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Cuba Help

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Leave it to me to need help with the very basics. Someone please tell me I am not the only American to be completely confused by the tourist card process.

I have plane ticket. Places to stay. Paid for visa/ tourist card with plane ticket. I thought I have to fill out a form with my passport to indicate 'people to people.' I thought I found said form weeks ago. Unable to find it now. Went to Delta's FAQ's re Cuba and got routed to Cuba Embassy in DC. It said (if I am interpreting correctly) that I either go in person with copy of plane ticket and passport to the embassy for the card. Or, mail copy of passport, payment and plane ticket to the embassy. How does this square with my having already 'purchased' it?

I also paid $25 with the plane ticket for the Cuba medical insurance fee. I have read contradictory things-
one that I'm good to go on this requirement, but then also that I have to purchase travelers insurance? Which is it? Or, both?

And for the life of me I can't find a converter / adapter on Travelsmith or Amazon that says it will work in Cuba.

Sorry everyone. I am not helpless in my daily life, promise. Any hand holding is much appreciated.

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