If you are wondering if you need travel insurance for Hawaii in 2023, this article will help you make a decision. In our opinion as residents of Hawaii, travel insurance is highly recommended in order to protect your financial investment into your trip.

Do I Need Travel Insurance For Hawaii In 2023?

Disclosure: Immersed in Hawaii contains affiliate links, meaning that when you make a purchase, we earn a small commission at no cost to you. For more info, see our Privacy Policy.

Do I Need Travel Insurance For Hawaii?

You are in the right place! We are from Hawaii and will walk you through everything you need to know about travel insurance for Hawaii. 

First, let us preface by saying travel insurance is NOT mandatory for your trip to Hawaii. There is also no legal requirement to have travel insurance for your trip to Hawaii.

However, many travelers to Hawaii end up buying travel insurance for peace of mind knowing that their trip is 100% covered. The average cost for a couple traveling to Hawaii is roughly $4,000 for ONLY the plane ticket, hotel, and car. Because of these high expenses, most people do not want to risk losing their capital due to a cancellation. 

A better question to ask is SHOULD I have travel insurance for a trip to Hawaii? As you will see in this article, the answer to that is a big YES!

What Is The Best Travel Insurance For Hawaii?

The best way to find travel insurance for Hawaii is through Visitors Coverage. This company is the best site to compare different travel insurance packages on a single platform to help you find the best deal. 

The functionality of the website allows you to customize your Hawaii travel insurance plan to your specific needs.

Visitors Coverage compares travel insurance policies from different companies to help you find the best deal. If you are wondering "do I need travel insurance for Hawaii?", we highly recommend using Visitors Coverage.

Plans on Visitors Coverage range from classic travel insurance for medical coverage to extended trip insurance for trip cancellations, missing baggage, and other emergencies.

What Is The Difference Between A Travel Medical Insurance Policy And A Trip Insurance Policy?

If you are traveling to Hawaii from the United States, you should have trip insurance rather than travel medical insurance.

Travel medical insurance is a policy for international travelers from outside of the United States. This type of insurance will cover any unforeseen medical injuries or illnesses that occur on your trip. Although, it is important to note that this policy type does not cover any trip cancellations.

Travel trip insurance is a policy for travelers from the United States. It will primarily cover your financial investment into the trip in the event that you are forced to cancel a trip or miss a flight. Trip insurance also includes medical coverage at varying rates depending on the policy type you select. 

With Visitors Coverage, you are able to customize your policy coverage based on your specific needs.

5 Reasons Why You Should Buy Travel Insurance

If you are wondering "do I need travel insurance for Hawaii?", 5 reasons to get travel insurance are trip cancellation, travel delays, stolen luggage, medical emergencies, and COVID-19 coverage.

Travel insurance is very popular among visitors to Hawaii. Your trip to Hawaii is a big investment. All of the plane tickets, hotel accommodations, car rentals, or tour bookings you may have purchased are at risk of any unforeseen circumstances.

1. Trip Cancellation Or Interruption

Nobody expects to cancel their trip when you first make your plans. However, we all know that the unexpected occurs more frequently than we would like. Trip insurance will have you covered if you end up needing to cancel.

2. Travel Delays Or Missed Connections

Delays or a change in plans from your airline, cruise line, or tour company can lead to additional expenses for you. For example, if your flight is delayed overnight you will need to spend money on accommodation and meals. Travel insurance can provide coverage for these unexpected costs.

3. Stolen Or Lost Baggage

You should not have to worry about missing luggage or getting a laptop stolen when vacationing in Hawaii. However, in the event that these occur, Hawaii travel insurance will provide you with coverage to compensate for your losses.

4. Medical Emergencies

While we hope that you never have to use this benefit, accidents do occur on trips to Hawaii. Having travel insurance can ensure you have proper care and do not leave Hawaii with a large medical bill.

Note: If you are from the United States, your health insurance plan will most likely provide coverage for medical expenses incurred on your trip to Hawaii. However, your travel insurance plan can still benefit you. For example, if you are a traveler who has a large deductible on their regular health insurance.

5. COVID-19

With the lingering effects of COVID-19 still present today, Hawaii travel insurance can offer coverage against this in the form of cancellations, medical coverage, and travel delays relating to COVID-19.

How Do You Determine If Your Reasons For Cancelling A Trip Is Covered By Insurance?

