Visitors Insurance for Cuban Visitors in Florida
1,400,000+ Cuban Americans live in the US. When family visits Miami, one uninsured ER visit costs $3,500–$14,000. Get covered from $38–$80/month.
Cuban Visitors in Florida: What You Need to Know
Greater Miami is home to over 1.4 million Cuban-Americans — the largest Cuban diaspora outside of Cuba itself. Hialeah is over 70% Cuban-American. Cuban visitors to Miami range from tourists and B-2 visitors to recently arrived parolees. Cuba's SNS healthcare system provides zero coverage in the US, and Jackson Memorial Hospital (Miami's public Level 1 trauma center) bills at full Florida rates. A single night in the ICU there exceeds $22,000.
Community Size
1,400,000+
Cuban Americans in US
Typical Stay
1–3 months
Average visit length
Common Visa
B-2 tourist visa
Most common entry type
Key Neighborhoods
Hialeah
Florida hub
Why Cuban Visitors Need Insurance in Florida
Why Cuban Families Visit Florida
- ✓Miami-Dade has the largest Cuban-American community in the world
- ✓Visiting family in Hialeah, Little Havana, and Coral Gables
- ✓Family reunification visits for recently arrived Cuban parolees
- ✓Medical travel — some Cubans seek US specialty care unavailable at home
Hub neighborhoods: Hialeah, Little Havana, Coral Gables, Westchester, Homestead
Real Healthcare Costs in Florida (FL)
Key fact for Florida: 1,400,000+ Cuban Americans live in the US, and Florida is one of their top destinations. Jackson Memorial Hospital is world-class — but without insurance, a single admission averages $20,000–$80,000. Plans for Cuban visitors start from $38–$80/month.
Best Plans for Cuban Visitors in Florida
All plans available from Tower Hill — licensed in Texas (#2608479TX). Coverage from $38–$80/month for visitors to Miami and all of Florida.
Visitors Care (IMG)
Coverage
Up to $100,000
Price
From $1.50/day
Pre-Existing
Acute onset covered
Best For
Budget-conscious visitors
Patriot America Plus (IMG)
Coverage
Up to $1,000,000
Price
From $2.20/day
Pre-Existing
Acute onset covered
Best For
Most visitors — best value
Safe Travels USA (Trawick)
Coverage
Up to $150,000
Price
From $1.80/day
Pre-Existing
Acute onset covered
Best For
Short trips under 90 days
Atlas America (WorldTrips)
Coverage
Up to $2,000,000
Price
From $2.50/day
Pre-Existing
Acute onset covered
Best For
Senior visitors 60+
| Plan | Max Coverage | Price | Pre-Existing | Best For |
|---|---|---|---|---|
Visitors Care (IMG) | Up to $100,000 | From $1.50/day | Acute onset covered | Budget-conscious visitors |
Patriot America Plus (IMG) Most Popular | Up to $1,000,000 | From $2.20/day | Acute onset covered | Most visitors — best value |
Safe Travels USA (Trawick) | Up to $150,000 | From $1.80/day | Acute onset covered | Short trips under 90 days |
Atlas America (WorldTrips) | Up to $2,000,000 | From $2.50/day | Acute onset covered | Senior visitors 60+ |
Frequently Asked Questions — Cuban Visitors in Florida
Do Cuban visitors to Florida need health insurance?
Cuban citizens are not covered by US Medicare or Medicaid. A single ER visit in Florida can cost $3,500–$14,000. Visitors insurance is strongly recommended — and some visa types (J-1, J-2) legally require it.
How much does visitors insurance cost for Cuban visitors to Florida?
Plans typically cost $38–$80/month per person depending on age, coverage amount, and deductible. Older visitors (65+) pay more. Most families find comprehensive coverage for under $5/day per person. Short trips of 2–4 weeks can cost as little as $25–$60 total.
What visa do most Cuban visitors use when coming to Florida?
Most Cuban visitors enter on a B-2 tourist visa, Cuban Family Reunification Parole (CFRP), humanitarian parole. A typical visit lasts 1–3 months. Regardless of visa type, US health insurance does not automatically apply — you must purchase a separate visitors insurance policy.
Does visitors insurance cover pre-existing conditions in Florida?
Most plans cover acute onset of pre-existing conditions — sudden, unexpected emergencies like a heart attack, stroke, or diabetic crisis. Routine care for chronic conditions is not covered. This is critical for older Cuban visitors who may have diabetes, hypertension, or heart disease.
Which hospital would my family member use in Florida?
Jackson Memorial Hospital is one of the top facilities in Florida. Most visitors insurance plans work at any licensed US hospital — you're not restricted to a network in an emergency. In a non-emergency, some plans have preferred networks that reduce your out-of-pocket costs. Call (832) 856-1704 for guidance.
My Cuban relative just arrived in the US on a parole program. Do they need visitors insurance?
Yes — Cuban parolees are in the US legally but typically do not have health insurance until they apply for and receive Medicaid or other coverage (a process that can take 30–90 days). During that gap, visitors insurance is essential. Call us at (832) 856-1704 and we can help identify the right short-term plan to bridge the gap.
Protect Your Family's Visit to Florida
Licensed travel insurance agent • TX #2608479TX
IMG, Trawick International & WorldTrips — serving Cuban visitors to Miami and all of Florida