Located about 2,000 miles west of the US mainland, Hawaii is part of an archipelago of 137 islands spanning over 1,500 miles. However, most people are only familiar with the main islands of Niʻihau, Kauaʻi, Oʻahu, Molokaʻi, Lānaʻi, Kahoʻolawe, Maui, and Hawaiʻi, or "the Big Island," that gives the state its name.

Hawaii has long been a tourist attraction for both American and global visitors, offering year-round sun and surf. Many people come here to sightsee, hike in national parks or across a volcano, tube through the mountains and caverns, parasail, and surf. If you are adventurous, you will enjoy a helicopter ride over the islands, a swim with dolphins, or (if you're very brave) a dive with the sharks.

As you can see, there are endless ways to enjoy yourself in Hawaii. But to make sure you can do so with total peace of mind, we recommend that you first learn about the benefits of visitors medical insurance or travel insurance.

Visitors Medical Insurance for Travelers in Hawaii – FAQs

If you’re traveling to Hawaii from another country, visitors medical insurance is a must. It offers short-term health insurance coverage for new medical conditions that occur after the effective date of the policy for international visitors to the United States. 

Do I need visitors medical insurance for Hawaii?

Unless you are visiting the USA on a J visa (common for exchange visitors), visitors medical insurance is not legally required, but it is recommended. Without it, you will be responsible for paying all treatment costs yourself if you get sick or injured in Hawaii.

Why buy visitors medical insurance before traveling to Hawaii?

Healthcare is expensive anywhere in the US, but the remote location of Hawaii can make treatment even pricier. The vast majority of visitors would not be able to afford to pay for surgery or major medical treatment in the US without insurance. Even a minor health issue could put a serious dent in your bank account. The best way to avoid being put in this situation is to research and purchase visitors medical insurance.

Trip Cancellation Insurance for Travelers in Hawaii – FAQs

Hawaii is a long way from just about anywhere. You’re going to need to book at least one flight to get there, not to mention a hotel or resort, and tickets to any attractions and events ahead of time. It’s important to protect that travel investment with trip cancellation insurance.

Why should I get trip cancellation insurance for my Hawaii travel?

If you’re unable to go on your trip to Hawaii, getting your money back may not be as simple as just calling your airline or hotel and asking for a refund. Many prepaid travel expenses are nonrefundable, meaning you have to pay for them whether you take the trip or not. 

The solution is trip cancellation insurance. So long as your reason for trip cancellation is covered by the policy you’ve purchased, your insurance can allow you to be reimbursed for the nonrefundable portion of your prepaid trip costs in the event of an unavoidable cancellation. 

What can be covered by trip cancellation insurance for Hawaii?

Hawaii travel insurance can offer more than just trip cancellation coverage. Depending on which plan you select, you can also receive coverage for emergency medical treatment, lost baggage, travel delays, and trip interruptions. You may even have the option to purchase cancel for any reason travel insurance, which gives you additional flexibility in cancelling your trip.

Hawaii’s Most Popular Places for Tourists

Pearl Harbor

Many people come to Honolulu each year to visit Pearl Harbor. On December 7th, 1941, the Empire of Japan bombed Pearl Harbor Naval Base near Honolulu in a surprise military strike, attacking and destroying a large number of US Navy ships. In memory of the attack and all the lives lost, a memorial was built with an open-air entrance above the USS Arizona, which lies at the bottom of the Pacific Ocean. The memorial is visited every year by millions of people, and marks the resting place of the 1,177 sailors and Marines who lost their lives that day.

Volcanoes National Park

Want to see real volcanoes from (reasonably) up close? You can at Volcanoes National Park on the Big Island. The earth is literally alive in this seismically active park. You can see lava flow from fissures in the earth, see steaming volcanic craters, or even see a pillar of ash shoot towards the sky. The park’s most famous volcano, Kilauea, erupted in 2021 and created an actual lava lake. Just keep in mind that because it is an active volcano area, parts of the park may be closed at times for the safety of visitors.

