we will arrange the appropriate coverage at a cost of $5 US for each day of your stay in Cuba. This charge will be itemized on our invoice.

Our Travel Insurance partner in Cuba is Asistur S.A., a Cuban organisation that specializes in various kinds of assistance to foreigners. Asistur Travel Insurance purchased through TravelCubaCaribbean 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. For instance, if you need medical treatment or even hospitalization, the voucher that we provide you is all that you need to show for free treatment anywhere in Cuba. You will also have a local 24-hour hotline to call for prompt response.

This coverage includes emergency medical treatment, hospitalization, and other standard benefits detailed on the insurance voucher you will receive by email.

This policy covers the above minimum requirements and provides the following additional coverage:

Medical Expenses Due to Illness or Accident

 

$ 7,000

 

Repatriation or Transport of Deceased Person

 

$ 5,000

 

Repatriation or Transport of Injured Person

 

$ 5,000

 

Civil Responsibility

 

$ 25,000

 

Judicial Bond Advance

 

$ 25,000

 

Accidental Death

 

$ 6,000

 

Accidental Permanent Disability

 

$ 6,000

 

Luggage Tracking Down

 

Unlimited

 

Luggage Material Loss

 

$ 400

 

Arrangement Fees for loss of documents

 

$ 300

 
 

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Items details:

HOSPITALIZATION AND MEDICAL EMERGENCIES
An amount 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 pre-existing medical condition, known or unknown by the Insured Person.

TRANSPORTATION AND REPATRIATION
An amount up to the maximum insured sum shall be paid for the accommodation and transportation of the Insured Person 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.

CIVIL LIABILITY
The Insurer 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.

BAIL BOND
A cash advance up to the maximum insured amount 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.

ACCIDENTAL DEATH OR DISABILITY
The Insurer will pay the Insured Person 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.

BAGGAGE AND PERSONAL EFFECTS

Loss or physical damage by rough handling of baggage, fire, robbery or transportation hazards are covered by the insurance policy. If the Insured Person suffers the loss of baggage during transportation by an airline that is a member of the International Air Transport Association (IATA), the Insurer will pay the total insured sum. In any case the Insured Person must present documented evidence to prove that the damage or loss occurred. Loss caused by negligence of the Insured Person is not covered.

 

General Conditions

You will receive your Travel Insurance vouchersby email and will also receive a full written policy of the insurance cover. This will be in Spanish. Here is a description of some of the more vital aspects of this policy.

COVERAGE
The insurance coverage is from the moment you arrive in the Republic of Cuba until you leave the country.

DISPUTES AND CLAIMS
Disputes are settled under Cuban laws.

ASISTUR must be notified immediately of any event that may give rise to a possible claim.

RESPONSIBILITY
The Insurer will not be responsible nor indemnify for any damage, injury, or sickness caused by persons or professionals that are not authorised by the Insurer to give medical, pharmaceutical, or legal assistance.

Exclusions

Like all travel insurance policies, there are some activities and situations for which cover is not provided.

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, prosthetics (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.

From Cover for Luggage
Loss or damage to bank notes, airline tickets, stamp collections, documents for professional qualification, ID documents, credit cards, cheques, tapes, disks, cd's, 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.

From Cover for Civil Liability
Asistur does not cover you for: Voluntary participation in fights (except in legitimate personal defence), popular movements, illegal acts; Professional or commerical 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 aeroplanes, or using a firearm; Responsibilities for damage and loss to a rented or occupied property under your care, control, or custody in any form.


High risk activities

High risk activites, for which the high risk activity supplement needs to be paid, include: contact sports, motor sports, scuba diving, caving, rock climbing, hang-gliding, skidiving, hunting, mountain climbing (using ropes or guides).

For assistance on this matter, please contact us.

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