Travel Insurance Direct

Travel Insurance for Hawaii

Going to Hawaii? Consider travel insurance cover for your trip

Why should I consider travel insurance for Hawaii?

Mai Tais, tiki torches, world famous surf and beaches for days! No wonder Hawaii is the holiday powerhouse it is. However, with natural disasters, expensive medical costs and the ever-present threat of spam related mishaps, there's a lot that can go wrong on your island getaway. TID offers travel insurance for Hawaii for those 'What if' moments. 

What do I need to know when travelling to Hawaii?

Hawaii’s beautiful beaches, friendly and relaxed atmosphere, and incredible shopping are just some of the reasons why Aussies flock to Hawaii on a regular basis, with so many Islands and secluded beaches to relax on, the opportunities are endless. But sometimes paradise can also turn into a nightmare if severe weather events, injury, or illness gate crashes your trip.

Hawaii is known to experience severe weather such as flash flooding and volcanic activity. If adverse weather affects your connecting transport, or a natural disaster occurs and you cannot use your booked accommodation, you may be covered for the related expenses to find other transport or accommodation.

Hawaii also offers plenty of ocean-based activities such as windsurfing, scuba diving and kayaking. But you don’t want to be left out of pocket if you have an accident and need medical help or even worse if you have to be repatriated back home to Australia.

Always check the travel requirements and restrictions for the countries you are planning to visit as rules and restrictions are subject to change. Smartraveller is a good place to start. The TID travel alerts page is also worth regular viewing in the lead up to your holiday. 

TID travel insurance coverage includes:

  • Cover for overseas medical expenses and cover for some Coronavirus-related events
  • Flexible levels of cancellation cover 
  • Medical repatriation if you're severely injured or fall ill abroad.
  • Cover for lost, stolen or damaged valuables.
  • Cover for lost or delayed baggage.
  • Cover for cancellation or trip delay.
  • Optional cover for high value items which you can add at time of purchase
  • Giving back to the community: through the Footprints Network program you can make a micro donation to a project of your choice when you purchase a policy. It will have a positive impact on others no matter where you travels take you.

Get a quote to get your next domestic or international adventure underway today. 

Traveller tip: don’t forget when travelling overseas, your Australian passport must have at least six months before its expiry date. 

What do I do if I need urgent assistance?

Anything can happen when you travel to Hawaii. The last thing you want is your holiday going sideways because you didn’t consider travel insurance for medical emergencies, trip delays, lost or stolen bags or unexpected cancellations.

If your stopover doesn’t go to plan, our Emergency Assistance Team are on call to help get you back on your feet and exploring the tropical rainforests in Maui, enjoying the scenic drives, clear beaches, and picturesque views of Oahu, or the surf at Kiahuna Beach, optimal for surfers of varying skill levels.

The Emeregency Assistance team are on call to help in any kind of medical emergency, and ready to answer any urgent questions as they arise.

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

What can travel insurance cover me for in Hawaii?

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

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Don't like medical bills?

Compensation for unforeseen medical expenses incurred whilst on an overseas holiday

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Unexpected cancellation?

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

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Airline cancelled flight?

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

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Taking luggage with you?

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

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.

Choose a plan that suits your holiday.

Just like choosing the perfect destination for your next getaway, selecting a travel insurance plan to suit your needs may be just as important. We have four plans to choose from, each offering a different level of cover. Check out each of the plans below where you'll find loads of information about each one.

The Works

Our most popular and comprehensive plan, the Works offers broad cover for international trips including unlimited cover for costs such as medical expenses and cancellation as well as added benefits.

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.


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. Read the PDS before purchasing.

Hawaii travel insurance FAQs.

Do I need a visa to enter Hawaii?

As a citizen of Australia, you must acquire a visa before entering Hawaii. Hawaii does grant the Electronic System for Travel Authorization (ESTA) Visa for Australian citizens online. Upon completion of an ESTA application a traveller is notified of his or her eligibility to travel to the United States under the Visa Waiver Program. Please refer to the ESTA website for more information and to apply. You can also visit the Smartraveller website to find out any travel requirements and handy information relating to Hawaii.

Am I covered for water activities such as jet skiing or scuba diving in Hawaii?

TID can cover you if you’re injured whilst participating in sports and activities. This includes water activities, such as jet skiing and scuba diving (as long as you obtain a scuba diving license or you’re diving under licensed instruction). For the full details including exclusions check out our sports and activities cover page.

Am I covered for natural disasters when going to Hawaii?

As long as you purchase your policy prior to the it being a known event, there is cover available for out-of-pocket expenses, such as pre-paid airfares and accommodation, should you have no alternative but to cancel your trip. Alternatively, if you’re prevented from travelling and choose to rearrange your holiday to travel at another time or to a different destination, there is cover available so long as the cost of rearranging is less than the cost of cancelling the trip entirely.

Does the Australian government pay for my medical expenses in Hawaii?

No, it does not. There is no reciprocal health care agreement in place between Australia and the United Sates, which means any medical expenses you incur in Hawaii won't be covered by Medicare or the Australian Government. Travel insurance may help cover you for overseas medical expenses you incur.

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

Find out more about travelling to Hawaii

Surf’s up: Best secluded Hawaiian beaches

Surf’s up: Best secluded Hawaiian beaches

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How to step off the beaten track in Hawaii

How to step off the beaten track in Hawaii

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Family friendly things to see and do in Hawaii

Family friendly things to see and do in Hawaii

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