Havana Travel Insurance
Everything you need to know before your trip
Healthcare Cost Level
Very Low
Avg. ER Visit
$100
Recommended Coverage
$50,000
Evacuation Risk
Low
Insurance Coverage Warning
Some US insurers cannot cover Cuba due to sanctions. Verify your policy covers Cuba specifically.
Healthcare in Havana
What to expect if you need medical care
Healthcare in Havana is adequate and very affordable by international standards. An ER visit costs about $100, and a day in the hospital runs around $80. However, English is not widely spoken in medical settings, so communication may be challenging. While the quality of care is sufficient for most needs, facilities may not match what you're used to at home. Keep this in mind when exploring things to do in Havana, from visiting Old Havana to enjoying Havana nightlife or relaxing at nearby beaches.
What Your Policy Should Cover
Country-specific considerations for Havana
Since there are no specific risks or activity warnings for Havana, your insurance should focus on complete medical coverage. Even if you're just planning to enjoy Havana restaurants, explore where to stay in Havana, or take Havana day trips, you’ll still need to meet the legal insurance requirement. Make sure your policy includes Cuban medical system documentation for claims, and verify that your insurer covers Cuba—some U.S. providers exclude it due to sanctions.
How Much Coverage Do You Need?
Our recommendation based on Havana's healthcare costs
With healthcare costs being very low—just $100 for an ER visit and $80 per hospital day—you might wonder why $50,000 is recommended. The reason is that while evacuation risk is low, medical emergencies can still escalate. A week-long hospital stay plus potential evacuation could quickly add up. The $50,000 coverage provides a comfortable buffer without being excessive, ensuring you're protected while enjoying Havana weather, food, and free things to do in Havana Cuba.
Minimum
$25,000
Basic emergencies only
Recommended
$50,000
Full protection
Making a Claim in Havana
Tips for smooth claims processing
Documentation Required: All claims must go through Cuban medical system documentation
- Ensure your insurer specifically covers Cuba—some U.S. providers exclude it due to sanctions.
- Keep all receipts and documentation from Cuban medical facilities; claims must go through the Cuban medical system.
- Carry a printed copy of your insurance policy in Spanish if possible, to ease communication at Havana clinics or hospitals.
- If you need care, ask for detailed medical reports in Spanish—this is essential for filing claims later.
Get Covered for Havana
Travel insurance is required to enter Havana. Get your coverage sorted before you go.
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