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Travel Insurance for Hawaii

Going to Hawaii? Consider travel insurance cover for your trip

Why consider travel insurance for Hawaii

Hawaii is a dream destination with warm beaches, stunning sunsets, cocktails, and volcanic landscapes. But even a holiday in Hawaii can turn into a bad experience if things go wrong and you haven’t considered travel insurance.

Travel Insurance Direct (TID) travel insurance may help for a trip to Hawaii as it may cover you in case of unexpected events like illness, injury, trip cancellation, lost belongings, or extreme weather, just to name a few.

Whether you're exploring Waikiki, surfing in Maui or hiking on the Big Island, TID offers travel insurance plans and optional extras for Aussies visiting Hawaii.

What you must know before travelling to Hawaii

Weather & natural events

Hawaii is known for its beauty, but also for unpredictable weather:

  • Volcanic activity
  • Flash flooding
  • Tropical storms

If severe weather stops your flight or makes your hotel unsafe, TID travel insurance may cover extra accommodation and transport costs.

Water activities

Love adventure? Hawaii has plenty, from snorkelling to surfing and kayaking. But accidents happen.

TID travel insurance may help cover:

  • Overseas medical costs
  • Hospital stays
  • Emergency evacuation or repatriation to Australia if needed

Travel insurance tip: If you’re doing high-risk water activities like scuba diving, check if you're covered (and if there's any conditions that apply).

What TID travel insurance covers for a trip to Hawaii

When visiting Hawaii, TID offers cover that includes:

Learn more and get an instant travel insurance quote for your next holiday today.

The above features and benefits are a summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement.

Travel Insurance checklist for Aussies going to Hawaii

Before you go, make sure you:

  • Check passport validity (must be valid for 6+ months from entry).
  • Review entry requirements and restrictions (via Smartraveller).
  • Read over through the travel insurance policy details, especially for medical cover and cancellation.
  • Consider the Specified items option to cover luggage items for their full value up to $4,000 per item. Terms and conditions apply.
  • Save a copy of the PDS for reference
  • Cover for a range of activities and sports such as surfing, kayaking, hiking and scuba diving.

What to do if you need urgent help

Things can change fast. If you're in Hawaii and need urgent medical care or have a travel problem (like lost luggage or a cancelled flight), the Emergency Assistance Team is here 24/7.

They may help you:

  • Find nearby hospitals
  • Arrange emergency evacuation
  • Rebook transport or accommodation if needed

You're just a phone call away from help even from the beaches of Maui or the surf breaks of Oahu.

What can travel insurance cover me for in Hawaii?

Here are some of the cover benefits available with your policy.

Airline cancelled flight?

If your flight is cancelled by the Airline for operational reasons we cover the reasonable cost of meals and accommodation.

Taking luggage with you?

Cover if your luggage is stolen, permanently lost or accidentally damaged due to circumstances outside of your control.

Don't like medical bills?

Compensation for unforeseen medical expenses incurred whilst on an overseas holiday

Unexpected cancellation?

Insurance if you have to cancel your trip due to unforeseeable events outside of your control (e.g. sudden illness).

Compare all benefits
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Travel insurance plans for different types of holidays

We have several plans to choose from; each one offers a different level of cover. Check out our travel insurance plans below where you’ll find information about each one.

The Works

Our most popular plan, The Works offers cover for international trips. It includes cover for medical expenses overseas, cancellation costs, cover for luggage and personal effects and more.

The Basics

Sticking to a shoestring budget? Our budget plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank.

Annual

Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trip you can take during a 12 month period.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Consider the PDS and TMD before purchasing.

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Best time to travel to Hawaii

April to early June and September to mid-October

  • Warm, dry, less humid
  • Ideal for outdoor activities like hiking, snorkelling, and beach time
  • Avoids the busy school holiday rush

Best for travellers looking to go on a budget:

April, May, September, and October

  • Airfares and hotel prices are generally lower
  • Fewer tourists, so better deals and more relaxed vibe

Best for surfing:

  • North Shore (Oahu): winter months (November to February) – huge swells, great for pros
  • South Shore: summer months (May to September) – smaller, consistent waves for beginners/intermediates

FAQs for a trip to Hawaii

Medical care is expensive in the USA. You should consider travel insurance as it may help if something goes wrong. With TID travel insurance you may be covered for reasonable and necessary emergency medical, hospital and ambulance expenses. Depending on the plan you choose, (Critical illness or injury – emergency travel expenses for a friend or relative sublimit is not insured under the Basics. You may also be covered if you need dental treatment expenses arising from an injury to healthy natural teeth and which cannot be delayed until your return to Australia.

You do not need a visa if you're travelling from Australia to Hawaii for a holiday. However, there are requirements you must meet. If you plan to remain in the USA for less than 90 days, you may not need a visa, but will need to apply for a US Electronic System for Travel Authorization (ESTA). It takes about 15- 20 minutes to complete, and according to US Customs and Border Patrol, the ESTA will usually return an application status within 72 hours. If you plan to stay longer than 90 days or are traveling for purposes other than tourism (e.g., to work or study), you will need to apply for a different type of visa.

Cover may be available if pre-paid scheduled public transport services or pre-paid tours have been cancelled or restricted by your carrier or service provider due to a natural disaster such as a volcanic eruption, tornado, earthquake or hurricane. You may be covered for the cost of any lost pre-paid arrangements such as airfares and accommodation. You can also choose to re arrange your trip – so long as it's less than the cost of cancellation. You need to ensure you purchased your policy before the natural disaster became a known event and foreseeable. Natural disasters you may be covered for include flood, cyclone, tornado, hurricane, typhoon, wild fire, tsunami, earthquake, landslide, avalanche, volcanic eruption.

Note: Our definition of ‘Natural disaster’ does not include outbreak of disease, epidemic, pandemic, or any other event that is not specifically included in this definition.

You may be covered for surfing or kayaking subject to all policy terms, conditions, limitations, and exclusions. Check if adventure sports are included or need optional cover.

All TID International plans contain the Luggage and personal effects and Emergency luggage benefits. Benefit limits vary, see the PDS for more information.

Yes, you are. TID international policies offer coverage while you’re on board and on shore. Just ensure you select ‘United States’ a destination, or if purchasing an Annual Multi Trip policy select ‘Worldwide’ as your destination.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

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