Best Pet Insurance in Hawaii 2021

Last modified: September 15, 2021

Hawaii is an archipelago state where earthquakes and tropical storms are common. Of course, we all know that this means you should insure your property. But during natural disasters, your pets are vulnerable too.

This reason, along with the more common ones, makes it important to get pet insurance in Hawaii.

If you are looking for affordable insurance outside of Hawaii – make sure to check out our list of best pet insurance providers in the US.

Now, are you wondering how to select the best pet insurance in Hawaii to keep your pet protected?

Which Pet Insurance Is the Best in Hawaii?

To make sure you provide the best health and wellness care for your pets, we created a list of the top pet insurance companies in Hawaii. Some factors that we analyzed in the process include:

  • Coverage plans 
  • Coverage exclusions
  • Prices 
  • Customizability
  • Pros and cons

Our guide will give you a good idea of pet insurance in Hawaii. Reviews and ratings of companies will show you which are considered the best in the industry.

Why Is Pet Insurance Necessary?

Your pet is part of your family so it is natural that you would want to provide it the best care possible. Ideally, good pet insurance should include coverage for all common illnesses and accidents, and even some provisions for preventive and wellness care.

Enrolling your pet with one of the best pet insurance companies in Hawaii can give you the assurance that you can afford treatment for your pet and the necessary medical care in time.

Pet Insurance Cost in Hawaii

Hawaii is the third most expensive state in the U.S. In spite of that, it offers affordable pet insurance for cats and dogs. On average, a pet owner can expect to spend anywhere between $24 to $85 on pet insurance in Hawaii on a monthly basis. 

Factors that influence pricing in Hawaii include:

  • Pet age
  • Pet medical history
  • Deductibles and reimbursement percentage
  • Amount of coverage

A lot of injuries and illnesses can also result in high vet bills in Hawaii. Some common conditions that can result in high vet bills include:

  • Broken bones and fractures: $200 to $5,000
  • Heart disease: $5,000 to $20,000
  • Cataracts: $2,000 to $3,000 for each eye
  • Glaucoma: $2,000 to $3,000

Pet insurance cost in big cities of Hawaii can even be more prohibitive. Although routine checkups and wellness care may be affordable, emergency visits for life-threatening injuries and illnesses can be very costly.

In the three biggest cities of Hawaii, an affordable pet insurance policy for a 4-year old mixed breed dog will cost:

City Monthly Premium
Honolulu $33.2
Pearl City   $33.2
Mililani $33.2


Which Type of Coverage Can You Get?

Pet insurance companies typically sell 4 types of policies in Hawaii:

Accident Only Plans: These pet insurance policies offer coverage for accidental injuries only, ranging from accidental ingestion of poison to road accidents. Coverage for illness is not provided in this plan.

Accident and Illness Policies: This is the most comprehensive type of coverage. It offers reimbursements for both accidental injuries and unexpected illnesses, ranging from infections, allergies, to digestive issues and cancer. Some also offer coverage for congenital and breed-specific conditions as well as behavioral therapies.

Pet Wellness Plans: Wellness policies include coverage for routine care like pet grooming, routine dental cleaning, vaccination, parasite treatment, and routine checkups. Although not many pet insurance companies offer wellness or routine care policies, there are some that do.

Add-ons: Some pet insurance for dogs and cats in Hawaii also includes extra services like burial or cremation services, microchipping, an advertisement for lost pets, neutering, and spaying. You may also add coverage for alternative and behavioral therapies.

What Is Not Covered?

Most pet insurance companies do not offer coverage for pet preexisting conditions that were already there before you bought the pet policy. Some pet pre-existing conditions may be covered if your cat or dog has not exhibited symptoms of the condition for a certain period of time, but this is entirely dependent on the pet insurance provider.

In addition, coverage is typically not provided for pet breeding, spaying, or neutering.

Best Pet Insurance Companies In Hawaii

Healthy Paws Insurance: Shortest Reimbursement Time

Avg. monthly premiums for dogs: $32.85

Avg. monthly premiums for cats: $17.19

Coverage: 70% to 90%

Payout limit: Unlimited

Deductible: $100, $250, $500

Waiting Period: One year for hip dysplasia; 15 days for illnesses and accidents 

Healthy Paws is one of the leading pet insurance companies in Hawaii. It has competitive rates when it comes to cat and dog insurance. The company’s medical plans cover diagnostic testing, surgery, specialty care, prescription meds, and alternative care. 

One major benefit of Healthy Paws insurance is that owners get unrestricted access to any vet of their choice.

Healthy Paws admits pets as young as 8 weeks and as old as 14 years. Once you make a claim, you may be reimbursed in as little as 24 to 48 hours.

The underwriter for Healthy Paws, Chubb, has an A++ financial stability rating from AM Best. This is the highest rating of the agency and translates to exceptional stability.

Pets Best Insurance: Best for Pet Education

Avg. monthly premiums for dogs: Between $9 and $58

Avg. monthly premiums for cats: Between $6.86 and $37.85

Coverage: 70% to 90%

Payout limit: $2,500, $5,000, $10,000, unlimited

Deductible: $50 to $1,000

Waiting Period: 14 days for illnesses and 3 days for accidents; 6 months for cruciate ligament conditions

Pets Best allows Hawaiian pet owners to get highly personalized and flexible coverage that offers multiple levels of protection for unexpected illnesses, accidental injuries, hereditary conditions, specialty care, and more.