The majority of travel insurance policies only allow you to cancel for covered reasons such as serious illness, family death, terrorist attacks, or natural disasters. However, to ensure your cancellation coverage, it is best to review your specific travel insurance policy.

What Is A Cancel For Any Reason Policy (CFAR)?

Cancel For Any Reason (CFAR) is a coverage type that offers partial reimbursement for canceling your non-refundable trip. So this could be for any reason that is not covered under your primary travel insurance policy. CFAR is an add-on insurance that can only be purchased with a primary travel insurance policy. 

How Much Does Hawaii Travel Insurance Cost?

The cost of your travel insurance depends on the amount of coverage you want, the length of your trip, and your age. In general, you can expect to pay anywhere from $5-$25 (USD) per day for trip insurance and $2-$10 (USD) per day for travel medical insurance.

The best thing about VisitorsCoverage is that you can get a FREE quote and compare similar coverage types.

Trip Insurance Costs (United States Travelers):

For minimal coverage, you can expect to pay $5-$15 (USD) per day. 

For better protection, which would include things such as higher coverable expenses, cancel for any reason (CFAR) policy, or rental car insurance, you can expect to pay $15-$25 (USD) per day.

Travel Medical Insurance Costs (International Travelers):

Travel medical insurance costs will primarily depend on your age, but you can expect the cost to range from $2-$10 (USD) per day.

Is Travel Insurance Required For Hawaii From The USA?

No – travel insurance is not required to have for a trip to Hawaii from the United States. 

However, if you want to have peace of mind on your trip to paradise you SHOULD definitely buy travel insurance! Travel insurance has turned into a must-have, especially after travelers have experienced the COVID-19 pandemic.

If you are wondering "do I need travel insurance for Hawaii?", no it is not legally required to have. However, most travelers to Hawaii end up buying travel insurance as it protects their financial investment into the trip.

What Will Happen If I Do Not Have Travel Insurance For Hawaii?

From a legal standpoint – nothing. 

From a financial standpoint, you risk losing the money you have invested into your trip and potentially paying a large bill in the event of a disaster. 

While no one likes to think about the worst-case scenario for your trip, many visitors end up buying travel insurance to have peace of mind on their trip to Hawaii.

Will My Health Insurance Cover Me In Hawaii?

If you are from the United States your health insurance plan will most likely provide coverage for medical expenses incurred on your trip to Hawaii. 

However, your travel insurance plan can still benefit you. So if your insurance plan is selected as the “primary” medical, the travel insurance plan will cover you first (up to its limits) before your health insurance plan does. This is especially useful for travelers who have a large deductible on their regular health insurance.

Note: If you are traveling to Hawaii from outside of the United States then you will most likely NOT be covered medically. For this reason, international travelers to Hawaii end up buying a travel medical insurance plan.

Do I Need Adventure Sports Insurance For Hawaii?

Adventure sports activities are typically higher risk and not covered by regular travel insurance. If you are planning on doing any adventurous activities on your trip to Hawaii, you should consider buying adventure sport insurance.

Due to the risky nature of adventure sports, other high-risk activities will typically be excluded from your regular travel insurance policy.

So if you are planning on doing any of the outdoor activities listed below you should absolutely have adventure sports coverage added to your travel insurance policy.

Adventure sports insurance coverage will typically include the following activities that are common for visitors to Hawaii:

Do I Need Rental Car Insurance For Hawaii?

Rental car insurance is not required by the State of Hawaii; however, additional coverage is recommended and can be added onto your travel insurance policy or car rental agreement.   This article will help you determine if you need travel insurance for Hawaii.

No – You are not legally required to buy any additional rental car insurance for Hawaii. Car rental companies in Hawaii are required to provide the minimum liability coverage as required by the State. 

So what does this mean for you?🤔

Without additional car insurance, you will still be liable for deductible and excess charges for car damage or theft. Additionally, you will have to pay out of pocket for any car towing, lockout services, or damages to the car that do not include the car body (ie. tires, windshield, mirrors, wheels). 

We recommend using Discover Cars for renting a car in Hawaii. They use a search engine to help find you the best deals from different companies. We’ve also used them on our own personal trips and can say from experience that they have the cheapest prices compared to other car rental companies!

Discover Cars offers full insurance coverage at roughly $10-$15 (USD) per day. Personally, we always opt for the extra insurance when renting a car on our travels for peace of mind

What Does My Travel Trip Insurance Include And Not Include?

