Why Americans Traveling to Hawaii Need Trip Insurance

If you’re looking for the perfect tropical getaway but don’t want to leave the United States, Hawaii is a perfect destination. With beautiful beaches, miles of reefs, and opportunities for world-class hiking, a trip to Hawaii is sure to be filled with excitement and adventure.

However, as you secure your travel plans, be sure to consider travel insurance for Hawaii. Specifically, a trip insurance plan can help ensure that your trip investment and non-refundable expenses are protected, a must for any trip to Hawaii.

What is Trip Insurance?

Trip insurance is coverage that you can purchase, no matter if you’re traveling domestically or internationally. This type of insurance helps decrease any financial risks by insuring your prepaid and non-refundable costs in case you aren’t able to complete your trip as originally planned. Prepaid, non-refundable costs that can be insured can consist of the following:

• Your flight to Hawaii
• Your hotel or accommodations
• Prearranged transportation (shuttles, buses, etc.)
• Adventure tours and other nonrefundable activities

Trip insurance is different from travel medical insurance in that travel insurance generally refers to medical coverage. Since you won’t be leaving the country on your trip to Hawaii, your domestic insurance plan will usually provide enough coverage in case any accident or illness were to happen.

What Does Trip Insurance Cover?

At VisitorsCoverage, we offer a number of trip insurance plans that can help protect you for unforeseen circumstances. These plans can protect you from financial burdens related to:

• Travel delays: Trip insurance may provide you reimbursement for additional transportation costs or additional expenses for meals and lodging should your flight be delayed by inclement weather or another covered reason
• Trip cancellation: If you have to unexpectedly cancel your trip, trip insurance can cover some of your non-refundable trip expenses such as airfare and hotel accommodations, thereby reducing your risk of financial loss
• Trip interruption: Should you need to cut your trip short for an unexpected, covered reason (for example, having to leave because of a natural disaster), trip insurance ensures reimbursement up to the covered amount for non-refundable, unused travel expenses that you’re forced to forfeit.
• Baggage delay/damage: If your baggage is either delayed or damaged by your airline, trip insurance coverage provides financial reimbursement up to the maximum benefit amount for the expenditure for necessary personal items.
• Rental car coverage: Many trip insurance policies offer rental car insurance to protect you from costs associated with physical damage and repairs to the rental vehicle, or its theft. Some policies may already include coverage for rental cars, while some may offer it as an optional add-on to your policy.

There are also plenty of other benefits available that can better perfect and personalize your travel insurance needs. Whether you are someone looking to go scuba diving in Hawaii, or you want the ability to cancel your trip beyond the reasons listed in your policy, travel insurance can help protect your trip investment. That includes flights, hotels, prepaid activities, and more. Purchasing trip insurance is a smart way to ensure that your investments will be protected in case anything were to happen.

What is the Best Travel Insurance Plan for Hawaii?

At VisitorsCoverage, you can easily compare trip insurance plans and buy them online quickly and without excessive paperwork. Here is our top plan for your trip to Hawaii:

Pathway Premier

Pathway Premier is a popular option for trip insurance and can provide great cushioning for expensive trips like a trip to Hawaii. Here are a few key highlights of what this plan provides:

• Cancel For Any Reason: In addition to traditional trip insurance coverage, Pathway Premier offers add-ons that may be nice to have, such as Cancel for Any Reason (CFAR) coverage. This kind of coverage means that you’ll be financially covered if you have to cancel your trip for any reason, even reasons not usually covered by standard insurance policies.
• Adventure Sports Coverage: Looking to participate in activities like scuba diving or hang-gliding in Hawaii? Pathway Premier has an optional adventure sports add-on that could be worth it for adventurous travelers, allowing you to interrupt your trip if you happen to get an injury while participating in a high-risk activity.
• Traveler Lounge Pass: Pathway Premier offers an additional lounge service that allows you to access airport lounges for free if your pre-registered flight is delayed by more than two hours. This service ensures ease during delays, with features like comfortable seating, complimentary snacks and drinks, and some lounges even have amenities like private rooms, office spaces, and spas for an additional fee, making sure you can relax and enjoy your trip more.

A travel insurance plan like Pathway Premier makes sure that you are covered in case of any unexpected scenario, so that not only are you protected, but your trip investment is also protected.

Consider Travel Insurance for Hawaii with VisitorsCoverage

As you pack your tank tops and swimsuits for Hawaii, consider purchasing trip insurance as well. Not only will it provide financial protection over the various costs of your trip, but the peace of mind you get puts you that much closer to enjoying the Aloha spirit. Feeling ready to get covered? Our Customer Success Team is just as ready to help you make sure that your Hawaii trip is one to remember.

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