It also provides a comprehensive range of pet health information through its library of resources and online chat. Unlike most pet insurance companies, it also gives reimbursement for preventive care.

Some of its major benefits are the discounted pet insurance bundles for multiple pets and service member discounts.

GEICO Insurance: Best for Flexible Deductibles and Payout Limits

Average monthly premium for cats: As low as $5.68

Average monthly premium for dogs: As low as $11.35

Coverage: 70%, 80%, 90%

Payout limit: $5,000, $8,000, $10,000, $15,000, and $30,000

Deductible: $200, $300, $500, $750, and $1,000

Waiting Period: 14 days for illnesses and 2 days for accidents; 6 months for orthopedic conditions

GEICO offers pet insurance plans in partnership with Embrace Pet Insurance. Your pet can now enjoy full coverage including reimbursement for breed-specific conditions, diagnostic testing, cancer treatment, surgery, hospitalization, alternative therapies, ER care, vet fees, and prescription meds (optional).

You can also enjoy Embrace’s Wellness Rewards that provide your pet with reimbursement for routine care, including annual checkups, spaying, vaccination, teeth cleaning, heartworm medication, and more. There is no waiting period for Wellness Rewards and only a two-day waiting period for accidents.

PetFirst Insurance: Shortest Waiting Period for Accidents

Average monthly premium for cats: Average between $11.85 and $61.63

Average monthly premium for dogs: $17.90 and $105.42

Coverage: 65%, 70%, 80%, 90%, 100%

Payout limit:$2,500,$5,000, $10,000

Deductible: $50,$100, $250, $500

Waiting Period: 14 days for illnesses and 25 hours for accidents; 6 months for cruciate ligament and disc disease

PetFirst offers per-incident deductibles which are particularly beneficial for owners whose pet has been diagnosed with a chronic condition. It offers insurance plans with minimum pricing that is well below the national average and offers a lot of flexibility when it comes to reimbursement percentages, payout limits, and deductibles. The drawback is that it does not have an unlimited coverage option.

It also has a waiting period of just 25 hours for accidents, which is the shortest in the industry.

It boasts a financial rating of A- from AM Best. The company certainly displays a stable outlook.

Allstate Insurance: Best for Diminishing Deductible 

Average monthly premium for cats: $27.93

Average monthly premium for dogs: $44.66

Coverage: 65% to 90%

Payout limit: Annual cap at $15,000 

Deductible: $100 to $1,000

Waiting Period: 14 days for illnesses and 2 days for accidents; 6 months for orthopedic conditions

Allstate offers comprehensive and affordable pet insurance in Hawaii, with its basic policy costing a very low rate. The coverage includes diagnostic testing, prescription drugs, surgery, hospitalization, specialty care, emergency care, acupuncture services, chiropractor fees, holistic medicine, hydrotherapy, laparoscopy, and behavioral therapy, prosthetics, and mobility aid.

It accepts pets as young as 6 weeks old till up to 14 years. It has an A+ rating from BBB. 

Since Allstate offers Embrace’s pet insurance plans, it offers the best diminishing deductible in the industry for every year without a claim.  

Progressive Insurance: Best for Customizing Coverage

Average monthly premium for cats: $28 to $34

Average monthly premium for dogs: $35 to $40

Coverage: $70, $80, $90

Payout limit: $5,000 or unlimited

Deductible: $250 to $1,000

Waiting Period: 14 days for illnesses and 3 days for accidents; 6 months for cruciate ligament conditions

Progressive pet insurance is considered one of the very best in the industry as it allows pet owners highly flexible options to customize their plans. Pet owners can choose which benefits they want and pay only for those. It also has flexible deductible and coverage percentages.

Progressive insurance offers comprehensive coverage with no upper limit as well as add-ons and multi-pet discounts if you are enrolling more than one pet.

In addition, the claim time is also small at 2 to 5 days.

Figo Insurance: Best for Older Pets

Average monthly premium for cats: $28.99

Average monthly premium for dogs: $52.85

Coverage: $70, $80, $90, $100

Payout limit: $5,000, $10,000, $20,000

Deductible: $50 to $500 annually

Waiting Period: 14 days for illnesses and 3 days for accidents; 1 year for orthopedic conditions

Figo is one of the smaller pet insurance companies in Hawaii but has a lot of big benefits. The company offers coverage for all the most common and basic medical services as well as for non-routine dental care, prosthetics, and rehabilitation. 

Its major advantage is that it offers a choice of 100% reimbursement. This is also one of the very few pet insurance companies that do not have an upper age limit for pet enrollment.

It offers a wonderful online portal known as Figo’s Pet Cloud which allows pet owners to keep track of their claims and make premium payments. It also allows 24/7 virtual vet visits with no network limitations. All those benefits make Figo one of the best pet insurance companies to choose from in Hawaii.

Pros & Cons

The Pros

The Cons

Final Verdict


Are multiple pet discounts available in Hawaii?

Some of the pet insurance in Hawaii listed above offer multiple pet discounts if you enroll in more than one pet. Discounts typically range from 5% to 10%.

Is there pet insurance in Hawaii that covers pet pre-existing conditions?

No, most pet insurance companies do not offer coverage for pre-existing conditions. Some have a provision that if a condition has not exhibited symptoms 6 months or one year before the policy was bought, that condition may be covered. 

In addition, some pet pre-existing conditions may be covered after a long waiting period.