The Hawaii Admirer
Hawaii Travel Insurance

Hawaii Travel Insurance, Do I Need It?

Hawaii travel insurance, that’ll be a YES from me!

If you are travelling to Hawaii, you are visiting the United States of America and travel insurance is a must.

Let me tell you a true story…

On a past Hawaii trip, I had to help a fellow Australian who’d had a seizure, lost consciousness and ended up in a Honolulu hospital unable to communicate. Doctors started asking me questions. To my surprise, and thank goodness, this lady kept a meticulous travel wallet. I found it with her belongings and was able to provide much-needed information to medical staff on her behalf, namely her travel insurance policy!

I saw first-hand the importance of having travel insurance. I discovered hospitals in the U.S. want to see your proof of identity and medical coverage, immediately. If you have travel insurance, they need to find out what medical coverage it includes, and they’ll waste no time in contacting your travel insurance provider to begin the paperwork.

If you don’t have travel insurance with medical coverage, it can affect your treatment options and sadly you’ll have to foot the bill out-of-pocket! The estimated cost of an ambulance ride in Hawaii starts from $1000, an emergency room visit from $2000, and hospital stays anywhere from $1000 per day. It’s no joke! Three stitches in my thigh at a Waikiki medical clinic once cost me $600 😱

You’ll find plenty of holiday mishaps out there, travellers who needed urgent medical attention overseas and ended up in debt to the tune of tens of thousands of dollars. Don’t let it be you!


In my opinion, medical coverage is the biggest reason you need travel insurance in Hawaii, but there are many other benefits including protection against travel delays, cancellations, loss of luggage, rental car excess and more.

When I lived in Australia and travelled to Hawaii regularly, I always took out an annual travel insurance policy with Cover-More. This type of policy worked for me because I travelled so often and it was an affordable plan, but you can also get a one-off policy for an individual holiday.

My Travel Agent friend first introduced me to Cover-More, this was the company her Travel Agency recommended. They provide high-quality travel insurance to travellers in Australia, India, Malaysia, New Zealand, United Kingdom and the United States.

  • It’s trusted by 18 million travellers worldwide, they’ve been around 30 years!
  • They have a Customer Experience Rating of 4.2 / 5 (Source: Feefo)
  • While abroad you can rest easy knowing you have 24/7 Emergency Assistance
  • If you’re a Virgin Australia Velocity Member you’ll earn 3 Velocity Points for every $1 spent!

If you’d like to get a quote to see what they can offer you, visit Cover-More.

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Last Updated On May 23, 2019