hawaiian airline trip insurance

Travel Insurance

Just like you have car and homeowners insurance to protect your investments, Allianz Travel Insurance can keep your travel budget safe from the unexpected—giving you peace of mind throughout your entire trip.

How do I purchase travel insurance ?

Simply select travel insurance on the payment page when booking your flights — it’s the easiest and often the most affordable way to protect your trip. If you declined the travel insurance offer, you can still protect your trip online or call Allianz Global Assistance at 1-866-681-6003.

What if I have a pre-existing medical condition?

Allianz Travel Insurance plans can protect you from losses due to a pre-existing medical condition if you meet the following requirements:

• Travel insurance is purchased within 14 days of booking your flights .
• You are a U.S. resident when the insurance is purchased.
• You are medically able to travel when the insurance was purchased.

If you do not meet all of these requirements, you can still purchase insurance . But you will not be protected from any loss due to a pre-existing medical condition.

Terms, conditions, and exclusions apply to all plans.

What does the 24-hour assistance do for me?

Your Allianz Travel Insurance plan includes assistance services that can help you solve travel-related problems on the go, from reporting lost baggage to helping you find a hotel to locating emergency medical treatment. Wherever you’re traveling, Allianz Global Assistance’s team of travel experts is available to help.

• Within the United States, Canada, Puerto Rico and the U.S. Virgin Islands, call toll free at 1-800-654-1908
• Outside the United States, call collect at 1-804-281-5700

How can I file a claim?

For your convenience, you can file a claim and check its status using Allianz Global Assistance’s online claim management portal or their free TravelSmart™ app . If you need help at any point during the claims process, you can always contact their award-winning assistance team at 1-800-284-8300.

What if I have to rebook my trip to a later date?

If you change the dates of your trip, you may move your plan coverage dates to cover a new or rescheduled trip anytime within 770 days from date of initial insurance purchase. Coverage dates must be updated prior to traveling and prior to any loss for which you seek coverage.

There are two options to take advantage of this opportunity:

• If you know the dates of your rescheduled trip, please go to the Manage a Policy page at https://www.etravelprotection.com/HawaiianAirlines/home to update the travel dates associated with your plan.
• If you do not yet know your new travel dates, call Allianz Global Assistance at 1-866-681-6003 to put your plan on hold to use later. Once you know your new travel dates, please contact Allianz Global Assistance to update your plan's travel dates to cover your new trip.

Have more questions?

Visit our Frequently Asked Questions at eTravelProtection.com/HawaiianAirlines/FAQ

Allianz Global Assistance Contact Information

Need additional assistance? Here’s Allianz Global Assistance’s contact information.

Phone Number:  Toll free 1-866-681-6003 in the US (Country Code 001) Hours of Operation:   24 hours a day / 7 days a week Email:    [email protected]

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Hawaii Travel Insurance: Do You REALLY Need It?

Are you planning a trip to hawaii and have questions about hawaii travel insurance get all the info and find out whether or not you actually need it for your hawaii vacation, this post about hawaii travel insurance was written by hawaii travel expert marcie cheung and contains affiliate links which means if you purchase something from one of my affiliate links, i may earn a small commission that goes back into maintaining this blog..

You’re finally booking your dream vacation to Hawaii. You’ve saved up, planned the trip, and now all you need is to pull the trigger and lay down some serious cash. 

While Hawaii is known for its beauty, it is also known for being one of the more expensive vacation destinations, and what if something happens and you aren’t able to go?

Do you just lose out on the thousands of dollars you just spent, or should you suck it up and purchase travel insurance? Do you really need it?

With the current events going on in the world today, the answer is a resounding yes! 

Traveling without the right coverage could lose you everything in the event that your plans change. While no one likes the idea of dumping money into an insurance company, I absolutely encourage you or anyone else planning a trip to get travel insurance, especially to Hawaii. Keep in mind; you don’t need it until you NEED it! 

This blog post will discuss how travel insurance works and why it’s worth it for most people. We’ll also review Allianz , which in my opinion is one of the best companies for travel insurance.

I use them personally for every single flight, and they’re fantastic!

Want to skip all the planning and just access my detailed Hawaii Itineraries complete with daily schedules, kid-friendly activities, and travel hacks? Click the button below.

Planning a Trip to Hawaii FAQs

A trip to Hawaii can really vary in cost. It depends on how many kids/adults are going, where you stay, how long your trip is, and what you do. That said, a one-week trip to Hawaii for a family of four will usually run about $8,000. That includes airfare, hotel, food, and a few activities. You can see how I came up with that number HERE .

First, narrow down which island(s) you want to visit and book your airfare, hotel, and rental car. Then, do a little research to find a few activities you want to do, places to see, and tasty food options. From there, you can come up with an itinerary based on locations. It’s also important to learn a bit about Hawaiian culture and history, and learn a few key Hawaiian words so you can be a respectful traveler.

I usually recommend a minimum of 7-10 days for a Hawaii vacation. That gives some flexibility on travel times and options to do some activities and have time to relax. If you plan on island hopping, please allow 5-7 days per island.

Why Has Travel Insurance Become So Popular?

The pandemic has changed a lot about the way we book, travel, and plan getaways. It has also changed our views on travel insurance. Travel insurance is gaining popularity due to this new focus on health and health-related concerns.

Travel insurance helps if you have to cancel for covered reasons relating to health emergencies or COVID-related circumstances. It can offer you covered medical and dental benefits on your trips. Medical evacuations are covered in the case of an emergency, as well as many other accidents and unforeseen inconveniences.

What are the benefits of travel insurance?

There are many benefits to using travel insurance. A few benefits include: covering missing bags, health emergencies, stolen goods, and even cancellations of your much-anticipated trip.

Travel insurance can also help you and your family offset the cost of flight delays or other inconveniences that affect your trip itinerary. There are even options to cover multiple family members or include everyone in your travel party so that everyone has peace of mind during your trip. 

This is especially helpful if you are traveling with multi-generational families, as it can cover health emergencies for young children, teenagers, and grandparents who are accompanying you.

Travel insurance gives you and your family peace of mind when traveling. Plus it offers 24-hour assistance with any problems you may encounter on your journey to and back home from your destination.

Do I Need Travel Insurance for Hawaii?

While it is not a requirement to get travel insurance to take a vacation to Hawaii, it is highly recommended.

It is incredibly beneficial for you and those accompanying you on the trip if you do get it. Travel insurance can help in the event that your vacation rental gets flooded or is affected by any other natural disaster. Hint: Hawaii does have tropical storms and hurricanes.

Since the Hawaiian islands are close to volcanoes , oceans, and battered by the sea, constant erosion and natural weathering processes are a real concern. Travel Insurance will protect you and your stuff in the unlikely event of a natural disaster.

Hawaii also still has COVID protocols in place. So if you or a member of your party, unfortunately, tests positive, then there are options to cover your trip cancellation for that and similar reasons.

Is Travel Insurance for Hawaii Worth It Overall?

Travel insurance for Hawaii is absolutely worth it in the overall grand scheme of your trip. Travel insurance can cover you from the booking stages by helping to refund you if your trip gets canceled.

It can also aid your flying stages by helping to cover flight delay expenses or missing bags. Finally, it helps your travel and return stages by covering emergencies like health concerns, accidents, or stolen goods.

Best Travel Insurance for Hawaii: Allianz

The best travel insurance for Hawaii by far is Allianz . My family and I have used it for every flight we have taken to Hawaii since I was pregnant with my oldest. Allianz has been the most helpful and easily accessible travel insurance company we have ever worked with.

