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Complete guide to obtaining a travel health insurance plan for trips to Hawaii

Hawaii is one of the most visited places globally, with 10 million tourists in 2019. It’s a popular tourist spot with families and couples from all over the world, to spend their honeymoon or enjoy a holiday together. If you plan to visit Hawaii, include travel insurance in your holiday plan. With travel insurance for Hawaii, you can explore all the best islands and not worry about any future inconveniences. 

Do I Need Travel Insurance to Hawaii?

You don’t need travel insurance when you visit Hawaii, but it’s always in your best interest to purchase an insurance plan. Hawaii is a place that has plenty of tropical storms and hurricanes, and it’s pretty close to volcanoes. Not to mention, most vacationers in Hawaii also partake in water sports. So, having travel insurance for Hawaii will ensure you and your belongings are protected in the event of a misfortune. You can get a free quote at Insubuy.

Does My US Insurance Cover Me in Hawaii?

Your US visitor insurance plan may cover you while visiting Hawaii; you have to check with your insurance provider and see what is and is not covered. Usually, your domestic insurance will only cover medical emergencies and does not include other coverage areas that travel insurance offers (lost baggage, cancellation fees, legal fees, etc.)

Best Travel Insurance for Hawaii 

The best travel insurance policies for Hawaii are those that, in addition to basic coverage, also offers insurance for accidents caused by sports. Check out some of the best companies with travel insurance for Hawaii: 

  • Axa 
  • IMG 
  • Generali Global Assistance
  • HTH Travel Insurance

What Does Hawaii Travel Insurance Cover?

Your travel insurance plan for Hawaii will usually cover the following areas: 

  • Medical expenses and emergencies.
  • Fees for a canceled, delayed, or shorter trip. 
  • Coverage for lost, damaged, or stolen property. 
  • Legal costs in case of incidents. 
  • Water sports and surfing. 

Travel insurance for Hawaii may not cover repatriation or pre-existing medical conditions— if you must have these included, check with your insurance provider and find a more comprehensive plan. 

How Much Does Travel Insurance to Hawaii Cost?

The price for Hawaiian travel insurance goes around 4% up to 9% of your overall trip. However, you’ll notice the cost for travel insurance to Hawaii changes based on several elements. For example, the longer you plan on staying, the more you have to pay for your travel insurance plan. Plus, if you buy insurance to include more people, i.e.,e your family members, the price increases again. Finally, you’ll pay more for travel insurance if you want additional coverage for pre-existing conditions and sports. 

Is It Worth Buying Travel Insurance for Hawaii?

If you’re from outside of the US, it’s definitely worth buying travel insurance for your Hawaiian holiday. On the other hand, if you’re a US citizen, you should first check what your current insurance covers; if it offers a good policy for Hawaii, you don’t have to purchase travel insurance. However, if your coverage plan is limited, the best option is to buy an insurance policy covering your travels to Hawaii. 

Overall, buying travel insurance for Hawaii is always a good idea in the long run since it will offer you security and save you from paying massive amounts of money for any situation that may come up during your trip. 

Should I Purchase Family Insurance for Hawaii?

If you plan to go on a holiday with your family, i.e., your spouse and children, purchasing family travel insurance for Hawaii may be the best option. This will cost you less than purchasing individual insurance for everyone. However, if you are a couple going on a holiday or your honeymoon in Hawaii, you need to consider buying a travel insurance plan tailored to couples. 

Natural Disaster Travel Insurance for Hawaii

There are currently five active volcanoes in Hawaii, and in 2018 one of the biggest volcanoes erupted, causing millions of dollars of damage, and several people were injured. Additionally, thousands of people who booked their holidays in Hawaii had to cancel their trips. Unfortunately, most travel insurance does not cover trip cancellation in this case; it’s important to carefully check your insurance policy before buying. 

Volcano eruption insurance enters under the umbrella of natural disasters insurance which also includes the following: 

  • Floods 
  • Earthquakes
  • Hurricanes
  • Fires
  • Tornadoes 
  • Blizzards

Because of its climate and geographical position, some of these natural disasters are a common occurrence in Hawaii, so you need to purchase travel insurance that covers natural disasters— including trip cancellation fees resulting from any of these disasters.

Do I Need Travel Insurance When Applying For a Visa to Hawaii?

If you have to apply for a visa before visiting Hawaii, you must purchase valid travel health insurance. In rare cases, some visa application centers may not ask you to provide proof of travel insurance when you submit your application. Still, you may be required to show evidence of your somewhere down the road during your visa process and entering the country. So, you must purchase travel insurance before applying for a visa to visit Hawaii. 

Fun Things to Do While in Hawaii

You’ve booked your holiday, bought your travel insurance for Hawaii; now it’s time to explore some of the best activities that Hawaii has to offer: 

  • Whale watching. One of the most popular activities with tourists in Hawaii is whale watching. You can book a tour for you and your family and see firsthand the great annual migration of the North Pacific Humpback Whales.
  • Snorkeling. You can’t go to Hawaii without experiencing snorkeling since Hawaii is home to some of the best snorkeling spots. Plus, you get to see some of the rarest underwater animals found only in Hawaii. 
  • Visit Volcanoes. One of Hawaii’s most notable features is the National Volcano Park, where you can go and see an actual volcano eruption. The entry fee is $30 for private vehicles, and you can stay for seven days and explore the park. 
  • Ride Down Mauna Kea. Hawaii is famous for its many downhill biking trails. If you love biking and enjoy challenging yourself, don’t miss out on this favorite ride. Of course, in the unlikely event that you might get injured, you don’t have to worry since your Hawaiian travel insurance will cover your medical fees! 
  • Hike the Kalalau Trail. While this trail might be difficult for beginners, don’t miss out on one of the most beautiful sights in Hawaii if you feel the spirit of adventure. 
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