Hawaii Travel Insurance: Plans & Prices
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Reviewed By Last updated: 03/26/2026
Key Takeaways
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IMG, Berkshire Hathaway, and Tin Leg offer the best-selling travel insurance plans among Squaremouth customers traveling to Hawaii.
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While U.S. health insurance is accepted in Hawaii, comprehensive travel insurance is still recommended to protect you against unexpected cancellations, delays, and other common disruptions.
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Hawaii travel insurance premiums are dependent on a wide range of factors, including your age, trip length, and coverage needs.
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Popular Hawaii excursions like surfing, scuba diving, and off-roading are often excluded from standard travel insurance and require specialized adventure coverage.
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Ocean hazards, natural disasters, and road conditions are just a few of the risks to consider before departing for Hawaii.
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Try our online travel insurance comparison tool to get multiple quotes for your upcoming Hawaii vacation at once. For personal assistance, call our award-winning agents at 1-800-240-0369.
Squaremouth’s Hawaii Travel Insurance Recommendations
Over the last 12 months, the top three travel insurance plans purchased by travelers with upcoming trips to Hawaii on Squaremouth were:
From lava fields to lush forests, beautiful beaches to scenic mountains, Hawaii has something to offer every type of traveler. Whatever adventures fill up your itinerary, you may be considering travel insurance.
While not a requirement to visit Hawaii, travel insurance can protect you financially if things don’t go according to plan. If your trip involves high costs, potentially dangerous activities, or other situations that could put your vacation at risk, we recommend the following coverage.
Hawaii Travel Health Insurance
To preface, if you have existing health insurance, you will likely be covered in the event you get sick or injured during your trip to Hawaii. However, those without health insurance or those with high deductibles should consider getting travel medical insurance before their departure date.
Travel medical insurance consists of two key benefits: Emergency Medical, which may cover the cost of common medical expenses, and Medical Evacuation, which can cover the cost of emergency transportation services.
Emergency Medical Coverage
This benefit may cover the cost of hospital bills, ambulance rides, x-rays, and other necessary treatment costs in the event you get unexpectedly ill or injured during your trip. If you’re traveling to Hawaii, we recommend at least $50,000 in Emergency Medical coverage.
Those with existing health coverage should specifically consider a Primary Emergency Medical policy. In this scenario, your travel insurance provider will be first in line to cover costs, thus avoiding out-of-pocket expenses paid to meet a deductible.
Medical Evacuation Coverage
Medical Evacuation may cover expenses incurred to transport you to an adequate medical facility in the event of an emergency. In some scenarios, this could involve transporting you from the Hawaiian Islands to mainland America for treatment.
Medical evacuations can be very expensive, especially if you need to be evacuated back home. For that reason, we recommend a policy that offers at least $100,000 in Medical Evacuation coverage.
Hawaii Cancellation Coverage
There’s no such thing as a risk-free trip, and Hawaii is no exception. In the event you are forced to cancel your trip before it even starts, Trip Cancellation coverage may be able to help you recoup your prepaid and non-refundable trip costs, such as flights, hotels, and excursions.
This benefit can reimburse you if you are forced to cancel your trip for a covered reason, such as an unexpected illness, injury, inclement weather, and natural disasters, such as the 2023 Maui wildfires.
For added cancellation flexibility, you may also want to consider a policy that includes Cancel For Any Reason coverage, which can offer partial reimbursement for cancellations that aren’t typically covered by standard travel insurance.
Most policies that include cancellation coverage also protect travelers who need to end their trip early for a covered reason. The Trip Interruption benefit may cover any unused trip costs, as well as additional costs required to book additional travel arrangements to safely return home.
Hawaii Flight Delay Coverage
While roughly 30 U.S cities offer nonstop service to Hawaii, almost half are located on the West Coast. For the majority of travelers, a connecting flight is required to reach the islands. As delays become a growing concern among travelers, the Travel Delay benefit becomes an important travel insurance benefit.
Travel Delay can reimburse travelers for food and lodging expenses if they experience significant flight delays. If a delay forces you to miss your connecting flights, then your Missed Connection coverage may reimburse additional costs needed to book additional transportation to catch up to a trip.Baggage Coverage
Most comprehensive travel insurance policies will also include coverage for delayed or lost luggage. If your luggage is delayed in transit, your policy’s Baggage Delay benefit can reimburse travelers the cost of clothing, toiletries, and other necessities.
If your luggage or belongings are lost, stolen, or damaged at any point during your trip, the Baggage & Personal Items Loss benefit may reimburse travelers for the value of the lost or damaged items up to a specified amount.
and Baggage & Personal Items Loss benefits will reimburse travelers if their luggage is delayed, lost, stolen, and damaged at any point during their trip.
Click here to begin your search for Hawaii Travel Insurance.
More Details on the Best Travel Insurance for Hawaii
Best for Evacuation Coverage
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Includes $500,000 in Medical Evacuation coverage, which can cover the cost of airlifting you from remote areas of Hawaii to a suitable medical facility or back to the U.S. mainland for treatment
Provides up to $100,000 in Non-Medical Evacuation coverage, helping transport you to safety in the event of a natural disaster or other covered emergency
Includes dependable 24-Hour Emergency Assistance services to coordinate evacuations with local authorities and connect you to the best available medical facilities
Best for Budget-Friendly Trip Protection
Medical / Med Evac Coverage
$15,000 / $150,000Cancellation / Interruption Limits
100% / 100% of trip cost
Offers basic, no-frills travel insurance coverage perfectly suited for low-risk domestic trips, complete with coverage for trip cancellations, delays, and small medical emergencies
Offers optional Rental Car Damage protection, reimbursing you for damage, vandalism, or theft of your rental vehicle while exploring Hawaii
Provides complimentary concierge services to all policyholders, which can assist you in making dinner reservations, booking excursions, and making golf tee times
Best for Surf & Adventure Trips
Medical / Med Evac Coverage
$500,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Covers 250+ unique sports and activities, including popular Hawaii excursions like surfing, snorkeling, and off-roading
Provides $500,000 in Primary Emergency Medical coverage, which eliminates the need for you to file a claim on your health insurance if you get sick or injured during your trip
Covers up to $30,000 per person in prepaid, non-refundable trip costs, making it a great option if your Hawaii adventure involves costly upfront expenses
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