I want to emphasize that we primarily use Allianz for travel insurance on our flights . That way, we’re covered in case we need to cancel a trip. It’s really affordable (we pay about $100 total for our family of four).

However, they offer much more comprehensive travel insurance plans.

They have 24-hour assistance and an on-call group of specialists with access to a worldwide network of pre-screened hospitals. That means no matter where you are in the world, they have a place for you to go to get the medical care you deserve.

How Travel Insurance Works with Allianz

Travel insurance with Allianz is simple and easy to navigate. With specialists on call 24/7, you can call anytime with any questions about travel coverage, which plan is best for you based on your travel needs, and help if you need to file a claim. 

They also offer a “Get a Quote” feature on their website. This allows you to browse coverage options and get a cost estimate based on your needs without needing to even pick up the phone.

This feature makes it very easy to browse custom coverage and then estimate your budget for the rest of your trip while factoring in your travel insurance. 

What’s Covered with Allianz Travel Insurance to Hawaii?

Does allianz cover covid.

Allianz offers a unique coverage addition for epidemic-related concerns. This is especially helpful in 2021.

Usually, epidemic-related concerns, fear of travel, and travel advisory warnings are not typically covered by travel insurances. But with Allianz, you can feel secure that this additional coverage is an option for you. So no matter what situation you encounter, you can be prepared. 

Not all plans include all of the additional coverage. So you will want to make sure that your Declaration of Coverage includes the ‘Epidemic Coverage Endorsement’. While not all of the plans include this endorsement, there are temporary claim accommodations relating to COVID concerns as well. 

That means whether or not your current plan includes the endorsement of all of the epidemic coverage, there are several temporary claim accommodations that can be used for all purchasers of Allianz travel insurance.

The current temporary claim accommodations include emergency medical care for an insured individual who becomes ill with COVID while on their trip. That’s if the plan of the insured includes the Emergency Medical Care benefit. 

It also includes trip cancellation and trip interruption. That helps if an insured individual or that insured’s traveling companion or family member becomes ill with COVID before or during the insured’s trip. This is included with the Trip Cancellation or Trip Interruption benefits.

So, as you can see, Allianz has your health in mind while you travel. That’s because it covers anything the world may throw at you in these current times.

Can You Cancel For Any Reason with Allianz?

When it comes to cancellations, Allianz understands that sometimes life happens. While this type of coverage is not offered in their online options, you can speak to your travel agent about your options and purchase this type of insurance with Allianz through a travel advisor. 

Many travel insurances do not offer ‘cancel any time’ coverage at all. Or if they do, it is not such a great deal in the grand scheme of things. Allianz has one of the best deals when it comes to ‘cancel any time coverage.’ They can reimburse you 80% of your costs.

This is the highest percentage back rate among popular travel insurance companies by at least 5%.

Does Allianz Offer Refunds?

Allianz offers trip cancellation and trip interruption benefits which can reimburse you the cost of your canceled trip. If you have to cancel your trip or it gets interrupted for any of the covered reasons listed in your plan, then Allianz helps reimburse you for your prepaid, non-refundable trip payments. 

The covered reasons include many of life’s unfortunate, unforeseen circumstances. These include situations like a natural disaster that floods your booked vacation home, a sudden medical emergency, a family member’s death, and even jury duty or a divorce. 

These benefits offer a wide range of coverage that can protect you. And they will help you get your money back if any of these events happen to you before your trip.

Remember that to utilize these benefits, your selected plan must include them in your Declaration of Coverage. And you must notify your travel supplier within 72 hours of the cancellation. 

Allianz also offers to cancel any time coverage. That will help reimburse you 80% of your costs in the event of a cancellation.

How Much Does Allianz Charge for Travel Insurance to Hawaii?

The cost of a plan with Allianz varies by the cost of your trip, chosen coverage and benefits, age of the primary traveler, and dates of your planned travel.

Like I said before, we usually use them for travel insurance for our flights to Hawaii. It costs about $100 for our family of four.

However, they offer much more robust plans. These are perfect for people at a higher risk for getting sick while traveling and might need medical care.

The average price of the premier plan is usually around $1,200 for the average 30- to 40-year-old traveler staying in Hawaii for two weeks. 

This is specifically for the OneTrip Prime package . It covers the Epidemic Coverage Endorsement, Trip Cancellation, Trip Interruption, Baggage Loss, Emergency Medical, Emergency Transportation, and much more!  

This package is great for a one-time trip for the whole family. Plus it offers many benefits with the options for upgrades and rental car damage coverage.

However, Allianz offers many other packages that can cater to your needs. And they have multiple travel plans if you want more choices. 

For example, if you want a slightly cheaper package that still covers all of your basic needs, they have the OneTrip Basic. This plan is quite affordable and includes Trip Cancellation, Interruption, and limited Baggage Loss, and Emergency Medical benefits.

For those who are planning multiple trips or who are always traveling, they offer an AllTrips selection from basic to prime. The perk of this package is that if you don’t need cancellation covers, it offers extended medical benefits. This is an amazing comfort if you are traveling overseas consistently. 

Overall, Allianz has packages for affordable prices for any type of situation and coverage you could ask for.

Investing in Travel Insurance May Seem Like It’s Not A Necessary Expense, But When You Need It It Is Well Worth It!

In today’s world, travel is more accessible than ever. And many of us are fortunate to have the opportunity to go places that were once only a dream.

However, when you’re on vacation in Hawaii or anywhere else for that matter, being prepared with the right insurance can make your trip even better.

Whether it’s medical care while traveling abroad or just peace of mind knowing you will be taken care of if something happens before or during your Hawaiian getaway, investing in an affordable plan like our company offers may seem like a luxury but could prove invaluable should disaster strike!

When you consider how much time and money it costs to get back on your feet after an incident, investing in travel insurance for vacationing in Hawaii seems like a no-brainer!

Looking for more Hawaii Travel Tips ? Find out how to rent a car in Hawaii , t hings to pack in your carry on bag , the top Hawaii questions people ask , and the biggest Hawaii mistakes tourists make !

Should I Purchase Travel Insurance For My Trip To Hawaii?

Hawaii is really far away. Eight tropical islands sit right in the middle of the Pacific Ocean’s Ring of Fire. It’s a six-hour flight from the west coast of the mainland United States, eight hours from Tokyo and a little more than 10 hours from Sydney, Australia. As you can see, America’s 50th state is pretty equidistant from the Asian, Australian and North American continents. 

This means that a flight from New York City will put you in the air for about 12 hours, and you’re unlikely to fly non-stop. You’ll probably have to connect to another plane on the west coast. And these connections are done for practical and safety purposes. 

In early 2019, Southwest Airlines finally wrapped up a federal regulatory process that now allows the airline to fly routes to Hawaii. You see, there are no runways between Washington, Oregon, California, and Hawaii. Airlines that fly to Hawaii have to operate special planes, and the company’s crews must go through special training. So, when you connect on the west coast on your way to Hawaii, you’re likely stepping off of a “normal” domestic plane and onto a Hawaii route-certified plane.

Does the FAA know there is a certain risk when flying to the most isolated chain of islands in the world, but is a Hawaiian vacation really that risky? Should you actually take the extra step in purchasing travel insurance for your trip? Let’s weigh the pros and cons.

What Is Travel Insurance?

