A week in Hawaii for two people runs $5,000 to $8,000 once you add up flights, hotels, car rental, food, and activities. That’s a meaningful amount of money to lose if something goes wrong — a medical emergency, a canceled flight, a hurricane threat that reshuffles your plans.
Travel insurance typically costs 4-8% of your total trip cost, according to the Insurance Information Institute. For a $6,000 Hawaii trip, that’s $240-$480. Whether it’s worth it depends entirely on what you’re booking, how you’re paying, and how much financial risk you’re comfortable absorbing.
Here’s the breakdown — no fluff, just what you need to decide.
