Travel insurance when visiting Hawaii
Stunning scenery, top surf spots, mountainous rainforests, and a laid back lifestyle. Say Aloha to Hawaii!
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If a tropical island is calling your name, then get to Hawaii for the adventure of a lifetime. You may want to hike the rugged Kalalau Trail on Kauai or go scuba diving in Maui. With so much to explore, you may want to consider the benefits of travel insurance for you and your travel companions.
- What’s Covered?
- Cover for more than 150 adventure and sports activities on both World Nomads plans
- What to look out for when traveling around Hawaii
- What’s not covered?
What’s Covered?
The right travel insurance can come in handy when a hiccup, or something more serious, interrupts your trip. While travel insurance isn’t designed to cover every eventuality, it may be a life saver if you end up ill, injured, stuck in a natural catastrophe, or if your bags go missing.
Always make sure you read the policy wording carefully to understand what’s included (and what’s not) as our travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose, and any options or upgrades you buy.
Here are some of the highlights of our coverage, depending on your Country of Residence and the plan you’ve selected:
- Overseas medical insurance: One of the main reasons travelers buy insurance is for medical cover, especially in times of Coronavirus (COVID-19). Traveling to a country such as the US, where health costs can rise very quickly, can be a good enough reason to get insurance. World Nomad Standard and Explorer plans may offer cover for emergency overseas dental and medical assistance and medically necessary evacuation and repatriation if you get sick or get COVID-19 while traveling overseas. The difference will often be the excess or the maximum payable limit.
- Trip cancellation: One of the biggest questions with any international travel currently is related to cancellations. Depending on your country of residence and which plan you’ve selected you may be covered for your non-refundable, pre-paid transport and accommodation expenses. Always make sure you read the details of your policy carefully, so you know what you are covered for. If in doubt about coverage and our plans, contact us.
- Lost bags: You saw your bags get tagged and loaded onto the conveyor at the start of the trip, but when you landed in Hawaii you found yourself watching an empty luggage carousel. World Nomads travel insurance can help with delayed or lost luggage. The first step is always to report it immediately to the airline carrier and get everything in writing, making sure you keep all receipts and copies.
- Cover for some Coronavirus-related events: to find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, terms and conditions, and exclusions.
Cover for more than 150 adventure and sports activities on both World Nomads plans
While there are many activities available on the Standard Plan, those feeling adventurous can upgrade to the Explorer Plan, which offers higher benefits and cover for a broader range of activities and sports.
Hawaii can be exciting and fun, particularly for those seeking an adventurous getaway but it’s important to be sensible about the level of risk and the type of activity and sports coverage you may need.
For example, the crystal-clear waters of Lana’i, where some of the world’s best scuba diving can be found, are a must-see for scuba fans. When thinking about your dive plan, it’s important that you are getting the right level of activity coverage, so you’ll need to know the depth you’re diving, and the qualification you have achieved. You may be required to dive only under constant supervision, so talk to us if in doubt.
What to look out for when traveling around Hawaii
Hawaii is known for its stunning and dramatic terrain. Volcanoes, tropical thunderstorms, and even cyclones and tsunamis are known to happen in Hawaii. This can affect the type of cover you choose.
Natural catastrophes could force you to abandon your booked accommodation and if you have the Explorer Plan you may be able to claim for accommodation and some limited travel costs. Equally, expenses incurred getting to safer ground may also be covered with the Explorer Plan. World Nomads offers cover for natural catastrophes, but cover will depend on your Country of Residence and varies between plans. We can assist with all these situations and the right policy can go a long way to reducing the stress involved in international travel.
Water sports such as kayaking, canoeing or jet skiing are popular in Hawaii. Paddling out into the bay to see the natural formations along the Napali Coast is breathtaking. However, accidents happen, and kayakers commonly capsize and hit their head. If this happens to you both Standard and Explorer policies will cover this and assist with getting you to a medical facility for treatment or have you evacuated if it’s a serious injury.