Unfortunately, not all travel insurance plans are the same, and some only cover very specific instances. Like most things in life, you usually get what you pay for, but, at the same time, you shouldn’t mistake value for the price. You’ll need to carefully examine each travel insurance plan to see if it fits your needs during your trip to Hawaii. 

What Does Travel Insurance Cover?

How Do They Apply To A Trip To Hawaii?

Well, let’s go through them step-by-step.  

1. Voluntary Cancellation

There is one way to receive free cancellation without purchasing travel insurance. You can simply fly Southwest Airlines to the islands while booking hotels with late cancellation windows. The hotels will refund your credit card in three to five business days, but the Southwest Airlines cancellation works a bit differently. You won’t pay a fee for the cancellation, and you’ll receive your fare back in the form of a travel credit good for future Southwest flights. So, if you paid $600 for a flight to Hawaii on Southwest and are forced to cancel, you’ll get exactly $600 worth of travel credit for future use with the airline. You just have to use the credit within one year of the original booking.

2. Missed Connections

3. Canceled Flights

Unfortunately, airlines are under no obligation to reimburse you for canceled flights due to weather. It’s simply out of the company’s control. But that brings us to our second canceled flight category -- mechanical failure.

Your flight may be canceled because a routine mechanical check sent up a red flag, and the plane needs work before it can fly again. An airline may ground a plane for a burned-out light in the cockpit or a faulty engine. Either way, you are entitled to compensation from the airline for your canceled flight because, in this case, it’s the company’s fault. Make sure to talk to the agent calmly and ask for a cash refund, including a refund for any secondary fees such as baggage fees and seat upgrade fees. If you settle for travel credit with the airline instead of cash, make sure to ask if there are any restrictions.

Note that you will not be reimbursed for your entire vacation. You’re still on the hook for your hotels and any tours you may have booked in advance. But, as you can see, travel insurance only covers canceled flights due to weather. Federal law covers canceled flights for every passenger in America when it comes to mechanical failure.

4. Dangerous Weather

5. Acts of Terror or Violence

There’s no way to forecast such an event, but Hawaii does have very strict gun laws. Hawaii has America’s lowest gun violence rate, so you’re safer on the islands than on the mainland. It’s extremely unlikely that you’ll have to use this coverage should your travel insurance plan even include it.

6. Sickness Or Injury During Your Trip

7. Lost, Destroyed or Damaged Bags

If your bag is delayed, you’ll simply talk to the baggage agent who will likely be able to tell you where it is currently located. Oftentimes, the bag is put on the wrong plane by mistake. So, you’re in Hawaii and your bag ends up in Spokane, Washington. The airline will get your bag to the islands as quickly as possible, and the airline will courier your bag to your hotel. This usually happens within 24 hours.

But, if you’re nice enough to the baggage attendant, you can tell them that you don’t have any clothes, swimwear or hiking shoes with you right now; the items you would need to enjoy your vacation while you wait for your bag to arrive. The airline attendant may give you a toiletry bag full of goodies and may even write you a check so that you can buy hiking shoes and swim trunks. After all, federal law states that the airline must reimburse you for incidental expenses associated with your delayed bag, but the process is not regulated very well. It’s essentially up to the baggage claim person, so be nice.

Otherwise, you have a right to file a claim with the US Department of Transportation should the airline not fulfill its financial obligations. You can seek up to $3,500 in compensation per bag for a domestic flight. So, in the end, you really don’t need this kind of coverage because federal law already covers you. But, if you forgo the insurance, you may be in for a long, uphill battle.

8. Lost Passport

Most travelers to the Hawaiian islands are from the continental United States and are either US citizens or legal aliens. If that’s the case, then you don’t need this coverage whatsoever. You can fly to and from Hawaii without a passport. But this could come in handy if you are a foreign traveler. Just make sure the travel insurance covers the passport process in your country.

9. Emergency Medical Evacuation

10. Your Travel Company Goes Bankrupt

More than 10 million visitors from all over the world step foot on the Hawaiian islands every year and a variety of companies are waiting for their economic jolt. All in all, it’s tough for a travel company to go bankrupt without an “act of God,” so to speak. Extreme weather, like a hurricane or an eruption, might put a company under, but you shouldn’t count on it. You’ll have to call on this coverage only in extremely limited circumstances.

11. Emergency Assistance Services

To put the rareness of this into perspective, the last time transportation was halted to the islands was in 1992 when Hurricane Iniki made landfall. The storm crippled the island of Kauai and let loose hundreds of chickens. The water stopped flowing, the world-famous Coco Palms Resort was destroyed and the US Military had to barge in aid for those left on the island.

Calling on this coverage is quite a long shot, but, if you do win the unfortunate circumstances lottery and need the assistance, it could be a lifesaver. The insurance company could find you a place to stay, water to drink, food to eat and help evacuate you from the island.

Your bags are already covered by federal law, so you don’t need to worry about that. And if you’ve protected yourself with the aforementioned preemptive maneuvers, you don’t even have to worry about the worst weather. You’ll see it coming on the forecast. But unexpected bad weather, volcanic eruptions, and acts of violence can’t be forecasted, and this is where the travel insurance can actually help.

In the end, you should ask yourself this question -- are the type of person that would relax more if you had this type of protection? If the answer is yes, then you should purchase the insurance so that you can enjoy the trip of a lifetime just a little bit more. You can look at the extra cost as an investment in your peace of mind. But, if the answer is no, then you shouldn’t worry about it. Spend that money on a guided tour instead.  

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Travel Insurance for a Hawaiian Vacation: Why It’s a Good Idea

Taking a vacation in Hawaii? Congratulations! It’s one of the world’s great destinations – and it’s a domestic trip to boot, so no passports, no customs, and no foreign money.

But, when you add up the luxury resorts and the luxury golf-course greens fees and the airfare, Hawaiian vacations can be even more expensive than international vacations.

The cost involved to plan a trip to Hawaii is a major reason to buy travel insurance for a Hawaiian vacation. But don’t overlook these other reasons:

• Trip cancellation and interruption
• Baggage loss or damage

Emergency medical evacuation

Medical expenses.

• Travel assistance

Pro Tips: 4 Reasons Why Travel Insurance Is a Must for Expensive Trips

Looking at these individually:

Trip Cancellation or Interruption

No one planning a Hawaii vacation wants to even think about mentioning the remotest possibility that their trip may have to be canceled or interrupted, but as the Hawaiians say : “Never turn your back on the ocean.”

It could be an illness or injury that sends you to the hospital and makes it impossible for you to make your flight. It could be a disaster hitting your home, or losing your job, or climate change hurling an unexpected hurricane at your destination.

Whatever it is, you’re not going to see it coming until it’s there, ruining your vacation. Generali travel insurance has coverage for Trip Cancellation and Trip Interruption built into all its plans.

Find the Hawaiian island that fits your vacation style

Baggage loss, damage or delay

In addition to flights from the mainland, many Hawaiian vacations require travel between islands. All these different flights on different airlines increase the chances of something happening to your luggage.

Making sure your luggage and its contents are protected is a prudent step, especially when you’re vacationing in Hawaii. Generali travel insurance plans includes coverage for Baggage and Baggage Delay that can cover your luggage if it is stolen, lost delayed or damaged.

Baggage didn’t make it to Hawaii with you? While the airline works that out, go ahead and buy a bathing suit, hit the beach, and file a claim when you get back home. Just remember to keep receipts for items you need to buy while your bags are missing and be aware of the reimbursement limits of your plan.

