Hawaiian Airlines World Elite Mastercard: what insurance do you get?

Coverage activates automatically when you charge the full fare for your transportation to the Hawaiian Airlines World Elite Mastercard. No enrollment, no phone call, and no activation step is required before travel. For trip cancellation and trip delay, the entire passenger fare must be charged to this card; partial payment with miles reduces coverage proportionally to the share paid with the card. For rental car CDW (collision damage waiver), you must decline the rental agency's collision coverage at the counter and pay the full rental with this card. For purchase protection and extended warranty, you must buy the item entirely with the covered Mastercard.

Trip cancellation and trip interruption cover the cardholder, spouse or domestic partner, and traveling companions whose fares were charged to the covered card. Family members do not need to travel with the cardholder to receive trip cancellation coverage, but their fares must be charged to the covered card. Baggage delay and travel accident insurance extend to family members traveling with you. For rental car CDW, the cardholder and any authorized drivers listed on the rental agreement are covered. For extended warranty and purchase assurance, coverage applies to items bought with the card, whether kept by the cardholder or given as a gift.

So, you're at the rental counter in Tokyo ready to pick up the keys. Decline the rental agency's CDW (collision damage waiver, the coverage they try to sell you for $20/day), charge the entire rental to your Hawaiian Airlines World Elite Mastercard, and you are covered for up to 31 days. Outside the United States, coverage is primary: your US personal auto insurance typically does not cover international rentals, so the card steps in first with no insurer involvement. In the US, coverage is secondary: your personal auto insurer pays first, and the card covers the remainder. Vehicles with an MSRP above $50,000, trucks, off-road vehicles, motorcycles, and antique vehicles are excluded. File a claim via MyCardBenefits.com or call 1-800-Mastercard within 60 days of the incident.

Claims go through different channels depending on the benefit. For trip cancellation and trip delay, visit MyCardBenefits.com or call 1-800-Mastercard (1-800-627-8372); report within 60 days of the incident and submit documentation within 180 days. For baggage delay and travel accident insurance, file with Broadspire (a Crawford company) at myclaimsagent.com or by calling 1-855-830-3721. For extended warranty and purchase assurance, file with Sedgwick via MyCardBenefits.com within 90 days of the loss. Keep all receipts dated. Some cardholders report approvals in three to four weeks; others describe documentation back-and-forth lasting six to eight weeks. File the day the incident happens.

The card does not cover emergency medical expenses abroad: there is no hospital benefit, no physician reimbursement, and no medical evacuation. Pre-existing conditions (anything diagnosed or treated in the 60 days before booking) are excluded from trip cancellation. Airline-initiated cancellations do not qualify: if the carrier cancels your flight, the card will not reimburse non-refundable hotel or activity costs. In the US, rental CDW is secondary, so you need personal auto insurance first. Cell phone damage and theft are not covered. Lost luggage (as opposed to delayed luggage) is not in this Guide to Benefits. Motorized vehicles, software, perishables, and items purchased for resale are excluded from purchase assurance.

Yes. The Hawaiian Airlines World Elite Mastercard has no emergency medical benefit. If you suffer an acute illness or injury abroad, every dollar comes out of pocket first. A single ER visit in Japan averages $15,000 to $60,000. Medicare covers zero dollars outside the United States. Standalone travel medical insurance starts at $100,000 per person for international trips and typically costs under $5/day for short trips. If your employer health plan covers you abroad, you have a baseline of protection. For most leisure travelers heading to Hawaii, Japan, or the South Pacific, that employer plan does not follow them, and this card's medical gap is a real financial exposure.

Cell phone protection is not included in this Guide to Benefits. The card offers purchase assurance covering damage and theft within 90 days of purchase, but this benefit excludes mysterious disappearance and items lost without evidence of a wrongful act. If you purchased your phone with this card and the manufacturer's warranty has expired, an extended warranty claim may apply for hardware failures that meet the warranty terms. Screen cracks, water damage, and accidental drops are not covered by either benefit. For full cell phone protection including accidental damage, a separate cell phone insurance plan or carrier protection add-on is required.

Pre-existing conditions are excluded from trip cancellation and trip interruption coverage. The benefit terms define a pre-existing condition as any injury or sickness affecting you, a traveling companion, or a family member traveling with you, for which you had symptoms, received a diagnosis, or underwent treatment within the 60 days before the trip purchase date. If you cancel due to a condition that emerged or was treated during that 60-day window, the claim will be denied. There is no pre-existing condition waiver on this card. If covering pre-existing medical situations is important, a standalone travel insurance policy with a pre-existing condition waiver or CFAR (cancel for any reason) upgrade is required.

The rental car CDW is primary when renting outside the United States and secondary when renting inside the United States. Outside the US, your personal US auto insurance typically does not cover international rentals, so the card steps in first with no personal insurer involvement. Inside the US, your personal auto insurance pays first, and the card covers the remainder. In both cases, you must decline the rental agency's CDW at the counter and charge the full rental to this card. For travelers on Hawaiian Airlines itineraries to Japan, South Korea, or the South Pacific, this international primary CDW benefit meaningfully reduces exposure compared to cards that are secondary everywhere.

Yes. The Hawaiian Airlines World Elite Mastercard covers trip cancellation up to $5,000 per trip ($10,000 per 12-month period), with no deductible. Seven qualifying reasons apply: sickness or injury with a physician's certification, inclement weather causing a 24-hour or longer travel stoppage, change in military orders, terrorist action or hijacking, jury duty or subpoena that cannot be postponed, your primary dwelling becoming uninhabitable, and quarantine imposed by a physician. Airline-initiated cancellations and pre-existing medical conditions are not covered. Coverage is secondary: airline refunds and other applicable benefits are deducted from any reimbursement.

Yes. The Hawaiian Airlines World Elite Mastercard covers trip delays of 6 hours or more, up to $300 per trip, with a limit of 2 claims per 12-month period. Covered delay causes include inclement weather, equipment failure by the common carrier, and lost or stolen passports or travel documents. The benefit reimburses reasonable travel expenses incurred during the delay, including meals and lodging. War, civil war, and hostilities between nations are excluded. File via MyCardBenefits.com or call 1-800-Mastercard (1-800-627-8372) within 60 days of the delay, and submit all documentation within 180 days.