Jet skiing carries greater risk, and our Standard and Explorer plans will require you to be traveling with a suitably qualified instructor for you to be covered in the event of an accident.
Just remember, you’ll need to list all the activities and sports you plan to do at the time of purchasing your cover and the activities you nominate will be listed on your Certificate of Insurance.
What’s not covered?
When taking out insurance, understanding what’s not covered is just as important as what is covered.
- If you are under the influence of drugs or alcohol you won’t be covered for any accidents that happen.
- With any sports or adventure activity you must follow all safety measures, such as wearing a helmet or wearing full safety harness where required, or you may not be covered.
- Pre-existing medical conditions as explained in your policy wording.
- Any expenses which World Nomads or the Emergency Assistance Team determine are not medically necessary.
- Change of mind, disinclination, or reluctance to travel.
- Traveling to, planning to travel to, or choosing to remain in a country or region that is the subject of a government Do Not Travel or Avoid Non-essential Travel warning issued by the US Department of State.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Travel insurance tip: to have cover for an adventure sport or activity, you may need to add it to your policy or select a plan with more coverage when you buy and pay the extra premium, depending on your Country of Residence. Remember, you can’t upgrade your coverage after you buy, so it’s important to get this right on the first go.
Travel insurance tip: always make sure you’ve done your research on the countries you’re visiting as there may be US Department of State and local government-imposed travel bans or restrictions in place. If you decide to travel to a country on a ‘Do Not Travel’ list your World Nomads policy will not provide cover for the reasons outlined in the warning. The US Department of State (DOS) currently advises against all but essential travel to some countries and territories due to coronavirus (COVID-19) risks. You can look up DOS foreign travel advice here.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Travel insurance. Simple & flexible.
Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance when visiting Hawaii
Stunning scenery, top surf spots, mountainous rainforests, and a laid back lifestyle. Say Aloha to Hawaii!
- Trusted by:
Trusted by:
With eight dramatic islands, a culture rich with traditions, and beautiful weather, Hawaii is a dream location. You might be going to relax on a beach or hit the world-famous surf, or perhaps you’re volunteering or want to learn about Hawaii’s history – whatever the reason, you may want to consider buying travel insurance for any unplanned or unexpected events.
- What am I covered for?
- More than 150 activities and sports covered on World Nomads plans
- Overseas medical insurance and Coronavirus cover
- Lost or delayed baggage cover
- What’s not covered?
What am I covered for?
Travel insurance is designed for many reasons, for example medical emergencies, lost or stolen bags, unforeseen injuries, unexpected bad weather, or travel delays derail your trip. World Nomads offers coverage (up to the policy limits) for:
- Emergency overseas medical: surfing in Hawaii can be great for the body and soul but not if it ends in an accident. Emergency medical coverage can help when you need urgent medical treatment. Get to a doctor for treatment and medication and you can submit a claim to recover the costs (up to your benefit limit).
- Evacuation: your upcoming family hiking trip might take you far away from medical facilities. With our coverage, you can get transported to the medical facility best for your care, subject to approval from us. Please note that remote travel and search and rescue expenses are not covered.
- Trip cancellation: has a sick or injured traveling buddy put a stop to your scuba diving trip to Molokai? Depending on your plan, you may be able to recover your travel expenses.
- Coverage for extended stays: if you’re having too much fun in Hawaii and want to extend your trip, we can help keep you get covered. Just sign into your World Nomads membership, select your current policy and follow the links to extend your cover online. Terms and conditions apply.
More than 150 activities and sports covered on World Nomads plans
Are you ready to experience some amazing outdoor activities in Hawaii? With World Nomads Travel insurance there are many outdoor activities, sports, and experiences that are automatically covered and available on the Standard Plan. But, if you’re feeling extra adventurous, you can upgrade to the Explorer Plan, which offers higher benefits and cover for a broader range of activities and sports on your next Hawaiian adventure trip.