Also read:  What to Do if Your Luggage is Stolen on Vacation

Hawaii may be part of the United States, but areas of the islands are surprisingly remote. If you fall down a slippery slope and break an ankle when walking through the rainforests of Kauai, getting you extricated and transported to the nearest medical facility can be difficult and expensive.

Are you ready to foot the bill for a  $100,000 emergency medical evacuation  on your trip?

Emergency Assistance and Transportation coverage from Generali can help bring you out of harm’s way and to the nearest suitable medical facility if you encounter an emergency illness or injury during your trip. Then, our top-notch Medical Team will help coordinate your medical needs so you can focus on rest and recuperation.

Read more about how travel insurance can help with medical evacuation

Because Hawaii is a domestic destination , chances are your medical insurance will work there. But even so, chances are if you have an unplanned visit to a doctor in Hawaii, you’ll have medical bills to pay due to out-of-network charges, deductibles or other fees.

That’s why travel insurance with medical coverage is so important. With Generali, Medical and Dental coverage is in excess of any health insurance you already have . That means it can pay what your medical policy doesn’t pay, up to the travel policy’s limit.

Medical expenses are a hassle – especially when you’re on vacation, and especially when you’re on vacation in Hawaii. Generali travel insurance with Medical and Dental coverage can lessen the hassle.

See all the types of medical expenses travel insurance can cover

Travel Assistance

Because Hawaii is popular and there’s so much to do, you may find yourself not having the time to track down the restaurant reservations and event tickets you want. That’s where Concierge Services come in. Every Generali plan includes access to a phone line staffed by real travel experts that can offer all sorts of travel assistance before or during your trip.

The plans also come with 24/7 Travel Assistance Services , which can provide live help with almost any emergency issue while traveling. It’s multipurpose help to make it easier for you to enjoy your time in paradise.

Of course, your Hawaiian vacation is going to be memorable. That’s a given. But is your Hawaiian vacation going to be memorable for all the right reasons? That’s where Generali can help. Get a travel insurance quote today.

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The Traveler’s Guide to Airline Travel Insurance in 2024

Last Updated: September 29, 2023 January 3, 2024

Travel insurance is now easier to purchase than ever before, and today’s travelers have many options to choose from when it comes to protecting their trips. In recent years, single trip travel insurance has increased in popularity and is now easier than ever to obtain. Now, many airlines offer travel insurance to passengers as part of their checkout process. 

Plans offered by commercial airlines can differ greatly from one company to the next. Below we dive into the world of airline travel insurance, and break down some of the best plans offered by popular carriers. 

Understanding Airline Travel Insurance

One of the biggest misconceptions is that  the airlines themselves  are insuring the trip. Instead, many airlines partner with prominent travel insurance providers to provide passengers with travel protection. 

The policies offered through these partnerships are often fairly comprehensive, and cover a lot of the common travel disruptions you may encounter on a trip. Common inclusions in airline travel insurance include coverage for: 

• Flight delays
• Trip cancellations
• Missed connections
• Lost luggage
• Emergency Medical
• Medical Evacuation

As with any type of insurance policy, it’s important to read the fine print of these plans to understand what they cover.

How Does Airline Travel Insurance Differ From Third Party Travel Insurance?

Purchasing third-party travel insurance, also referred to as independent travel insurance, involves shopping around on your own to find a trip protection plan. This could include going directly to a provider or visiting a comparison site like Squaremouth. 

Buying a policy through your airline will always be the quickest option as it only adds a couple of clicks to the checkout process. However, sometimes it pays, or saves, to look around. 

Some other things to consider when deciding where to purchase insurance include: 

• Options: Airlines usually only offer one option for their customers. Shopping around, travelers can explore more than 100 different plans from top providers. 
• Coverage: Travelers that want more or less coverage than what their airline offers have few options to modify their policy. Most providers offer customers multiple plans with varying degrees of coverage. 
• Cost: Pricing can vary quite dramatically for travel insurance, even when coverage is similar. Shopping around lets you evaluate what different providers are charging. 

Airlines That Offer Travel Insurance in 2024

Many of the major airlines that operate across the United States offer some form of travel protection to their passengers. These plans are often available for purchase during the checkout process as an optional add-on. Some airlines also offer the option to retroactively add trip protection to your trip after making a booking. 

Below is a breakdown of various airline travel insurance policies that are current at the time of publishing this article. 

Please note that this is not an exhaustive list of every airline that offers travel insurance.

Alaska Airlines Travel Insurance

Alaska Airlines’ travel insurance plan is offered through Allianz Global Assistance . When creating a quote on their site for trip protection, the following coverage was presented: 

• Trip Cancellation: 100% of Trip Costs
• Trip Interruption: 100% of Trip Costs 
• Emergency Medical:  $10,000
• Medical Evacuation: $50,000
• Travel Delay: $150 with a 6 hour minimum delay
• Baggage Delay : $100 when bags are delayed more than 24 hours
• Baggage and Personal Item Loss: $500

Expert Tips: 

Most third party travel insurance premiums range between 5-10% of a travelers total insured trip cost. The premium for this policy was above average, equating to more than 10% of the total trip cost included in the quote. The medical coverage does not meet Squaremouth’s international travel insurance recommendations for medical coverage of $50,000 in Emergency Medical coverage and $100,000 in Medical Evacuation coverage. 

American Airlines Travel Insurance

American Airlines offers travel insurance through a partnership Allianz Global Assistance. According to American Airlines’ official website , Allianz offers multiple options to passengers with varying degrees of coverage. 

When creating a quote for travel insurance through American Airlines for this article, we were presented six different plans, with an option as low as $22. The most comprehensive plan, called “Travel Insurance II” offered the following benefits: 

• Change Fee Coverage: $250
• Baggage Delay: $100 when bags are delayed more than 24 hours

The above benefits are consistent with a comprehensive policy. However, the cost of the policy offered was 11.5% of the total trip cost, much more than comparable plans found through a third-party site. The medical coverage also does not meet Squaremouth’s international travel insurance recommendations for medical coverage. 

Delta Travel Insurance

Similar to the majority of airlines, Delta’s trip protection is also offered through a partnership with Allianz Global Assistance. 

The following plan was offered when creating a quote for an international trip: 

Similar to American Airlines’, the plan offered equated to 11.5% of the total trip cost. In general, comprehensive policies will fall between 5-10% of a traveler’s total insured trip cost. Like other policies mentioned in this article,  the medical coverage also does not meet Squaremouth’s international travel insurance recommendations for medical coverage. 

Hawaiian Airlines Travel Insurance

Hawaiian Airlines is another carrier that offers its passengers Allianz Global Assistance trip protection. Similar to American Airlines, Hawaiian Airlines passengers have more than one policy to choose from. 

Their comprehensive policy, referred to as “Global Travel Protection,” featured the following benefits: 

The Hawaiian Airlines travel insurance policy that was displayed on the quote amounted to roughly 10% of the total trip cost used for the quote. The coverage lacked adequate medical coverage for most international trips. 

Southwest Airlines Travel Insurance

At the time of this article being published, Southwest does not offer travel insurance to its passengers. Travelers flying Southwest that want to protect their trip costs should consider using a third-party comparison site to compare policies from multiple providers. 

It’s important to note that Southwest does have a generous refund policy for travelers that no longer wish to travel. Under the policy, even nonrefundable tickets can be canceled in return for future flight credit. 

Spirit Airlines Travel Insurance

Unlike the majority of airlines in the United States, Spirit Airlines partners with Travel Guard to provide passengers with travel insurance. 

