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As a U.S. citizen, Hawaii travel insurance is not going to involve concerns about health insurance. If you're already covered with health insurance on your home turf, you will likely be covered in Hawaii. What you're going to want to look for in Hawaii travel insurance plans is what you'd look for in just about any travel vacation insurance - protection against the unexpected travel tragedy excluding medical emergency.

Hawaii travel insurance would be great to have in a number of instances. For example, if you booked a cruise and the cruise line went out of business. If they went belly up, bankrupt, shut down, and can't take their cruise ships out of port you would be there holding your bags quite literally and an expensive but useless ticket for your cruise.

You are only going to get your money back in one of two ways. If you don’t have travel insurance coverage, you would have to go to bankruptcy court. In this instance often only the first few creditors, if any, are reimbursed. If you were one of them you would get your money back. Don't count on it! The other reimbursement alternative for reimbursement of that ticket for your cancelled trip is Hawaii travel insurance. You would simply file and claim and voila, money back to you without a problem.

Another protection you would want coverage for by your Hawaii travel insurance is if your trip should be delayed. Perhaps your flight is cancelled or delayed for bad weather and you're not home but instead at an airport where you need to change planes on a connection, or you might still be in Hawaii and trying to get back home. Often in these occurrences there is no immediate remedy and you might be stuck at your location a day or two. You would need a hotel stay, food and transportation to and from the airport to the hotel. In this day and age, the airlines rarely cover this, the right Hawaii travel insurance would.

What if your luggage is delayed, or worse yet lost or stolen? What are you going to wear? Who is going to give you the money to buy it? Again, this is what Hawaii travel insurance could cover.

What if you or another member of your travel party are in Hawaii and taken ill and require the care of your own physician? What if someone back home is gravely ill or passes away and you must return immediately? If you've purchase a restricted or non-refundable ticket you're not going to be able to change your return schedule. It would be very expensive to fly home last minute. Where would this money come from? Hawaii travel insurance can cover for such emergencies.

Clearly, Hawaii travel insurance could be a financial and stress-related lifesaver in time of vacation emergency. If considering a trip to the beautiful islands, remember a small investment in such trip insurance coverage could pay off big in the long run.