Travel trip insurance is for travelers from the United States who are looking to protect their financial investment in their trip to Hawaii. Always be sure to read through the travel insurance policy terms before making a purchase. 

For travel trip insurance here is a list of what is typically included, not included, and optional add-ons.

Included (Travel Trip Insurance):

  • Baggage Loss or Damage
  • Emergency Medical Evacuation
  • Missed Connections
  • New Injuries or Illnesses Incurred on Your Trip to Hawaii
  • Trip Delay
  • Trip Interruption
  • Trip Cancellation

Not Included (Travel Trip Insurance):

  • Dental Work
  • Injuries from High-Risk Activities
  • Intoxication or Alchohol Poisoning
  • Pre-Existing Conditions
  • Prescription Medications

Optional Add-Ons (Travel Trip Insurance):

  • Adventure Sports Coverage
  • Cancel For Any Reason (CFAR)
  • Rental Car Damage Protection
  • Event Ticket Registration Fee Protection

What Does My Travel Medical Insurance Include And Not Include?

Travel medical insurance is for international travelers outside of the United States and will cover any unforeseen medical injuries or illnesses that occur on your trip to Hawaii. Always be sure to read through the travel medical insurance policy terms before making a purchase. 

For travel medical insurance here is a list of what is typically included, not included, and optional add-ons.

Included (Travel Medical Insurance):

  • Emergency Medical Evacuation
  • Hospital Visits, Doctor Appointments, and Pharmacy Prescriptions (relating to injuries or illnesses incurred on your trip to Hawaii)
  • New Injuries or Illnesses Incurred on Your Trip to Hawaii

Not Included (Travel Medical Insurance):

  • Major Dental Care
  • Maternity or Childbirth
  • Pre-Existing Conditions
  • Preventative Care (Physical Examinations, Immunity Shots, Routine Checkups)

Optional Add-Ons (Travel Medical Insurance):

  • Adventure Sports Coverage
  • Trip Cancellation

Are There COVID-19 Restrictions For Hawaii?

No – If you are traveling to Hawaii from the United States, there are currently no COVID-19 related restrictions. As of June 2022, the US federal government has also removed any requirement for a negative pre-departure COVID-19 test result or recovery documentation regardless of your vaccination status.

Is Hawaii Safe To Visit?

Ocean safety is one of the main concerns you should be aware of on your trip to Hawaii. This article will help you determine if you need travel insurance for Hawaii.

Yes – Overall, Hawaii is a safe place to travel to. However, petty crimes such as theft of belongings or baggage do still occur in Hawaii.

Hawaii is known for its unique natural environment which brings up safety concerns over ocean currents and dangerous hiking conditions. Therefore, travel insurance is a must for those traveling to Hawaii.

What Are The Most Common Accidents In Hawaii?

The most common reasons for injuries in Hawaii are slips/falls, water-related accidents, and motor vehicle crashes.

So to help you avoid these top three most common injuries here are our suggestions.

Slips/Falls: As a visitor, you should be aware that hikes and trails in Hawaii can get very muddy and slippery. It is important to have proper hiking gear to ensure your safety while hiking in Hawaii. 

Water-related Accidents: It is important to understand that Hawaii’s oceans can be dangerous and you should always take precautions before entering. A great option to explore Hawaii’s waters safely is through a tour with expert guides to keep you safe.

Motor Vehicle Crashes: While driving in Hawaii is not necessarily dangerous, there are certain precautions to be aware of. Staying focused on the road regardless of how beautiful the scenery is or how congested the traffic is will help ensure your safety on the road in Hawaii.

Is Hawaii A Part Of The United States?

Yes – Hawaii is a part of the United States. 

Hawaii became a part of the United States in 1959 and is the 50th and last state to join the country.

Is A Passport Or Visa Required To Visit Hawaii?

If you are a citizen of the United States – No, you do not need a passport to visit Hawaii. A regular driver’s license or state ID will be sufficient for identification.

If you are not a citizen of the United States – Yes, you will need a passport to visit Hawaii as it is a part of the United States.

Closing Thoughts: Do I Need Travel Insurance For Hawaii In 2023?

Travel insurance can help provide you with peace of mind knowing that your trip to Hawaii is protected. Whether that be in the event of trip cancellation, missed bookings, medical emergencies, or even stolen belongings.

There really is no reason not to have travel insurance for your trip to Hawaii. Since Visitors Coverage has a wide variety of reliable and affordable travel insurance options, it’s a great choice!