The following coverage was displayed when Squaremouth submitted a quote on Travel Guard’s website following a link on Spirit. 

• Trip Interruption: 125% of Trip Costs 
• Medical Evacuation: $20,000
• Travel Delay: $100 per day, $500 in total, with a 5 hour minimum delay
• Missed Connection: $500
• Baggage Delay: $500 when bags are delayed more than 24 hours
• Baggage and Personal Item Loss: $1,000

Compared to policies offered by other airlines, Spirit’s option provides travelers with more coverage for delays, cancellations, and lost luggage. With that said, the Medical Evacuation coverage is $30,000 less than most other carriers, and does not meet the recommended amount for international travel. 

The policy offered through Spirit is also one of the cheaper options, at under 10% of the total insured trip cost. 

United Airlines Travel Insurance

United is another airline that uses Travel Guard as its travel insurance partner. 

The following coverage was found when filling out a quote using links on United’s website: 

Coverage is almost identical to what’s offered by Spirit, but with slightly higher Medical Evacuation coverage. As with every other policy offered by airlines, there is still less-than-ideal medical coverage for international trips. 

How Much Does Airline Travel Insurance Cost?

From reviewing quotes from multiple airlines, the average comprehensive airline travel insurance policy will cost travelers anywhere from 9-12% of their total trip cost. Some airlines also offer less expensive options to passengers with less benefits and lower coverage.  The cost of airline travel insurance is high compared to third-party travel insurance. As a rule of thumb, most travel insurance policies will cost 5-10% of a trip’s total cost. Anything higher than that is considered expensive for travel insurance. 

Is Airline Travel Insurance Worth It in 2024?

Judging a policy’s worth depends on your specific situation. In reviewing policies for this article, Squaremouth found that policies offered by airlines generally cost more and offer less coverage compared to third-party travel insurance providers. 

However, you may find that the policies offered by your airline meet your needs as a traveler. In any case, Squaremouth would recommend shopping around and comparing plans from different providers before buying a policy directly through an airline. 

With little effort, you may find a cheaper policy that offers much more generous coverage. Many credit cards these days also provide travel protection as part of their benefits package to cardholders. If you have a travel card, we recommend assessing what coverage you already have before purchasing any additional coverage. 

June 1, 2020

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Airline Travel Insurance

Why Buy Airline Travel Insurance?

Flights and hotels are booked. But, what happens if...

• You come down with the flu just a few days before your departure?
• The tour operator for your 2-day excursion declares bankruptcy?
• You are unexpectedly laid-off from your job?

Let Allianz Travel Insurance help protect your trip investment by taking the worry out of unforeseen circumstances that could disrupt your plans. We can provide trip cancellation coverage, giving you cash back for up to 100% of your trip costs for reasons like: Termination by employer* Covered illness or injury of you or your traveling companions* Airlines stopping services for at least 24 hours due to natural disasters such as hurricanes, named severe storms, or earthquakes*

Have you ever noticed that some people in the airport look perfectly unruffled, even as chaos unfolds around them? You too can be one of those polished flyers with these air travel tips for packing your bags, sailing through security and dealing with flight delays.

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Is Travel Insurance Worth It in April 2024?

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Table of Contents

What does travel insurance cover?

What does travel insurance not cover, when is travel insurance not necessary, when is trip insurance worth it, where to buy travel insurance, how much does travel insurance cost, should you rely on credit card travel insurance instead, so, is travel insurance worth it.

Travel can be expensive. Insurance protects your nonrefundable vacation investment if the unexpected occurs. But is travel insurance worth it?

The answer will depend on whether your trip is refundable, where you're going, whether you'll have health coverage at your destination and how much coverage you already get from your credit card. Here are some key topics to understand when deciding if travel insurance is right for you.

Travel insurance (or trip insurance) covers a number of travel-related risks, from flight cancellations to lost bags to medical emergencies.

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

The dollar amount of your coverage depends on the policy you bought and where and when you bought it. Most travel insurance providers offer several different policies to choose from, with higher or lower levels of coverage and higher or lower prices to match.

» Learn more: What to know before buying travel insurance

You can buy policies that cover a single trip, multiple trips or a full year. You can buy an individual policy or one that covers your entire family. There are many companies that offer policies, with Allianz and Travel Guard among the best-known. Here is a chart showing the benefits and coverage levels available on some Allianz policies.

NerdWallet recently analyzed various travel insurance policies to help you choose the plan that best aligns with your travel goals. Check out our results here: Best Travel Insurance Companies Right Now .

» Learn more: Does travel insurance cover medical expenses?

Incidents not covered by your travel insurance vary by policy and provider.

Pre-existing medical conditions are often excluded from coverage, meaning your benefits don't apply to claims related to that condition. Some policies cover pre-existing medical conditions if you meet certain criteria, for example if you purchased the policy within 14 days of paying for your trip and if you were well enough to travel when you booked your trip.

» Learn more: The best travel credit cards might surprise you

Plan on mountain-climbing or engaging in other dangerous activities on your trip? Many policies won't cover you if something goes wrong unless you buy a policy that specifically includes adventure sports. World Nomads travel insurance , for example, offers the Explorer plan, which includes coverage for cave diving, cliff jumping, heli-skiing and many other activities that are considered risky.

Other incidents excluded from a trip insurance policy may involve war, acts of terrorism and the use of alcohol, which can cause your injuries to be designated as "self-inflicted," or the use of drugs, which may be illegal.

If you want full flexibility to cancel your trip you'll need to find a policy that allows you to purchase a Cancel For Any Reason (CFAR) add-on. This additional benefit does exactly what the name implies and allows you to cancel your trip for any reason. Typically, you'll get around 75% of your prepaid nonrefundable trip expenses back, although exact timing and percentages vary by policy.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

Travel insurance primarily covers two aspects of your trip — your nonrefundable reservations and your medical expenses while traveling.

If all of your reservations can be canceled without penalty, then trip cancellation or trip interruption coverage isn't necessary. But even if your trip isn't 100% refundable, insurance may not be necessary. For example, a cheap flight and hotel stay may not be worth covering, though you may still want to purchase travel insurance for medical situations.

Medical coverage typically is not necessary if you have a U.S.-based health insurance policy and you're traveling within the U.S. In those cases, you probably already have adequate coverage for illness or injury.

There are a few reasons that travel insurance can be worthwhile: to protect your nonrefundable trip costs, your luggage or your health.

When should you get trip cancellation and/or trip interruption insurance?

If you would lose the money you paid for your flights, accommodations, rental car, or activities if you had to cancel or go home early, travel insurance that specifically includes trip cancellation and trip interruption is probably a good idea. If your trip is canceled or interrupted for a covered reason, this protection will cover your reservations.

For example, if you're planning to travel to a destination that could have weather-related issues, like hurricanes in the Caribbean, travel insurance may protect your noncancelable reservations. Some policies also provide emergency evacuation to escape dangerous situations. However, if you try to purchase travel insurance after the storm poses a risk, the insurance probably will not protect you.

When should you get baggage delay and/or lost luggage coverage?

Imagine if you go on a one week trip and your checked baggage is lost or delayed. While you’re waiting to get your luggage, baggage delay insurance will reimburse you for any essentials (i.e. toiletries, medicine, socks, clothing, etc.) that you may need to purchase because you don’t have your own things.

But what if the worst case scenario happens and your bag is just lost or stolen? Lost luggage insurance will reimburse you for your misplaced bag, up to a specified dollar amount.

