Every traveler needs to have a valid passport and a travel visa.
Cuba customs also requires all visitors to provide proof of an insurance policy (one that is accepted by the Cuban government, e.g. not an American policy), or purchase a Cuban health insurance policy at the airport.
Americans still need a few more permissions than people from other countries. As a citizen of the United States you must arrive with an OFAC license from the United States Treasury Department. The license will stipulate which of the 12 categories of permitted travel you have selected for your trip to Cuba.
You may be asked to present proof of your return ticket when you enter Cuba. Also be prepared to produce proof of the funds you will be using during your stay in Cuba.
Once you arrive in Cuba, you are required to have your passport and tourist visa on you at all times.
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