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Visitor Insurance for Cuba

Visitor Insurance for Cubans Visiting the USA

Cuba's free healthcare system stops completely at the US border. Cuban visitors and immigrants need proper US health coverage from Day 1.

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The Coverage Gap

Cuba's Healthcare System Has No Coverage in the United States

Cuba's Sistema Nacional de Salud (SNS) provides universal free healthcare within Cuba — one of the world's most comprehensive domestic systems, but one that stops completely at Cuba's borders. Cuba and the United States have no bilateral healthcare agreement. A US ER visit averages $3,100; one hospital night costs $11,700. Cuban nationals visiting or recently arrived in the US carry full financial exposure: a single hospitalisation can exceed $45,000 with zero Cuban health system reimbursement.

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Cuba has one of the world's most respected public health systems — and it's completely irrelevant from the moment you land in Miami.

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$3,000+

ER Visit

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$11,700/night

Hospital Stay

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$1,500

Ambulance Ride

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$50,000+

Major Surgery

Why Tower Hill

Trusted by 60,000+ International Travelers

We partner with the top A-rated carriers so you get the best coverage, not the highest commission.

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A-Rated Carriers Only

Every plan we offer is from a financially strong, A-rated insurer — IMG, Trawick International, or WorldTrips.

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Compare & Buy in 5 Minutes

No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.

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Coverage in 151 Countries

Whether you're visiting the USA or traveling worldwide, we have a plan designed for your journey.

Our Plans

Compare Top Visitor Insurance Plans

All plans designed specifically for visitors to the USA — covering emergency medical, hospitalization, evacuation, and more.

IMG Patriot America Plus

From $1.10/day

Coverage up to Up to $1,000,000

A-rated by A.M. Best
Covers acute onset of pre-existing conditions
Emergency medical evacuation included
COVID-19 treatment covered
Deductible from $0–$2,500

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Best Value

Trawick Safe Travels USA

From $1.25/day

Coverage up to Up to $1,000,000

Comprehensive emergency coverage
24/7 multilingual assistance
Hospital direct billing available
Covers acute onset of pre-existing conditions
Renewable up to 12 months

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Premium Option

WorldTrips Atlas America

From $1.50/day

Coverage up to Up to $2,000,000

Highest coverage limit available
Ideal for seniors and longer stays
Covers urgent care and telehealth
A.M. Best A-rated carrier
Flexible deductible options

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Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.

Common Questions

Frequently Asked Questions

Do Cuban visitors to the USA need health insurance?

Yes, absolutely. Cuba's public healthcare system, while comprehensive domestically, has zero coverage in the United States. Without visitor insurance, any medical care, even a minor illness or injury, will result in a bill for the full US rate, potentially reaching tens of thousands of dollars for an emergency room visit or hospitalization.

What visitor insurance is available for Cuban visitors?

For Cuban nationals visiting the USA, excellent options include IMG Patriot America Plus, Trawick Safe Travels USA Comprehensive, and WorldTrips Atlas America. These plans provide essential medical coverage designed for the US healthcare system, offering peace of mind and protection against unexpected high costs.

Can I get visitor insurance for a Cuban relative visiting Miami?

Yes, you can easily purchase visitor insurance for a Cuban relative visiting Miami or any other US city. Our plans are available instantly online, and you'll receive all coverage documents via email, ensuring your relative has vital protection from the moment they arrive to navigate the high costs of US healthcare.

What is the minimum coverage I should get?

For visits to the USA, we recommend a minimum of $100,000 in medical coverage. US healthcare costs are among the highest in the world, and even a short hospitalization can exceed $50,000.

How do I file a claim if I need medical care?

Call the 24/7 assistance number on your insurance ID card before seeking treatment when possible. For emergencies, go directly to care — your insurer can sort out billing afterward. All major insurers we work with have direct billing relationships with US hospitals.

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