If you’re only traveling with a carry-on, you don’t need these two types of coverage.

When should you purchase travel medical insurance?

U.S.-based health insurance policies generally offer coverage anywhere within the U.S. But if you get sick or hurt when you travel internationally, some policies like Medicare may not cover you.

Even if your health insurance covers you outside the country, doctors at your destination may not accept it. Without travel insurance, you could be stuck paying for these bills out of pocket, then seeking reimbursement from your healthcare provider.

When should you purchase CFAR?

Most travel insurance policies won’t help you get your expenses if you cancel for a “non-covered” reason, like when your plans change or you simply don’t want to go anymore. That’s when it might be good to purchase CFAR.

If you’ve booked a trip but think that you may need to cancel for a reason that’s not covered by trip cancellation, the CFAR add-on will allow you to get up to 50-75% of your nonrefundable trip costs back as long as you cancel at least 2 - 3 days before the trip starts. The add-on must also be purchased within a specific time of the initial trip deposit (usually 14 - 21 days).

What can be an example of a cancellation that’s reimbursable under CFAR? Let’s say you book a trip with your significant other but you break up a week before the trip and don’t want to go alone. Or you book a trip really far in advance but when the date nears, you realize that you don’t want to go anymore. CFAR will be helpful for you in these instances.

When should you purchase travel insurance even though you already have a credit card that provides it?

If you already have some travel insurance protections (e.g., trip cancellation, trip interruption, baggage delay) from your credit card, but you feel that the limits are insufficient, consider purchasing a comprehensive travel insurance plan or a standalone travel medical insurance policy to protect you in case of medical emergencies on your trip.

» Learn more: The majority of Americans plan to travel this year, according to recent NerdWallet study

If you booked your trip through a travel agent, you can likely purchase coverage through them. That includes online travel booking engines like Expedia. If you're taking a cruise , you're usually offered the chance to purchase coverage during the booking process. Similarly, airlines may offer you certain types of coverage when you book a flight through their website. If you have an award booking , you have travel insurance options too.

Another option: Purchase travel insurance directly through the website of a travel insurance company, like Allianz , AXA or Travel Guard .

» Learn more: Airline travel insurance versus independent travel insurance: Which is right for you?

The cost of travel insurance is based on the specifics of your trip. The best way to get a price is to request a quote through the websites of travel insurance providers. Or you can compare multiple insurers in one place with a consolidator like InsureMyTrip.com or SquareMouth .

Many travel credit cards provide certain types of coverage in case your flight is delayed or canceled, your rental car is damaged, or your luggage is lost or delayed.

Here are a few credit cards offering travel protections that could serve as an alternative to travel insurance. But even with these cards, the benefits have a lot of fine print.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

These are attractive benefits, but the coverage may not be as broad as you would get buying insurance. For example, AmEx cards only cover round-trip travel, so if you don’t have a return flight booked yet, you might want to consider additional coverage.

Secondly, only the Chase Sapphire Reserve® provides emergency medical and dental coverage. The other cards don’t.

Plus, these cards can come with steep annual fees that may be more than you would pay for a travel insurance policy. So don't sign up for a card just to cover one trip unless you've compared costs.

» Learn more: The best credit cards for travel insurance benefits

If you've paid a considerable sum for a nonrefundable vacation, travel insurance is likely a good idea. International travelers who need coverage in case they get sick or injured should also consider buying a policy. If troubles arise, you'll be glad that you're protected.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

How Much Does a 2024 Hawaii Trip Cost? (+ Budget Saving Tips)

W hat family doesn’t dream of a visit to Hawaii? The Hawaiian Islands hold incredible appeal and intrigue for families as a vacation destination. With spectacular beaches, incredible landscapes, and kid-friendly resorts, it seems easy enough to pack your bags and head across the Pacific for a Hawaii vacation. But how much does a Hawaii trip cost? We’ve crunched the numbers to come up with guidelines for a Hawaiian vacation budget.

Below is an outline of travel costs that families can use when visiting Hawaii for the first time . This includes the approximate cost of flights and accommodations, how much to pay when renting a car in Hawaii, what time of year to travel in order to save money, and how to plan for the cost of special experiences like a helicopter tour of Mauna Kea or surf lessons.

With the right planning, your family can determine how best to allocate your precious travel savings to design the Hawaii vacation package of your dreams. If you want to cut this budget down, check out these 105 tips for doing Hawaii on a budget . These are also some great tips for saving money to travel .

Hawaii Budget Assumptions

For calculating Hawaii trip costs, this post will outline pricing for two adults and two children between the ages of 6-11 , traveling from the east coast of the United States in the summer months , and spending 5 nights each on Oahu and the Big Island of Hawaii , for a total of 10 nights, 11 days.

These islands were chosen because they offer the common introductory Hawaiian experiences: Oahu is home to Pearl Harbor, Honolulu, Waikiki Beach, Diamond Head, and the North Shore, while the Big Island of Hawaii has a laid-back vibe perfect for relaxing, and is home to six of Hawaii’s nine national parks including the best options for volcano viewing and hiking. You can use this guide to pick the best Hawaiian island for your family.

I have organized the costs of a trip to Hawaii by airfare, car rental/transportation, accommodations, food, and activities , including tips and ideas for savings in each category. If you want to skip to the bottom line, a summer trip to Hawaii for a family of four for 10 nights costs approximately $16,690, or about $417.25 per person, per day. But read on to see how this breaks down and where you can save money.!

Cost of Airfare to Hawaii

Note that this post contains affiliate links. If you click a link and make a purchase, I may receive a small commission.

The biggest cost differentiator when purchasing flights is whether your family is flying from the west coast of the U.S. or somewhere else (midwest, east coast, etc.) Expect to pay around $865-1,300 per person traveling from one of the east coast hubs in the summer months, while flights from California may be $700-900 in the summer.

Honolulu on Oahu has more flight connections to and from mainland U.S. airports than any other Hawaiian airport, so that is typically the point of arrival or departure. To maximize your vacation time, be sure to price out flying into Oahu and out of the Big Island (Kona is the largest airport on the Big Island) or vice versa.

This will save you another inter-island flight back to your initial destination for your return flight. If you choose Maui as your second island, you can often find direct flights from Maui to many U.S. cities.

Another huge cost savings can be gained by flying mid-week if at all possible. Flights in and out of Hawaii jump up in price on Saturdays and Sundays since it is primarily a leisure travel destination, not a business location.

Flight prices are also dependent on the time of year. The festive period, Thanksgiving week, and popular spring break weeks will price out similarly to summer dates, if not more. January and February are typically the cheapest time to fly to Hawaii if you have the flexibility to get away then.

For inter-island flights (like connections between the Big Island and Oahu), Hawaiian Airlines and Mokulele are your best bets. Hawaiian Airlines will feel similar to a full-service airline, and importantly, you can use or earn points on most of the major U.S. airlines like Delta and United when booking flights on this airline because of their mutual affiliation.

Mokulele is a typical low-budget airline. Expect limited service and no frills, but it certainly works and there can be significant cost savings, given that it is a very short flight time.

Prices for an inter-island flight are usually under $60 per person for a one-way flight and most flights are less than one hour in length. Do take note of flight departure times, though. It’s always best to schedule these inter-island flights for mid-day, so that your family is in the air between check-out time at one hotel and check-in time at the next hotel. Early morning departures may be a little cheaper, but then you’re stuck filling several hours before you can check into your next accommodation.