To have cover for an adventure, sport or activity such as surfing, scuba diving, kayaking, hiking, volunteering, even bungee jumping, you may need to add it to your policy or select a plan with more benefits/coverage when you buy and pay the extra premium, and depending on your Country of Residence. Remember, you can’t upgrade your coverage after you buy, so it’s important to get this right on the first go.
Whatever your choice of overseas vacation, it’s important to choose the right level of coverage. Read the policy wording, browse the World Nomads’ Help Center, or contact our customer service team to see if what you’re planning to do is covered under your plan.
You may have to pay an additional premium for an adventure sports upgrade or purchase the Explorer plan instead of a Standard. Remember, you can’t upgrade your activities coverage after you buy, so it’s important to get this right on the first go.
Overseas medical insurance and Coronavirus cover
When traveling to Hawaii, medical insurance could be helpful in case of an accident when doing an activity or a sudden illness. You don’t want to be left out of pocket if you have to visit a local doctor, go to hospital, need an urgent trip to the dentist, or even worse, have to be repatriated back to your country of residence.
The level of cover you’ll have for any Coronavirus-related events under our Standard and Explorer plans will depend on your country of residence. Check out our Coronavirus cover article which goes into more detail on all the Coronavirus cover benefits, including benefit limits and exclusions.
Lost or delayed baggage cover
Arrived in Honolulu but your bags haven’t? It can throw a massive spanner in the works if you’re at the baggage carousel watching it go around and your bags don’t appear. You could also get your gear stolen on public transport or in a hostel, which is why baggage insurance is a good idea.
Baggage travel insurance may offer cover for stolen or damaged luggage. If this happens, you must report it to the police, carrier, or local authority as soon as possible and get a copy of the report.
Insurance won’t cover things such as losing baggage that was left unattended, this includes if it’s been left unattended in a car (even if the car is locked). You may be able to get compensation from the transport carrier if your bags were lost in transit and you’ll need to show you’ve attempted this if you decide to put in a claim.
You may also need to take depreciation into account, depending on your country of residence and the plan you purchase. Please be aware that an excess may apply to any claim made.
If your policy offers Baggage Delay cover, you may be able to claim your expenses for any essentials you have to buy to keep you going until your bag turns up. Check your policy for details as the time delay varies depending on your country of residence and between plans and benefit limits apply.
What’s not covered?
Travel insurance isn’t designed to cover everything – so make sure you know what you’re covered. Some, but not all, of the events we don’t cover include:
- Pre-existing medical conditions: see the policy wording for details.
- Activities and sports: Participation in a sport or activity not listed in the policy wording or agreed by World Nomads where you haven’t paid the required additional premium.
- Not following doctor’ orders: disobeying your treating doctor’s directions and/or those of our Emergency Assistance Team.
- Leaving valuables unattended: stolen, lost or damaged personal belongings that were left unguarded.
- Recovering expenses: Expenses you have not made every reasonable attempt to recover from the carrier, accommodation provider, booking or travel agents, any compensation scheme, or other source.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
Traveler Tip 1: if you need medical treatment, evacuation or repatriation, you or a travel companion MUST contact our 24/7 Emergency Assistance Team immediately. They will confirm if the treatment is medically necessary and advise you on what to do, help locate suitable medical facilities (particularly in remote areas where access to medical care can be tricky) and monitor your medical treatments if needed to make sure you’re given proper care. The EA team can also offer translation and interpreter services.
Traveler Tip 2: ascareful as you might be, belongings do get stolen, flights get cancelled, and illness or injury can happen. If you forgot to buy travel insurance before you left home, then don’t stress, with World Nomads you can buy travel insurance before you get on the plane or while you're already traveling around the Hawaiian Islands, it’s up to you (a waiting period may apply for some benefits).
Traveler Tip 3: Hawaii has many beautiful places to visit, including beaches, national parks, or off the grid communities for people looking to volunteer. Whatever your travel plans may be, always make sure you are respectful to the people, the land, and their customs and traditions.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Travel insurance. Simple & flexible.
Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the team
