The best pet insurance in Hawaii

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Following the methodology developed by our researchers and using their repository of pet insurance data from various insurers, we’ve compiled a list of providers we believe offer the best pet insurance in Hawaii. If you’re a pet owner who considers their pets members of the family, read on to see if any of these companies might make a worthy investment.

Our top pick for the best pet insurance in Hawaii

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Reviews of the best pet insurance companies in Hawaii

Healthy Paws Pet Insurance Review

Professionals

  • There are no claims payout limits per accident, per year or for the life of the policy
  • Coverage for diagnostic tests and laboratories
  • Mobile app available

cons

  • Not available in South Carolina, New York or Pennsylvania
  • Age limit for coverage of hip dysplasia

ACCENTS

Annual deductibles
$100, $200, $500
Annual payout limits
None
Coinsurance
70%, 80%, 90%
Waiting periods
15 days (accidents and illnesses), 12 months (hip dysplasia)
Sample offers for dogs
$72.23 (with 70% automatic refund rate and $500 deductible)
Sample offers for cats
$15.03 – $32.00

Figo Pet Insurance Review

Professionals

  • One-day waiting for breakdowns
  • Up to 100% refund
  • International veterinary care covered
  • 5% discount for multiple pets

cons

  • There is no hereditary disease cover for pets over two years of age
  • 100% refund rate only applies to deductibles over $500

ACCENTS

Annual deductibles
$100, $250, $500 or $750
Annual payout limits
$5K, $10K or unlimited
Coinsurance
70%, 80%, 90% or 100%
Waiting periods
1 day for accidents, 14 days for illnesses, 6 months for orthopedic diseases
Sample offers for dogs
$20.59 – $129.42
Sample offers for cats
$5.23 – $32.87

Pets Best Pet Insurance Review

Professionals

  • Coverage for licensed veterinarians in the US and Canada
  • Deductible options start at $50
  • Covers pets from seven weeks of age

cons

  • No vet exam fee coverage with Essential plan
  • Slow claim processing

ACCENTS

Annual deductibles
$50, $100, $200, $250, $500 or $1K
Annual payout limits
$5K or unlimited
Coinsurance
70%, 80% or 90%
Waiting periods
3 days for accidents, 14 days for illnesses
Sample offers for dogs
$29.35 – $146.47
Sample offers for cats
$8.27 – $41.25

Overview of pet insurance

Professionals

  • Exam fees covered
  • 2-day accident waiting period
  • 24/7 pet hotline
  • 10% discount for multiple pets

cons

  • $1,000 coverage ceiling for dental conditions
  • Prescription drugs not covered by the primary policy

ACCENTS

Annual deductibles
$100, $250, $500, $750 or $1K
Annual payout limits
$5K, $8K, $10K, $15K or unlimited
Coinsurance
70%, 80% or 90%
Waiting periods
2 days for accidents, 14 days for illnesses
Sample offers for dogs
$43.51 – $155.40
Sample offers for cats
$11.66 – $41.66

On-site pet insurance review

Professionals

  • No additional waiting period for ligament and knee diseases
  • Vet exam fee coverage included
  • 24/7 vet hotline available

cons

  • Higher than average monthly premiums
  • Transaction fees apply to non-annual payments

ACCENTS

Annual deductibles
$100, $250, $500, $750 or $1K
Annual payout limits
$2.5K, $3K, $5K, $7K, $10K or unlimited
Coinsurance
70%, 80% or 90%
Waiting periods
14 days for accidents and illnesses
Sample offers for dogs
$28.08 – $284.76
Sample offers for cats
$7.58 – $77.44
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Guide to pet insurance in Hawaii

How much does pet insurance cost in Hawaii?

The cost of pet insurance, like health insurance for people, depends on a number of factors. Below we list some that could have a greater effect on what you pay for a pet insurance policy as well as your pet’s eligibility for pet insurance coverage.

Politics related

  • Cover options (accident only or accident and illness)
  • Self-participation
  • Recovery rates
  • Maximum payout limits
  • Add-ons (eg wellness plans that include routine care, pet dental care, etc.)

Related to pets

  • Age of pet
  • Health issues
  • Breed (mixed breeds are less likely to develop certain diseases)

In short, how much you pay for pet health insurance will depend on how you structure your policy and whether you want basic coverage for accidents and illnesses such as broken bones and cancer or more comprehensive protection for your pet.

You can read our article on how to buy pet insurance for an in-depth breakdown of all these elements.

The cost of dog insurance in Hawaii

Monthly premiums for dog insurance in Hawaii range between $30.38 and $179.01, according to pet insurance quotes for a one-year-old female dog.

The cost of cat insurance in Hawaii

Cat pet insurance, on the other hand, can have an estimated monthly cost of $8.18 to $48.30 for a basic accident and illness plan. These ratings reflect quotes for a one-year-old female cat.

Cost of pet care in Hawaii

According to an AVMA survey of pet ownership and demographics, the reason most people visited a veterinarian last year was for routine vaccinations or checkups, followed by medical problems or illnesses and emergency care. A basic accident and illness policy combined with a wellness plan or preventative care package can help offset some of these costs.

For residents of the Aloha State who cannot enroll their pets in pet insurance plans and may struggle to cover their pet’s veterinary care, the Hawaii Humane Society has created a number of programs that offer essential services at lower prices . Some of these include:

  • Neuter Now Program: This program provides discounted spay/neuter services — from pre-op exams to stitch removal — to qualified low-income families as well as EBT/Kokua and Medicaid cardholders.
  • Pet Food Bank: This program distributes pet food to people who struggle to feed their pets. Note: Because the program depends on donations it receives from the community and various organizations, it cannot guarantee the availability of food.
  • Microchipping: Pet owners can microchip their dogs or cats at Hawaiian Humane for $20.

Average vet bills for dogs in Hawaii

Veterinary bills for dogs taken in for emergency procedures can range from $200 to $7,500 nationwide. And if your pet needs more than one service or procedure, the bill can quickly add up.

Average vet bills for cats in Hawaii

Emergency vet bills for cats are not much different than those for dogs. Emergency vet care for cats can cost between $200 and $7,000, depending on the situation.

Hawaii pet laws

Some areas of Hawaii, such as Honolulu, require dog owners to keep them on a leash when in public places or on property, unless they are in an off-leash park. In counties like Maui, dogs must be leashed or confined in all parks and public places.

Hawaii law states that it is illegal for owners to house cats over six months of age that have not been sterilized. Honolulu prohibits unneutered cats from walking outside. The state currently has no laws requiring sterilization of dogs.

In Maui, dog owners convicted of barking violations can face fines of up to $500 each. The county defines excessive barking as barking, howling, crying or any noise that is disturbing to people for 10-20 minutes, depending on whether it is continuous or intermittent.

Consumer Protection for Hawaii Pet Insurance

Pet parents who believe their pet insurance providers have defrauded them, intentionally or unfairly denied or delayed payments on claims, or engaged in other deceptive practices can file a complaint with the Department of Commerce’s Insurance Division and Hawaii consumers.

How we found the best pet insurance in Hawaii

Our team of writers and editors has been regularly updating and improving our list of the best pet insurance companies since 2016. Our pet insurance experts have reviewed 19 insurers and zeroed in on the ones that provide the most benefits and follow best practices.

To find the best pet insurance in Hawaii, we read each of these providers’ policies and evaluated their enrollment requirements and limits, annual limit options, deductibles and coinsurance, exclusions, average costs, optional coverage, and more. We also looked at which insurers differentiate between treatable and non-treatable pre-existing conditions.

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Summary of the best Money pet insurance in Hawaii

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