Be aware that Southwest Airlines does offer direct flights from several California airports to all the major Hawaiian Islands. Remember that Southwest prices aren’t published on flight comparison sites, so you must book directly with the airline.

For this post, I assumed that families would spend $900 per person to get to and from Hawaii, and then another $60 per person on a one-way inter-island flight. You’d want to budget for an additional inter-island flight if you need to get back to your island of arrival for your return flight to the mainland U.S., however.

I’d highly recommend signing up for Going to get alerts on flight sales to your dream destinations.

Total airfare cost: $3,840

Cost of Accommodations in Hawaii

Basic rooms that sleep four at full-service luxury resorts, like Disney’s Aulani on Oahu or Fairmont Orchid on the Big Island, price out around $700 per night in the summer months. You can easily spend $1,000 a night or more for more spacious accommodation, like larger suites or condos with kitchens at these properties.

For budget travelers, even three-star hotels in Hawaii price out at around $250-400 per night in the summer months. Often these properties sacrifice beach access or beautiful locations and expect rooms to be quite basic. But most will have that sought-after amenity of a great pool so they certainly work for families who don’t require a lot of frills.

For those who veer away from resorts and toward quieter, self-catering accommodations, expect vacation rentals to range from $250-1,500 per night in the summer. Prices on the Big Island tend to be a little lower and a better value overall than Oahu.

Keep in mind that having a kitchen may bring down your food costs, especially if you choose to cook some meals yourself, or simply prepare basic breakfasts and sandwiches and keep drinks and snacks cold. Resorts are not known for inexpensive food, after all.

Also, take note of what’s included when booking resort vacation packages in Hawaii. Some include the cost of all the on-site amenities, while others do not. Complimentary breakfast is not always a given here, either. Other properties have a big markup when it comes to daily resort fees ($30 per person per day is not uncommon). Reading the fine print is important for this style of accommodation.

Another cost-saving strategy is to book early, especially for peak summer dates. Many of the popular resorts are fully booked for July and August by February. So booking accommodation in the fall for summer travel makes a lot of sense just so you have access to all the room category options. Plus, many properties offer pay-in-advance discounts, though you’ll definitely want to invest in travel insurance should you decide to take advantage of those lower rates.

See the 9 best Maui resorts for families and the 7 best Oahu hotels for families .

I used the $700 average nightly rate for a lower category room at full-service resorts as my price calculation for accommodation costs.

Total Accommodation Cost: $7,000 for 10 nights

Transportation costs in Hawaii

Of course, if you want to get off the property of the resort and explore some of the natural beauty of the Hawaiian islands, you are going to need a way to get around. The cost to rent a midsize SUV is typically around $400 for 5 days, including taxes and fees.

Be sure to book early if you’re traveling to Hawaii during busy periods; rental cars often sell out a few weeks prior to peak travel weeks. When calculating total transportation costs, I assumed families would rent a car on both Oahu and the Big Island for the duration of their trip, plus another $150 in gas and parking fees.

Check car rental prices on Kayak

While both islands have public transportation by way of bus routes, most families find this method of travel prohibitively time-consuming to get to the various spots that interest them. For families that envision not leaving the resort much, but still want a taste of both islands, you can book a driver to take you around for the day for around $600 per day.

If you opt not to rent a car, you’ll also need to account for airport transfers. Private transfers price out around $70-150 for one-way service to various accommodations within a reasonable drive of the airport.

Total Car Rental/Transportation Cost: $950

Food Costs in Hawaii

There’s no way around it: eating in Hawaii is expensive. Many families who don’t plan ahead and take this into account have serious sticker shock when they arrive. Remember, a lot of the food has traveled by boat for over a week to get to the Hawaiian Islands.

One great rule to keep in mind, both when grocery shopping and dining out, is to look for food that is sourced locally. Not only will it be cheaper, but it will taste fresher and reduce your carbon footprint. For example, stop at markets and roadside stands for produce. It’ll be a fraction of the cost of what fruits and vegetables cost at the grocery stores and it makes for a great cultural immersion experience.

This is another example of why renting a car ultimately often saves money: because resort mini-markets are very overpriced. If you can get to a big box store to stock up on snacks or simple meal ingredients, there will be cost savings. That said, even grocery shopping is expensive. If you’re on a very tight budget, consider doing a little research in advance. Most of Hawaii’s grocery store chains are affiliated with a mainland counterpart. You may be able to use your loyalty card from home for discounts.

Naturally, dining out is also pricey. Look for accommodations that provide complimentary breakfast; this will be a huge cost saver up front. Next, aim for more reasonably priced lunches, like roadside stands or packed picnic fixings while you’re out exploring. This way, lunch will cost about $12 per person, instead of $25, which you can expect to pay at resort restaurants. Then you can indulge in lovely dinners with a little less guilt about the price tag. Expect dinner to cost around $50 or more per person, younger children who order off a kid’s menu will be significantly less.

Given that, we can assume that families of four will spend around $250 per day on food costs.

Total Food Cost: $2,500

Tours and Activity Costs

Undoubtedly the top reason families love coming to Hawaii is the natural beauty: gorgeous views, incredible beaches, and diverse landscapes. Fortunately, this is all completely free to enjoy once you arrive.

It’s quite easy to spend days exploring the islands without spending a dime other than on food and gas. Add in a few days of leisurely enjoying resort amenities, and it means activities don’t have to break the bank compared to other travel expenses.

That said, a trip here is often a once-in-a-lifetime experience, so families tend to want to do and see it all while here. A favorite bucket list activity can include surf lessons, which can cost around $100-200 per person for an hour or two. You may also want to visit Pearl Harbor. See more suggestions on things to do in Oahu with kids .

Most of the national parks in Hawaii are free to enter, but the three that do charge entrance fees are around $30 per car. Check to see if your resort will host a luau dinner during your stay, or plan to arrange to attend one off-site one evening. The cost is around $120 per adult and kids are usually half off (but this includes dinner).

The big ticket item is usually a helicopter tour. Costs can differ drastically based on where you go, how long, and your departure point. Generally, a tour that originates in Hilo, the rainier side of the Big Island, is a cheaper location yet offers incredible views of the volcanoes that dot the island. The cost for this for a family of four is around $1556.

Total Activity Cost: $2,400

Of course, for a vacation this expensive, you want to make sure you purchase travel insurance .

Total Cost for a 10-day Trip to Hawaii

The total cost for a 10-day trip to Hawaii for a family of four is about $16,690. This assumes nice, four-star accommodations and a few splurges on activities and meals. Of course, you may also want to budget for some souvenirs from Hawaii , we were very tempted by some beautiful paintings when we visited!

As we discussed above, families can save money on more budget accommodations, vacation rentals, preparing their own meals, staying at a resort to use the pool and beach and not renting a car or doing other activities. For West Coast families, it is also easy to visit for just a week or even five days. But if you are traveling from the East Coast and taking a 10-hour flight, you probably want to stay at least 10 days.

One of the best ways to save is to use airline, hotel, or credit card points to offset some of those expenses. If it is going to be a trip of a lifetime, save those points to make it happen!

Let’s recap the Hawaii budget breakdown:

There are cheaper locations to travel to, especially if your family merely wants sunny weather and sandy beaches. But Hawaii is one of the most unique locations in the world, with its indigenous culture, lush landscapes and rugged mountains, and incredibly luxurious yet kid-friendly resorts.

It has a correspondingly hefty price tag, but families unanimously consider a trip here money well spent, and many return year after year. Here are some tips for planning a budget trip to Hawaii .

