Compare travel insurance for Cuba

Cuba is known for its music, beaches and UNESCO World Heritage Sites – but it’s also known for politics and economics we find very unfamiliar. While Cuba’s differences might seem overwhelming, travel insurance can help you feel confident that you have all the bases covered. Here’s what to think about when you compare travel insurance for going to Cuba.

Cuba is known for its music, beaches and UNESCO World Heritage Sites – but it’s also known for politics and economics we find very unfamiliar. While Cuba’s differences might seem overwhelming, travel insurance can help you feel confident that you have all the bases covered. Here’s what to think about when you compare travel insurance for going to Cuba.

Josh Daniels
From the Travel team
minute read
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Posted 29 JANUARY 2020

Do I need travel insurance for Cuba?

Travel insurance is a necessity for a trip to Cuba. Tourists are sometimes spot checked on entry and you may be asked to prove you have travel insurance for your stay in Cuba and the means to pay for medical treatment. 

Make absolutely sure that your travel policy covers you for medical care in Cuba. It should also cover any emergency care and treatment you may need if you’re taken elsewhere (such as the USA, as specialist medical equipment and resources aren’t plentiful.


The travel traffic light system currently states that trips to green and amber listed countries are legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant government.

Please note: from 4am on 4 October 2021, the current traffic light system will be replaced by a single red list of countries.

Currently, if your destination of choice is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Countries can have their traffic light status changed with short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

The FCDO currently advises against all but essential travel to red list countries. Most insurance policies purchased to cover a trip to a destination where the FCDO has instructed citizens not to travel to won’t be valid, however, some insurance providers may offer reduced cover if you’re travelling for essential purposes. Should you have any queries, please check the policy wording, or contact your chosen provider before purchasing, to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland respectively.

Find out more here

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

What should I think about when I compare Cuba travel insurance?

What do you need to consider when shopping for travel insurance for Cuba? Here’s what to look out for when comparing policies and providers:

  • Make sure the policy covers Cuba: many worldwide travel insurance policies exclude the Caribbean (along with the USA, Canada and Mexico). Ensure your policy is fully worldwide, or that Cuba is specifically mentioned as covered.
  • Water sports: from SCUBA diving to paddle boarding, the crystal waters around Cuba are the perfect location for enthusiasts. Make sure your travel insurance covers all your activities. Find out more about water sports travel insurance.
  • Medical care and repatriation: one of the most important considerations for Cuba travel insurance is comprehensive medical care and flights to get you home in an emergency. You don’t want to be left to pay your own way so far from home.
  • Cash cover: the easiest way to pay for things in Cuba is with cash, but as with every tourist destination there is the risk of pickpocketing. Make sure your policy has enough cash cover to replace your spending money.
  • Baggage cover: while Cuba is a safe and friendly destination, FCO travel advice does warn against theft during baggage handling. Make sure you have enough baggage cover for all your possessions.
  • Extreme weather: Cuba’s hurricane season runs from June to November. If a hurricane happens before you’ve bought your insurance, you’re unlikely to be able to make any claims due to it – so buy early.

Do I need a visa for Cuba?

For a holiday in Cuba you, and every member of your group – including children - need a Tourist Card. This is valid for 30 days, and you can extend it for another 30 once you’re there. 

You must get your Tourist Card in advance, either by downloading a postal application from the Cuban Embassy website or via separate companies that make the arrangements for you. Just be aware that there is a fee for the card.

Any other tips for Cuba?

Here are a few facts about Cuba that are good to know before you go:

  • Currency: there are two currencies in Cuba. There’s the Cuban Convertible Peso (CUC) which visitors use, and the Cuban Peso (CUP) which Cubans use. The CUC is worth much more, so always check prices carefully.
  • You can’t buy Cuban currency in the UK: the general advice is to bring cash from home (English banknotes only) or travellers cheques and exchange them when you get there. You can also use ATMs and cards, but check with your bank first to make sure your card is accepted in Cuba. Cards and travellers cheques from American banks are usually not accepted. Cirrus and Switch cards won’t work in most places either
  • Language: Spanish is the official language, but English will usually be spoken at resorts and large hotels
  • Vaccines: check with your doctor what vaccines you need, and check the small print of your travel insurance. You may well be recommended Hepatitis A or cholera vaccines, usually available free on the NHS
  • Tips: tipping is much appreciated in Cuba and it’s worth having plenty of 1CUC notes to hand
    • Restaurants: tip 10%, or 15% if the service was particularly good
    • Taxis: tip 10% if you haven’t already agreed a full fare
    • Hotels: tip 1CUC to a porter for carrying your bag and leave 1CUC each day for maid service
    • Spas and salons: tip 10% to your hairdresser, beautician, masseuse or spa therapist

Compare Cuba travel insurance

At Compare the Market, we can help you compare Cuba travel insurance and find the right cover at the right price. 

It’s quick and easy – so simply compare offers today and get a quote in minutes.

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