Cover-More Maui and Hawaii Wildfires Event FAQ

On Tuesday, Aug. 8, 2023, strong winds from Hurricane Dora exacerbated wildfires, causing widespread damage to the Hawaiian islands of Maui and Hawaii. The fires have caused devastation throughout the islands, impacting tourism. Cover-More is here for our travelers whose travel plans have been affected by the wildfires.

For coverage to apply, the insured must have purchased a travel insurance plan before the foreseeability date of Aug. 08, 2023. Please read below to understand what benefits you may be eligible for.1

Trip Cancellation and Trip Interruption

Most of our travel protection plans include trip cancellation and trip interruption coverage when a destination is uninhabitable or inaccessible.2

“Uninhabitable” refers to structural and safety hazards, such as architectural instability, debris at the location, or lack of basic public services, including electricity, gas, sewer service, or water, thus creating an environment unsuitable for human occupancy.

“Inaccessible” refers to the inability to reach the scheduled destination by the original mode of transportation.


If your Hawaiian destination meets one or more of the above qualifications, you may may be eligible for reimbursement for prepaid, nonrefundable trip costs up to the amount insured on your policy.

Travel Delay

Most of our plans include coverage for reasonable additional expenses, such as meals, local transportation, and accommodations, provided you experience a five-hour (minimum) delay.1


If you are currently traveling to or from your Hawaiian destination and your trip has been delayed due to the wildfires, you may be eligible for reimbursement up to the benefit amount limit listed on your policy.

Medical Expense and Evacuation

Some Cover-More plans offer coverage for unforeseen illnesses and injuries, prompting emergency medical attention during a trip.


If you are currently on your Hawaiian trip and have been injured due to the wildfires or correlating destruction, you may be eligible for reimbursement for medical expenses, such as hospital fees, ambulance services, and physician care.

If you have been injured and require an emergency medical evacuation, such as a helicopter or air ambulance transfer to an adequate facility, your plan may offer reimbursement for medical transportation services to safely remove you from the island so you can get the help you need.1

Travel Assistance Services

Cover-More plans include 24/7 travel assistance services to protect travelers from a variety of problems. From flight rebooking and urgent message relay to family to medical transportation coordination and advanced hospital payments, our team is here to help you.

For travel assistance products underwritten by Zurich (provided by Zurich Travel Assist):

  • Within the U.S. and Canada (toll-free): 844.799.0331
  • Outside the U.S. and Canada (collect): 416.945.9802

Travel Alerts3

The Cover-More team is committed to providing you with up-to-date information regarding worldwide events that may impact travel. Visit our Travel Alerts page to view current events and their correlating foreseeability dates that help you to determine whether you are eligible for coverage.

1Coverage and benefits may vary by underwriter, product, and state of residence. The product descriptions provided are only brief summaries and may be changed without notice. The full coverage terms and details, including limitations and exclusions, are contained in the applicable insurance policy. 2The accommodation at the destination must be uninhabitable for a minimum of 24 hours, and uninhabitability must commence no more than seven days prior to the scheduled date of departure. 3This page is not all-inclusive. CATALT5