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This guest post was written by Nicole Wiltrout. Nicole is a freelance writer and travel expert based in Indiana. She has traveled throughout North America and Europe with her children for the past nine years, including three years spent living abroad in England. She has written for a variety of websites and publications and is the author of “Dispatches from England,” available on Amazon, which chronicles her family’s time as expats. You can follow Nicole’s travels on  Arrows Sent Forth .

The post How Much Does a 2024 Hawaii Trip Cost? (+ Budget Saving Tips) appeared first on We3Travel .

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How artificial intelligence is changing the way you buy travel insurance.

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Artificial intelligence is changing the way you buy travel insurance. Here's how.

Artificial intelligence is transforming the way you buy travel insurance. From shopping for a policy to filing a claim, there's no part that hasn't been touched by AI.

"AI is revolutionizing travel insurance," says Greg Jung, chief growth officer for Seven Corners . "It's making it more efficient and tailored to individual needs."

Words like "efficient" and "tailored" are rare in the one-size-fits-all, bureaucratic travel insurance industry. For years, consumers had limited choices. And when they filed a claim, it took close to forever to get an answer, much less get paid.

Not anymore.

Jung says AI is doing away with that. The benefits to travelers include:

• Personalized coverage. AI can analyze vast amounts of data on traveler profiles, including travel history, preferences, and even risk factors like age and health conditions. That allows insurers to recommend customized travel insurance plans that provide the right level of coverage for each individual's needs.
• Proactive risk management. AI can analyze data to predict potential disruptions or emergencies that could impact a traveler's trip. This allows insurers to offer assistance, such as medical advice or flight rebooking assistance, in case of unforeseen events.
• Faster claims processing. AI can automate much of the claims process, verifying documents, assessing damages, and expediting settlements. Travelers can be reimbursed for covered expenses much more quickly, especially for straightforward claims.

Behind the scenes, travel insurance companies are also using AI to conduct better risk management. And there are parts of the business where travel insurance companies won't talk about how they use AI, such as in efforts to sell policies on their sites. Travel insurance companies are also hush-hush about how they are analyzing data to set rates and identify patterns in fraudulent claims data.

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This story is a long time coming. Travel insurance companies have been generally slow to adopt AI. You can see artificial intelligence in action in a few places, but in the places that matter to you — such as finding the best policy — there are still some gaps. AI won't fix everything in travel insurance, but it promises to make many things better.

What took travel insurance so long?

Why has AI been slow to catch on in the travel insurance industry? Well, it has — and it hasn't. I wrote about how Allianz was using machine learning to improve its products five years ago .

But across the industry, change has been gradual.

"Travel Insurance is highly regulated," explains Tim Dodge, vice president of marketing at Arch RoamRight . "There are strict policy definitions, communications guidelines and adjudication rules to which we must adhere. For AI to be successful in our industry, it has to be implemented carefully; improving the customer experience while maintaining regulatory compliance."

If you file a travel insurance claim and get frustrated with the time it takes to be settled, it's because of the way travel insurance is set up. There's a lot of required documentation to review in support of the claim.

Dodge says AI can potentially facilitate and speed up the claims handling process and reduce claimants' frustrations, and that's what travel insurance companies are now doing.

Where can you see AI in action right now in travel insurance?

Travel insurance companies are not waiting for the future.

Arch RoamRight’s AI chatbot has been integrated into every aspect of its customer experience, from its phone system to its website and travel agent portal. It's even used as a training tool for new hires, according to Dodge.

At Generali Global Assistance , a carefully trained chatbot helps customers obtain instant assistance, receive accurate information, and navigate policy complexities. "This digitalization empowers our agents to provide personalized support promptly," says Christopher Carnicelli, CEO of Generali Global Assistance.

Allianz Travel Insurance has been using AI to help streamline its claims process for years. It just added a new chatbot for customer support, too. "Our chatbot supports the customer during filing in the event the customer has questions or needs further assistance, and uses AI to qualify the customer’s needs to quickly get them the help they need,” explains Maggie Butler, director of customer experience at Allianz Partners USA.

At Faye Travel Insurance , an AI-powered app helps customers file claims for flight cancellations, baggage delays, and medical emergencies. The app speeds up the claims process, ensuring travelers get paid in hours instead of days. "It's part of our commitment to making travel insurance an integral and personalized part of each traveler’s experience," says Elad Schaffer, Faye's CEO.

Over time, the entire travel insurance industry will embrace AI. But there are exceptions.

Can artificial intelligence help you find the best travel insurance?

AI might help you find a better policy, but you have to know where to look. I tested the major AIs to see how they responded to a sample query, "I'm a 28-year-old woman who lives in New York. I am planning a one-week trip to Paris this summer. Please help me find the best travel insurance."

• Gemini offered two options — Generali and Travel Insured International, but did not show rates or a bookable link. The responses appeared to be based on a news article.
• Meta AI generated a succinct response citing the benefits of travel insurance with key coverage areas.
• Microsoft Copilot showed a generic "how-to" story about travel insurance based on an article I had written for Forbes.
• Hugging Face gave a generic response with advice on how to buy travel insurance.
• Perplexity offered several specific options, including Seven Corners, Nationwide and Travelex. However, it based its quotes on a story on a news site and did not offer a link to buy the policies.

Bottom line: You can't really shop for travel insurance using AI — at least, not yet.

AI doesn't work for everything in travel insurance

In the travel insurance industry, like in other places, artificial intelligence isn't the answer to everything.

For example, at INF Visitor Care , a company that sells travel insurance to those traveling to the U.S., AI is helping automate its claims system. INF applies machine learning to identify emerging trends in claims to design policies that cover customers when they need it for unexpected issues.

"It has revolutionized the way we think about pricing and policy coverages," says PK Rao, CEO of INF Visitor Care .

But when it comes to customer service, AI is not always the best solution.

"We find customers enjoy talking to a live person on chat and phone," adds Rao.

The future of travel insurance and AI is promising

Over the long term, AI promises to reshape the travel insurance business into one that works the way customers expect it to — quickly, nimbly and efficiently.

At least that's what Daniel Green, chief technology officer for Faye Travel Insurance , sees.

"Imagine a world where most insurance claims are processed in hours instead of days," he says. "A computer system can go out and collect all the documentation for you and prepare the paperwork perfectly, ready for a human to make a quick decision on whether to approve it or not."

AI also has the potential to insure you for only what you need — to give you the "perfect" policy.

"AI can prepare it in seconds based on being able to tell a computer in your own words what coverage you need, by having it translated into insurance paperwork-speak for you," he adds.

We aren't quite there yet, but we're getting close.

There's one more thing that is potentially keeping AI from changing travel insurance — and that is customers themselves.

Breanne Armstrong, who is director of insurance intelligence at J.D. Power, says most consumers understand that artificial intelligence and machine learning have a lot of potential, "but there is hesitancy."

Armstrong bases her observation on another study that J.D. Power recently conducted on banking customers and AI. Only 28% of respondents said they believe AI will make their lives better in the next three years. Roughly one-third say it will make no difference, and 17% say it will make their lives worse.

All you have to do is engage with any chatbot to understand those 17% of respondents. Talking to an AI about banking or travel insurance — or anything else, really — can quickly end in frustration.

"There are mixed sentiments," adds Armstrong.

That may well describe how people feel about travel insurance and AI. It could be great. But if it isn't implemented carefully, it could be not so great.

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