The Best Pet Insurance Companies in Hawaii (2024)

Here are our top choices for pet insurance providers in Hawaii:

• Spot: Most Customizable Coverage
• Embrace: Our Pick for Savings
• Fetch: Our Pick for Comprehensive Coverage
• Healthy Paws: Most Affordable Unlimited Coverage
• Figo: Most Flexible Reimbursement Rates

After considering many factors, including cost, coverage and customer reviews, we determined the best pet insurance company in Hawaii is Spot Pet Insurance.

Comparing the top pet insurance plans in Hawaii can help you decide which option is right for your pet. No one plan is best for everyone, and it is important to carefully weigh the pros and cons of each provider based on your pet’s needs and your financial situation. Use the chart below for a quick look at each of our top provider’s main plans and features:

The cost of pet insurance will vary greatly depending on your pet’s age, breed and location. The more expensive veterinary care is in your community and the older your pet, the higher your monthly premiums. Based on our research, the average cost for pet insurance in Hawaii is $71 for dogs and $34 for cats. We collected quotes for hypothetical Aloha State pets, including a 5-year-old medium, mixed-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat across 10 of the top providers in the state.

The table below outlines the average monthly costs from our sample quotes:

According to our data, the cheapest pet insurance in Hawaii is ManyPets, a UK-based company that recently entered the U.S. market. Although initial customer reviews for ManyPets are generally positive, we recommend that pet owners carefully consider all options before choosing a plan based solely on price. You may find that features available through a more expensive plan are worth the extra cost based on your pet’s needs.

You can read more about ManyPets in our review.

Shopping for pet insurance takes time and research, but you can streamline the process by learning how coverage works and which features are most important for your current situation. Are you willing to pay higher premiums for lower out-of-pocket expenses, or would you prefer a low monthly rate and only pay additional fees if your pet gets sick? Some other factors to consider when choosing a plan include:

• Coverage and plan types: Accident and illness plans are the most common and provide the most coverage. Accident-only plans are good low-cost options but only cover accidents and emergency injuries, not illnesses or long-term conditions. Wellness coverage is optional to cover routine care items, such as vaccines, spay or neuter surgery, or dental cleanings.
• Policy customization: More customization options provide pet parents with a means to reduce their premium costs by adjusting other features, such as the deductible or annual limit. Some plans have only a few options, while others have a variety of combinations. For example, selecting a higher deductible can lower your monthly premium and vice versa.
• Fine print: It is normal for insurance companies to have coverage exclusions and limitations. Aside from a universal pre-existing condition exclusion, conditions may vary from plan to plan. Ensure you read the fine print on a sample policy before you sign up.
• Customer satisfaction: Real customer reviews from sites like Trustpilot and the Better Business Bureau (BBB) can give you insights into a company’s customer service responsiveness and claims handling.

Some popular pet insurance plans may not be available in all states. This is because insurance laws vary from state to state, restricting which plans can operate where. We recommend that military pet owners stationed in Hawaii carefully research plans and choose a provider that operates in all 50 states in case of future relocation.

Pet laws in Hawaii are designed to protect people, pets, wildlife and the native ecosystem. Hawaii is rabies-free and has many pet laws centered around keeping that status. The state does not require local pets to have a rabies vaccination, but those entering the state must have multiple vaccinations and go through a complex quarantine process.

Individual islands may have additional laws and regulations about pets. Here are a few highlights:

Hawaii County Pet Laws

• Dogs must be licensed with the county for a nominal fee.
• Dogs must be leashed in public places and are not allowed on county beaches.
• Hoarding is defined as owning more than 15 dogs or cats whom the owner cannot properly care for.

Maui County Pet Laws

• Dogs over 4 months must be licensed with the county.
• Breed is not relevant to a dangerous dog designation, which imparts strict regulations on the pet’s owner.
• Owners of stray animals that are adopted out by animal control can still reclaim their pet within 30 days of the adoption, provided they pay all the necessary fees.

Honolulu Pet Laws

• To reclaim a non-microchipped or non-licensed dog from impoundment, the owner must pay for the services plus impoundment fees. Licensed pets are given more time in the shelter than non-licensed pets for their owner to reclaim the animal.
• Low-cost spay and neuter services are available for $20 to $150 per pet, depending on species, sex and the owner’s financial need.
• All cats in the city must be microchipped.

Learning the definitions of common pet insurance terms can help you better understand and compare policies.

• A waiting period is the time after a policy begins during which the plan will not cover any claims. For example, some providers have a two-day waiting period before you can submit an accident-related claim.
• A deductible is the amount you must pay before the plan will contribute. Most deductibles renew annually.
• Premiums are the amount you pay monthly or annually to purchase your plan. Monthly premiums are higher when you choose lower deductibles and higher reimbursement rates, and vice-versa.
• A reimbursement rate is the percentage of vet bills your insurance plan will pay, typically offered in increments of 70%, 80% or 90%. You are responsible for the remaining amount.
• The coverage limit is the maximum amount the plan will pay in a single term. Most plans have annual limits that renew each year, but some may impose lifetime or per-condition caps.

The cost of living in Hawaii is among the highest in the nation — and inflated costs can also apply to veterinary care. Pet insurance is worth the investment because it can save you significant amounts of money if your pet gets sick, has an accident or develops a chronic disease. Despite Hawaii’s high cost of living, pet insurance rates remain competitive and affordable.

We recommend that all Aloha State pet owners consider pet insurance for their furry friend. Through our research, we determined the best pet insurance provider in the state is Spot, closely followed by Embrace, Fetch, Healthy Paws and Figo. To determine which is best for your situation, we recommend obtaining multiple quotes to compare options.

We based our pet insurance ratings on meticulous research into multiple providers in Hawaii, including data on cost, customer care, features and reputation. Companies that rated highest on our list scored well in each of these categories and offer coverage that matches the needs of Hawaiian pet owners, as determined by consumer surveys and common pet health conditions in the state.

We calculated costs using each company’s online quote tool to estimate and average premiums across four sample pets, including a 5-year-old medium, mixed-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat. To learn more about our cost collection and ranking techniques, check out our full pet insurance methodology and editorial guidelines.

• Average Pet Insurance Cost by State
• Banfield Cost Estimator
• Hawaii Animal Quarantine
• Hawaii County Responsible Pet Ownership
• Maui County Animal Code
• Honolulu Animal Code