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 Protection
Protect your hard earned vacation from unexpected cancellation before you leave home.
- Explorer Plan: USD $10,000
- Standard Plan: USD $5,000
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Overseas Medical Insurance
Take the pain out of medical costs while traveling overseas.
- Explorer Plan: Unlimited, up to 12 months
- Standard Plan: USD $5,000,000
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
We'll get you to hospital quickly.
- Explorer Plan: USD $500,000
- Standard Plan: USD $500,000
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Cover your stolen or damaged gear and tech.
- Explorer Plan: USD $3,500
- Standard Plan: USD $2,500
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Overseas Medical & Dental Expenses
- 24 hour Emergency Assistance
- Emergency Medical Transport
- Repatriation & Travel Expenses
- Pre-Trip Cancellation
- Trip Interruption
- Resumption of Trip
- Travel Delay
- Missed connection (Explorer)
- Hijacking (Explorer)
- Baggage & Personal Items
- Passport & Travel Documents
- Personal Liability
- Rental vehicle insurance excess (Explorer)
- Personal accident (Explorer)
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?
Phone:+353 21 237 8008 or +353 21 237 8003 (calls are not toll free. You can claim your itemised call costs)
Before your trip, check the latest government advice for any travel alerts for your destination.