With endless beaches, miles of mountains, and perfect temps, Hawaii is a paradise not just for humans, but also their four-legged friends.
If you’re a pet owner in the Aloha State, there’s plenty for you and your pets to explore, but with all those adventures come some risks.
Pet owners often struggle under the weight of medical bills when their beloved pets are injured or become ill suddenly.
Whether you simply want to guarantee your pet gets the critical care they need in an emergency situation or you’re looking for more comprehensive protection, pet insurance is a must.
Pet insurance offers flexible coverage for your dogs and cats at a low monthly rate.
We’ve taken the guesswork out of picking a company, researching several options to present you with the best pet insurers in Hawaii.
Best Pet Insurance in Hawaii
The companies listed below are our top picks for pet insurance in Hawaii.
Here’s a glimpse into what each one has to offer to policyholders and their pets.
There’s a lot to love about Healthy Paws, from their affordability to their coverage options and customer service.
Healthy Paws has one simple plan that encompasses accidents and illnesses, including hereditary and congenital conditions.
For instance, if your pet is six years old or younger, you can get coverage for hip dysplasia, following a one-year waiting period.
While the company’s accident and illness coverage is expansive, it does not include routine care, which some competitors do.
With Healthy Paws, you can opt to be reimbursed for 70 to 90% of your medical bills.
Standing out from several providers, Healthy Paws’ coverage is limitless. That means there are no policy caps per incident, annually, or over the entirety of your pet’s lifetime.
You’ll also benefit from a quick and effortless claims process on the Healthy Paws app.
Learn More: Read our full Healthy Paws Review
PetFirst is another exceptional option for pet insurance in Hawaii, for dogs and cats of every age.
The provider is known for its extraordinary customer service and high claims satisfaction.
Backed by an “A+” from the Better Business Bureau, PetFirst has a straightforward and efficient claims process.
PetFirst’s primary pet plan covers conditions such as hip dysplasia without enforcing any waiting periods.
It’s also a wonderful choice for older pets as the company does not impose age restrictions as many companies do.
PetFirst’s policy benefits max out at $10k a year, and deductibles can be set as low as $50.
Deductibles are also flexible, allowing you to build a truly customized plan for your cat or dog.
And thanks to PetFirst’s claim-free discount, you can get lower premiums if you go a year without having to file a claim.
Learn More: Read our full PetFirst Review
If you’re looking for a comprehensive plan with low rates, Petplan is well worth your consideration.
Petplan’s policies are extremely well-priced, providing quality coverage at affordable premiums.
You can purchase a plan for your puppy or kitten at as young as six weeks old.
With Petplan, you get accidental injury and illness protection that factors in veterinary exam fees, with several types of treatments and operations left out of other carriers’ plans.
You can get up to 90% reimbursement of medical expenses and choose how much you want to pay in deductibles.
Policy limits depend on the amount and type of coverage you buy. For instance, some policies max out at $2500 a year, while others have no caps.
Like the other carriers listed here, Petplan has an easy claim-filing process in its customer app.
Learn More: Read our full Petplan Review
If you’re looking for yet another affordable option, this is certainly one to Embrace.
With its basic accident and illness plan, your pet can get coverage for conditions like:
- Hip dysplasia
- Other chronic and hereditary issues
Just note that coverage for these conditions does come with a waiting period.
Along with its accident and illness plan, Embrace has wellness coverage, which you can add to your basic policy to provide truly comprehensive protection for your pet.
Embrace offers up to 90% reimbursement, and your policy has a vanishing deductible, which decreases the deductible each year you’re claim-free.
Embrace’s claims process is a convenient one, with several filing options so you can choose between filing digitally or by mail.
Once a claim is approved, you can get reimbursed by direct deposit.
Learn More: Read our full Embrace Pet Insurance Review
Figo is another top-notch pet insurance company for Hawaii residents, letting you choose between its Essential, Preferred, and Ultimate plans.
With three levels of coverage, you can customize your policy to suit your pet’s needs and your budget.
Figo’s Essential policy is its standard accident and illness plan. When you level up to the Preferred and Ultimate plans, you get larger amounts of coverage and more benefits.
