Updated on 16 September 2026 ·
source checked daily
Cuba — official level as of 16 September 2026: Level 2/4 ("Exercise Increased Caution"), from the U.S. Department of State. Maximum Insurance covers this country: hospital settled directly, unlimited repatriation, CHF 1.5M, certificate on payment.
Four official readings
United StatesState Departmentsource ↗Our reference level — the one shown across this site
Is the whole country advised against?Nono restriction on the whole country
Level 2/4 — “Exercise Increased Caution”levels 1 and 2 are advice to be careful, not travel restrictions
FranceFrance Diplomatiesource ↗Added on top of the U.S. level, under its own rules: red or orange AREAS
Is the whole country advised against?Nono restriction on the whole country
our reading: no area of the country is classified red or orange
United KingdomFCDOsource ↗Added on top of the U.S. level, under its own rules: travel statuses
Is the whole country advised against?Except for imperative reasonsthe whole country is advised against, unless the reason is imperative
our reading: all but essential travel advised against, whole country
source reviewed 16 July 2026
SwitzerlandFDFAsource ↗Advisory cited by the Maximum policy
Is the whole country advised against?Except for imperative reasonsthe whole country is advised against, unless the reason is imperative
our reading: Switzerland’s FDFA advises against tourist travel
advice published 17.02.2026
These readings do not say the same thing. The United Kingdom and Switzerland say except for imperative reasons; the United States and France say no — a 1-band gap on our comparison scale.Our comparison reading: 15 September 2026
Every country has its own scale, so we ask them all the same question: is the whole country advised against?
An advisory covering only areas of the country does not raise the answer: it stays “No”, and the area is shown in the relevant column.
The level shown on this page — and across this site — is the one published by the U.S. State Department, from 1 (normal precautions) to 4 (do not travel). France and the United Kingdom publish their own advisories, with their own rules: they add to that level, they do not replace it.
Level 2/4 — Exercise Increased Caution
Checked on 16 September 2026 · U.S. State Department
Country briefing
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The comparator
What is your current insurance?
The verdict
No area exclusion at this level — but three written limits: deductible and prior approval, 90-day cap, advance under conditions.
Exact wording (official French text): « Des Voyages vers des pays où Votre gouvernement a conseillé de ne pas voyager » — general exclusion n° 11, applying to ALL travel covers.
Travelling only once? Below three trips a year, this contract is probably not for you.
Where, exactly?
What the national level does not tell you
The level is national. Risk areas are in the state advisories below.
U.S. State Department — the full advisory details the regions concerned and the reasons (crime, terrorism, kidnapping, civil unrest)
(read the advisory)
Foreign, Commonwealth & Development Office (United Kingdom) — the United Kingdom advises against all but essential travel to the whole country · reviewed 16 July 2026 Last announced change : « New information on levels of crime and updated information about power outages ('Warnings and insurance' and 'Safety and security' pages). » (read the advisory)
France Diplomatie — France classifies no area of this country as red or orange (see the Security page)
No major event in progress is located in this country at this morning's check.
What we do locate on the map are events in progress — earthquakes and disasters reported by USGS and GDACS (UN / European Commission), which do have real coordinates. Hover a dot for details, click to open it in this briefing.
What is happening in Cuba right now
Live alerts and level changes, each with its official source. Continuously updated.
No level change recorded for this country since the log opened. The live alerts above are updated continuously.
What public sources give around La Havane: hospitals and clinics, nearest evacuation airport. In an emergency, one reflex: +41 22 ••• •• ••.
The closest to the city centre is Hospital Universitario General Calixto García, 0.3 km away. A medical evacuation would depart from Aeropuerto Internacional José Martí (HAV), 16.4 km from La Havane.
🏥 Medical network — La Havane
Hospital Universitario General Calixto Garcíaemergency department0.3 km from the centre of La Havane
Hospital Ortopédico Fructuoso Rodríguezemergency department0.3 km from the centre of La Havane · tel. +53 7 838 2788
Instituto Nacional de Oncología y Radiobiologíaemergency department0.4 km from the centre of La Havane
Instituto de Gastroenterologíaemergency department0.4 km from the centre of La Havane
Instituto Neurología y Neurocirugíaemergency department0.5 km from the centre of La Havane
Instituto de Neurología y Neurocirugía. Consulta externaemergency department0.5 km from the centre of La Havane
Instituto Nacional de Oncología y Radiobiologíaemergency department0.5 km from the centre of La Havane
Hospital Clínico Quirúrgico Freyre de Andrade (Emergencias)emergency department0.7 km from the centre of La Havane · tel. +53 7 877 5486
✈️ Aeropuerto Internacional José MartíHAV16.4 kmNearest evacuation airport from La Havane — unlimited medical evacuation and repatriation included.
💱 Currency: CUC $ · 🗣 Language: Spanish In an emergency from La Havane, your reflex remains +41 22 ••• •• •• — Full number in your client area.
None of these facilities is a Maximum Insurance “partner”, and none is presented as waiving upfront payment: this list is a reading of public map data, nothing more. A direct payment guarantee is arranged CASE BY CASE by our assistance desk, facility by facility and when the need arises — one number, +41 22 ••• •• ••.
Frequently asked questions — travel insurance Cuba
What is the official risk level in Cuba today?
Level 2/4 ("Exercise Increased Caution") according to the U.S. Department of State, retrieved on 16 September 2026. Maximum Insurance checks this official source every day.
What does Maximum Insurance do in Cuba?
The Pack VIP ($990 for twelve months, unlimited trips) covers CHF 1.5M emergency medical expenses, unlimited evacuation and repatriation, the direct payment guarantee in hospital, and a nominative certificate in the format visa applications require, Schengen included. The Pack VIP Extreme adds crisis management & security and Kidnap & Ransom (subject to eligibility).
Do I need an insurance certificate for a Cuba visa?
Many consulates require proof of international medical cover before issuing a visa — Schengen included for non-European travellers. Maximum Insurance issues the official named certificate on payment, accepted for these procedures.
What should I do if hospitalised in Cuba?
One reflex: call +41 22 ••• •• •• (24/7). Within our worldwide medical network — 45,000 medical providers — the insurer sends its direct payment guarantee: the hospital is settled directly, no deposit advanced by the traveller.
Is an Amex, Visa or Mastercard enough in Cuba?
These are travel-insurance options, with a public notice. At level 4/4 (Do Not Travel), several notices rule the trip out (Amex, exclusion no. 11; Mastercard Fortuneo, art. 5.5). Below that, the area exclusion generally does not apply — 90 days max, reimbursement afterwards, no visa certificate remain. The VIP Pack runs 12 months, pays the hospital, and issues the certificate on payment.
Are a health plan or a travel policy enough in Cuba?
A health plan treats you at home: the hospital here asks for a guarantee before admission. A travel policy has its own terms — often a territorial clause at level 4/4, and 90 days. Without the document (IPID number or PDF), we cannot say. Ask a Maximum Insurance expert to call you back.
The displayed level comes from the State Department, checked every morning. Before departure, always cross-check your country of residence's advisory: that is what your policy cites.
The level shown is the official U.S. Department of State level, checked daily. Maximum Insurance is an insurance distributor — general information, not personal advice.