Visitor Insurance for Honolulu, HI
Honolulu's Waikiki Beach draws 5 million international visitors per year — ocean activities and outdoor adventures create real medical risks without US coverage.
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Why Visitor Insurance Is Essential in Honolulu
Honolulu's Diamond Head, Pearl Harbor, and Waikiki Beach are iconic global destinations. Queen's Medical Center, Straub, and Kapiolani are Oahu's top facilities. International visitors — especially from Japan, South Korea, and Australia — have zero US coverage. Visitor insurance from IMG, Trawick, or WorldTrips is essential for any Honolulu or Oahu visit.
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 — full sticker price
With Visitor Insurance
- ✓Emergency medical covered up to $1M–$2M
- ✓Access to Honolulu's hospital network
- ✓Emergency evacuation included
- ✓Plans from $1.10/day
Our Plans Are Accepted At Honolulu's Top Hospitals
The Queen's Medical Center
Straub Medical Center
Kapiolani Medical Center
Hawaii Pacific Health
+ thousands more in-network hospitals and urgent care centers throughout Hawaii
Best Visitor Insurance Plans for Honolulu
All plans accepted at major Honolulu hospitals. Compare coverage and pricing below.
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 Honolulu — Frequently Asked Questions
Do visitors to Honolulu need health insurance?
Yes. International visitors to Honolulu have no coverage under US public programs. Queen's Medical Center, Straub, and Kapiolani bill uninsured patients at full rates.
What visitor insurance covers Honolulu and Oahu?
IMG Patriot America Plus, Trawick Safe Travels USA Comprehensive, and WorldTrips Atlas America all cover Hawaii hospitals. Ensure your plan includes emergency medical evacuation.
Does visitor insurance cover surfing or snorkeling injuries in Hawaii?
Yes. Water sports injuries are covered as accidents. Ocean activities at Waikiki, Hanauma Bay, or North Shore are all covered.
More Visitor Insurance Coverage Pages
Get Covered for Your Honolulu Visit
Compare plans from IMG, Trawick, and WorldTrips. Get your quote in 60 seconds.
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