Figo’s policies come with varying reimbursement and deductible levels, and you’ll get limitless annual benefits with the Ultimate plan.
You also get to take advantage of Pet Cloud, which helps you connect with other pet owners, store your pet’s vet records, keep track of their appointments, and more.
You even gain access to a live veterinarian in the app, 24/7.
Figo is an easy choice if you’re looking for a tech-savvy provider that offers a little something extra with its pet insurance plans.
Learn More: Read our full Figo Review
What Does Pet Insurance in Hawaii Cover?
Pet insurance can cover a wide range of medical conditions and treatments.
While some of the pet insurance plans referenced above offer more coverage than others, most basic accident and injury policies cover the same conditions.
Your standard pet insurance plan should cover the expenses below:
- Accidental illness or injury
- Blood tests
- Cancer care
- Chronic and congenital illness
- Diagnostic scans
- Emergency care
- Exam fees
- Hospital treatment
- Prescriptions for covered conditions
- Procedures for covered conditions
While the conditions above are likely to be included in your policy, the ones below aren’t usually covered under an accident and illness plan:
- Behavioral therapy
- Boarding or grooming
- Dental care
- Elective surgery
- Pre-existing conditions
- Wellness care
- Spaying or neutering
Does Pet Insurance Cover Exotic Pets?
While many exotic pets are banned in Hawaii, some are allowed, such as parakeets, guinea pigs, and chinchillas.
If you own a legal exotic pet in Hawaii, your pet insurance options are fewer and farther between than they would be for a dog or a cat.
However, you can purchase an exotic pet plan from Nationwide.
How Does Pet Insurance Hawaii Work?
Pet insurance is fairly simple to understand, with a few basic components.
Here are the main parts of a pet insurance plan you should be familiar with:
- Deductibles: The deductible is what you pay before your policy’s benefits take effect. Paying higher deductibles can get you lower rates.
- Premiums: Premiums are the payments you make each month for your pet’s insurance plan. Your rates are decided by risk factors like your pet’s age and breed.
- Reimbursement: Nearly all pet providers reimburse you after you get your vet bill. You can usually choose to be reimbursed between 70% and 90%. However, some more expensive plans may reimburse you for 100% of covered expenses.
- Waiting period: The amount of time between the purchase of your policy and the date your coverage takes effect, a waiting period can range anywhere from a day to a year. Accident coverage is usually activated in 2 weeks or less, with coverage for hereditary conditions taking 6 to 12 months.
Pet Insurance Hawaii Prices
What you pay for pet insurance in Hawaii will depend on several factors, with location being chief among them.
Statistically, Hawaii is one of the most expensive states for pet insurance; however, most pet owners will only end up paying between $25 and $50 a month, on average.
You may be able to get a basic accident policy for closer to $10.
Here are some of the specific factors that will influence the cost of your pet’s plan:
- Location: Your rates are determined not just by the state you reside in, but potentially the county. Larger cities are usually the most expensive locales for pet insurance.
- Type of pet: Pet insurance rates differ between dogs and cats, with cats being cheaper to insure, but also between different breeds. Some breeds are more prone to health conditions that are costly to treat, so they warrant higher premiums.
- Age: The older your pet gets, the more health problems they’re likely to have. Pet insurance premiums are adjusted accordingly.
- Coverage amounts: When you add wellness coverage to your policy or opt for unlimited policy benefits, you’ll be faced with higher rates.
- Policy structure: Your deductible and reimbursement amounts also dictate how much you pay for a pet insurance policy.
Shopping for Pet Insurance in Hawaii
There’s no reason to put off comparing pet insurance companies for your dog or cat.
If you live in Hawaii, you have access to several fantastic pet insurance companies, with each one bringing something unique to the table.
Whether your budget for pet insurance is a big one or you’re looking to secure the most basic, affordable level of coverage you can, the providers above could have just what you’re looking for.
Once you’ve picked a company, getting quotes and buying a policy online couldn’t be easier.
In a matter of minutes, your furriest family members could have the protection they need to live the island life to the fullest.