Photo © Getty Images / Yoshinari Hashimoto / EyeEm

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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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.

A beach in Waikiki. Photo credit: Getty Images / Yoshinari Hashimoto / EyeEm

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.

Na Pali coast
Na Pali coast. Photo credit: Getty Images / Marc Szczesny-Pumarada

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.

Canoes and diamond head crater in background. Waikiki, Honolulu, Hawaii. Photo credit: Getty Images / M Swiet Productions

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 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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