Who is covered under my Hawaiian Airlines World Elite Mastercard benefits?

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.

How does the Hawaiian Airlines World Elite Mastercard rental car coverage actually work?

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.

How do I file a claim with the Hawaiian Airlines World Elite Mastercard?

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.

What does the Hawaiian Airlines World Elite Mastercard not cover?

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.

Is cell phone protection included with the Hawaiian Airlines World Elite Mastercard?

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.

Are pre-existing conditions covered by Hawaiian Airlines World Elite Mastercard trip cancellation?

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.

Is the Hawaiian Airlines World Elite Mastercard rental car coverage primary or secondary?

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.

Does the Hawaiian Airlines World Elite Mastercard cover trip cancellation?

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.

Does the Hawaiian Airlines World Elite Mastercard cover travel delays?

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.

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

Barclays·$99/year·Mastercard World Elite·Federal Insurance Company (Chubb)

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read

Hawaiian Airlines World Elite Mastercard

2,3/5Independent review · verified June 2026

Travel Insurance

1,6

Car Rental

3,4

Protection

4,4

Our Verdict · Travel Insurance

Our opinion on Barclays Hawaiian Airlines World Elite Mastercard Travel Insurance

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

Cancel $5K. No medical or evacuation. Here's what that gap means for Pacific travel. You book a $4,800 non-refundable flight and hotel to Tokyo. The trip cancellation benefit covers up to $5,000 per trip ($10,000 per year) across 7 qualifying reasons, including sickness, extreme weather, military orders, and terrorism, with zero deductible. Trip delay adds $300 after 6 hours; baggage delay adds $300 if your bag does not arrive within 12 hours. Most cardholders assume the card covers a medical emergency abroad. It does not: there is no emergency medical or evacuation benefit on this card. A single ER visit in Japan averages $15,000 to $60,000. Standalone travel insurance starts at $100,000 per person for international medical coverage.

What works on travel

$5,000 trip cancellation per trip ($10,000/year): 7 covered reasons including sickness, extreme weather, terrorism, military orders, jury duty, and quarantine. Zero deductible
$300 trip delay after 6 hours: covers meals, lodging, and travel expenses. Two claims per 12-month period
$300 baggage delay after 12 hours: $100/day for up to 3 days, through Federal Insurance (Chubb)
$250,000 accidental death and dismemberment on common carriers: covers cardholder, spouse, and dependent children

Where travel breaks down

No emergency medical coverage: hospital expenses abroad are entirely out of pocket. A single ER visit in Japan averages $15,000 to $60,000
No emergency evacuation: there is no medical evacuation benefit. An air evacuation from a remote location can cost $80,000 or more
Pre-existing conditions excluded (60-day look-back): any condition diagnosed or treated in the 60 days before booking is not covered
Secondary coverage: all travel benefits pay after any other applicable insurance, including airline refunds and travel supplier credits

Our methodology

Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.

Travel Insurance · 8 guarantees

What does Barclays Hawaiian Airlines World Elite Mastercard Travel Insurance actually cover?

Quality, not just caps

Deductible : No deductible

- Sickness, injury, or death of cardholder, family member, or traveling companion with medically imposed restrictions - Inclement weather causing all travel to stop for at least 24 hours - Change in military orders for cardholder or spouse - Terrorist action or hijacking - Jury duty or subpoena that cannot be postponed or waived - Primary dwelling made uninhabitable - Quarantine imposed by a physician for health reasons

Reimburses non-refundable trip expenses if you must cancel for a covered reason. Coverage is up to $5,000 per trip or $10,000 per 12-month period, whichever is less. Secondary to any other applicable insurance or benefits, including airline refunds and travel supplier credits. Coverage begins on the date the trip was purchased and ends on the trip departure date.

Recommended : $10,000

What's not covered

- Pre-existing medical conditions (60-day look-back before trip purchase date)
- Airline-initiated cancellations
- Change of mind or personal reasons not in the covered list
- War, invasion, acts of foreign enemies, civil war
- Mental or emotional disorders (unless hospitalized)
- Participation in professional athletics or underwater activities
- One-way travel without a return destination

Deductible : No deductible

- Same 7 covered reasons as trip cancellation (sickness/injury, extreme weather, military, terrorism, jury duty, uninhabitable dwelling, quarantine)

Reimburses transportation costs if your trip is interrupted for a covered reason. Coverage is up to $5,000 per trip or $10,000 per 12-month period. Pays for travel on a common carrier to your return destination or to rejoin family members and travel companions at their current location. Secondary to any other applicable insurance.

Recommended : $10,000

What's not covered

- Pre-existing conditions (60-day look-back)
- Airline-initiated cancellations
- War, civil war, hostilities between nations
- Mental or emotional disorders (unless hospitalized)

Deductible : No deductible

- Inclement weather (any severe weather condition delaying the carrier's scheduled arrival or departure) - Equipment failure of the common carrier, documented by the carrier - Lost or stolen passport or travel documents - No coverage if the carrier cancels within 6 hours of your scheduled departure time

Reimburses travel expenses when your common carrier is delayed more than 6 hours while traveling to or from your destination. Coverage is up to $300 per trip, limited to 2 claims per 12-month period. Covered expenses include meals, lodging, and other travel costs caused directly by the delay. Coverage is secondary to any other applicable insurance or benefit.

