Visitor Insurance for Hawaii
Hawaii draws 10 million tourists per year including 2+ million international visitors — ocean, hiking, and volcano adventure risks are real.
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International Visitors to Hawaii Have No US Health Coverage
Hawaii has no public health coverage for international visitors. Queen's Medical Center, Straub, and Kapiolani bill uninsured patients at full rates. Medical evacuation from the outer islands can add another $20,000+ to any emergency. Visitor insurance is essential.
Without Visitor Insurance
- ✗ER visit: $5,000–$30,000 billed to you directly
- ✗Hospital stay: $15,000–$100,000+
- ✗Medical evacuation: $20,000–$100,000
- ✗No negotiated rates — you pay full sticker price
With Visitor Insurance
- ✓Emergency medical covered up to $1M–$2M
- ✓Access to major hospital networks in Hawaii
- ✓Emergency evacuation included
- ✓Plans from $1.10/day
Our Plans Are Accepted At Hawaii's Top Hospitals
The Queen's Medical Center
Straub Medical Center
Kapiolani Medical Center
Hilo Medical Center
+ thousands more in-network hospitals and urgent care centers across Hawaii
Coverage Across All of Hawaii
Best Visitor Insurance Plans for Hawaii
All plans work at hospitals across Hawaii. Compare coverage, deductibles, and pricing.
IMG Patriot America Plus
Coverage: Up to $1,000,000
- A-rated by A.M. Best
- Covers acute onset of pre-existing conditions
- Emergency medical evacuation included
- COVID-19 treatment covered
- Deductible from $0–$2,500
Trawick Safe Travels USA
Coverage: Up to $1,000,000
- Comprehensive emergency coverage
- 24/7 multilingual assistance
- Hospital direct billing available
- Covers acute onset of pre-existing conditions
- Renewable up to 12 months
WorldTrips Atlas America
Coverage: Up to $2,000,000
- Highest coverage limit available
- Ideal for seniors and longer stays
- Covers urgent care and telehealth
- A.M. Best A-rated carrier
- Flexible deductible options
Visitor Insurance Hawaii — Frequently Asked Questions
Do I need visitor insurance for a Hawaii vacation?
Yes. International visitors to Hawaii have no coverage under US public programs. Surfing injuries, hiking accidents on Maui or the Big Island, and ocean emergencies can generate bills of $20,000+.
Does visitor insurance cover medical evacuation from Hawaiian islands?
Most plans include emergency medical evacuation. This is especially important in Hawaii where inter-island medical transport can be costly.
What visitor insurance plans cover Hawaii?
IMG Patriot America Plus, Trawick Safe Travels USA Comprehensive, and WorldTrips Atlas America all cover Hawaii hospitals including Queen's Medical Center on Oahu.
City-Specific Coverage in Hawaii
Major Cities
Ready to Get Covered in Hawaii?
Compare plans from IMG, Trawick, and WorldTrips. Get your quote in 60 seconds.
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