Waikiki Beach 

Set against a backdrop of high-rise hotels and resorts, this famous stretch of sand on Oahu may be Hawaii’s most beloved tourist attraction. Surfing is a way of life here, and it’s ideal for sunbathers as well. When you’re ready for a break from the beach, the boardwalk offers an array of cafes; there are plenty of nearby restaurants and shopping opportunities, as well.

Waipio Valley Lookout

This scenic spot on the Big Island might look familiar, because you’ve probably seen it in several Hollywood films. Still, nothing compares to seeing the verdant cliffs and lush valley below open to the Pacific Ocean in person. If you’re into hiking, Waipio Valley should definitely be on your list. This area is known for some of the best trails in the state, and there are even horseback riding tours available. How’s that for a Hollywood-style experience?

Mauna Kea

If you think Hawaii is nothing but a tropical paradise, Mauna Kea will prove otherwise. The tallest mountain in Hawaii stretches some 13,800 feet tall, and can even experience snow in the winter. The summit is only accessible by 4WD vehicle or on foot. Be advised that if you decide to attempt the hike, it is extremely strenuous, and only suitable for experienced mountaineers. The visitor’s center, located a few thousand feet lower, is a bit easier to reach for the average tourist.

Key Tips for Travelers in Hawaii

Hawaii is unique in that it’s a US state like any other, but also part of a remote archipelago in the Pacific Ocean. Therefore, there are some unique things you should keep in mind while visiting.

Learn Some Hawaiian

While Hawaii is part of the United States and English is widely spoken everywhere, it’s still a sign of respect to those of local descent if you learn a few Hawaiian words and phrases beyond the simple “aloha” greeting. For instance, it’s never a bad idea when asking for directions to the beach to say, “E hele kāua i ke kahakai.” Just make sure you work on your pronunciation!

Be Culturally Sensitive

Do not assume that everyone who does not appear to be of European descent is Hawaiian. These islands have been inhabited for nearly 2,000 years, and people from every corner of the earth have moved here ever since. As such, Hawaii is just as much of a melting pot as anywhere else in the USA. Don’t assume someone is a native Hawaiian unless they tell you so.

Take Some Culinary Chances

As a culturally diverse tourist destination in the USA, you’ll be able to find food here that’s probably pretty similar to what you eat at home, no matter what part of the world you're from. But sticking to old favorites can rob you of part of the Hawaiian experience. Take a chance on poi, kalua pork, Lomi Lomi salmon, or Squid Luau. You can always go back to your comfort foods if it’s not to your taste.

Reconsider Renting a Car

With limited space and lots of tourists, Hawaii ranks as the worst state in the USA to drive in; especially in major cities. Rideshare services and taxis can be a better option, and you can also choose to rent a motor scooter if you’re brave enough. Traffic is less of a concern in more remote areas, but the roads can be rougher, and you can’t exactly take a car with you easily from one island to another.

Petty Crime

Pickpockets have been known to rove the touristy areas of Hawaii, including its popular beaches. To avoid being a victim, never leave valuables unattended while taking a swim. While out shopping or milling around attractions, consider keeping your cash and credit cards in a money belt, which is much more secure than a wallet or purse.

Before You Travel to Hawaii – Do This

• Pack more than swimwear – Hawaii has some amazing hiking destinations, so you’ll want more than a pair of sandals to walk in. 
• Don’t forget sunscreen – You’ll be spending a lot of time outdoors while in Hawaii, so you need to do your part to protect your skin.
• Buy insurance – Protect every other part of your health and finances by researching and purchasing Hawaii visitors medical insurance or travel insurance.

DISCLAIMER: The information within this article is intended as a broad summary of benefits and services and is meant for informational purposes only. The information does not describe all scenarios, coverages or exclusions of any insurance plan. The benefits and services of an insurance plan are subject to change. This is not your policy/certificate of insurance. If there is any discrepancy between the information in this article and the language of your policy/certificate wording, the language of the policy/certificate wording will prevail.

The insurance plans available on this website are not specifically targeted towards the destination mentioned in this article. They can provide coverage while traveling away from home, according to the terms and conditions and geographic restrictions applicable to the specific plan.