Recommended : $500

What's not covered

- War, invasion, acts of foreign enemies, hostilities between nations
- Delays caused by government action or civil unrest
- Alcohol and gratuities typically not reimbursed under trip delay

Deductible : No deductible

- Bag delayed or misdirected by a common carrier for more than 12 hours from arrival at the destination - Full passenger fare charged to the covered Mastercard - Expenses for essential items (clothes, toiletries, phone chargers)

Reimburses essential purchases if your checked baggage is delayed more than 12 hours by a common carrier. Coverage is $100 per day for up to 3 days ($300 maximum). Applies at a destination other than your primary residence. Provided by Federal Insurance Company (a Chubb group member). Excess over any other applicable insurance or indemnity.

What's not covered

- Contact lenses, eyeglasses, or hearing aids
- Artificial teeth, dental bridges, or prosthetic devices
- Tickets, documents, money, securities, checks, travelers checks, or negotiable papers
- Business samples
- Lost luggage (delay benefit only, not total loss)

Emergency medical coverage abroad is not included in this Guide to Benefits. There is no reimbursement for hospital expenses, physician fees, or emergency dental treatment incurred outside the United States.

Emergency medical evacuation is not included in this Guide to Benefits.

Deductible : No deductible

- Loss must occur while entering, riding, or exiting a licensed common carrier - Full cost of the passenger fare charged to the covered card

Provides up to $250,000 for accidental loss of life, limb, sight, speech, or hearing while riding as a passenger on a licensed common carrier. Covers cardholder, spouse or domestic partner, and unmarried dependent children. Provided by Federal Insurance Company (Chubb). Requires full passenger fare charged to the covered Mastercard.

Recommended : $500,000

What's not covered

- War or declared/undeclared conflict
- Suicide or self-inflicted injuries
- Illness or disease (accidental injury only)
- Piloting or training to pilot an aircraft

Lost or permanently damaged luggage coverage is not included in this Guide to Benefits. The Baggage Delay benefit covers delayed bags only.

Policy document

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the Barclays Hawaiian Airlines World Elite Mastercard wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Compare

Hawaiian Airlines World Elite MastercardThis card2.3/5?

$99/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$150 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Barclays Hawaiian Airlines World Elite Mastercard stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Hawaiian Airlines World Elite Mastercard shoppers also consider.

Card	This card Hawaiian Airlines World Elite Mastercard Barclays · $99/yr 2.3/5?	Aeroplan Chase · $95/yr 3.2/5?	Sapphire Reserve Chase · $795/yr 3.9/5?
Trip cancellation Per person, per trip cap	Covered	$1,500 per person All prepaid travel	$10,000 per person 13 covered reasons
Emergency medical Hospital bills abroad	Not covered Cover this gap →	$2,500 Reimbursement only	$2,500 \| $50 deductible $50 deductible
Emergency evacuation Air ambulance + repatriation	Not covered Cover this gap →	$100,000 Pre-auth required	$100,000 \| pre-auth required Pre-authorization required
Trip delay trigger Hours before benefits kick in	Covered	12h / $500 Trigger: 12 hours	$500 after 6 hours Trigger: 6 hours
Rental CDW Primary or secondary	Covered	Secondary / $75,000 Secondary CDW	Primary / $75,000 Primary coverage

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

CreditCards.com

2024

Bags delayed on Hawaii flight, got paid

Had my bags delayed 14 hours flying into Honolulu. Filed a baggage delay claim, submitted receipts for beach essentials and a change of clothes. Check arrived in 3 weeks. No fuss.

WalletHub

2023

Trip delay documentation is strict

I thought I was covered when my flight was delayed 8 hours due to a mechanical issue. Turns out the documentation requirements are strict: you need a written delay confirmation from the airline. Took weeks of back-and-forth with Broadspire.

CFPB complaint

2024

Non-refundable hotel denied

Denied because the loss involved a non-refundable hotel booking rather than common carrier costs. I had to cancel under a mandatory doctor's no-travel order for a contagious illness and provided full medical documentation.

US Assistance

1-855-830-3721

24/7

International Assistance

collect: +1-855-830-3721

Collect calls accepted · 24/7

Benefit administrator: Broadspire (Crawford) for travel accident and baggage delay | MyCardBenefits.com (Sedgwick) for trip cancel, trip delay, CDW, and purchase protection

Claims & pre-authorizations

How to file a claim

Step 1: Identify the right channel

For trip cancellation and trip delay: contact MyCardBenefits.com or call 1-800-Mastercard. For baggage delay and travel accident: call Broadspire at 1-855-830-3721 or visit myclaimsagent.com. For extended warranty and purchase assurance: file with Sedgwick via MyCardBenefits.com.

Step 2: File within 60 days

For trip cancellation and CDW: report within 60 days of the incident. For baggage delay and travel accident: notify within 20 days. For purchase assurance and extended warranty: report within 90 days. Keep all receipts, boarding passes, and airline delay confirmations.

Step 3: Submit documentation within 180 days

Full documentation must be submitted within 180 days. Trip cancellation: physician statement or military orders plus non-refundable booking receipts. Baggage delay: property irregularity report and purchase receipts. CDW: rental agreement, damage report, repair estimate.

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.