Best Pet Insurance In Hawaii: Which Company Offers The Ultimate Coverage & Price In The Aloha State?

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Known for its breathtaking beaches, surfing, and volcanos (among many other things), Hawaii is a stunning state to explore with your dog. But that doesn’t make your pup immune to accidents and illnesses.

Purchasing a pet insurance policy for your dog can provide peace of mind when disaster strikes. Learn more about your fellow Hawaiian’s love of dogs and find the best pet insurance company for you.

Pet Insurance RankingBest OverallBest ValueFastest Claim ProcessingBest Multiple Pet DiscountBest Newcomer
CompanyPets BestFigoHealthy PawsEmbraceLemonade
Policy CoverageExtensiveExtensiveMore LimitedExtensiveMore Limited
Customer Service & ReputationGoodExcellent, StableExcellent, StableExcellent, StableUncertain, New
Claim Processing (avg)10-30 Days3 Days2 Days5 Days2 Days
Vet Direct Pay Option
Policy Price (avg)LowerLowerVariableHigherLower
Plan CustomizationsMany OptionsMany OptionsRestricted OptionsMany OptionsMany Options
 Read ReviewRead ReviewRead ReviewRead ReviewRead Review
French Bulldog

A dog’s breed is one of the determining factors for your pet insurance policy cost. Below is a ranking of the three most popular dog breeds in Hawaii.

  1. French Bulldog
  2. Labrador Retriever
  3. Rottweiler

How Much Does Pet Insurance Cost In Hawaii?

Cartoon of veterinarian petting dog next to piggy bank (Caption: Start Saving Money On Vet Bills, Compare Pet Insurance Rates In Minutes; Button Text: Get My Quotes)

Pet insurance pricing is based on your pet’s details (e.g., age, breed, location, etc.). According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. in 2021 was $48.66 ($28.57 for cats).

Since prices vary based on where you live as well as your pet’s characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form and get estimates from top pet insurance providers. This allows you to see how companies compare price-wise. With most companies, you can also adjust your monthly premium by lowering the deductible, reimbursement percentage, and annual payout to make it better fit your budget.

Once you have your customized price quotes, you may wonder how coverage varies among the different companies. Our pet insurance comparison includes multiple comparison charts to help you see key differences between coverage, waiting periods, age limitations, and more.

Which Cities In Hawaii Are Pet-Friendly?

Young blonde woman in black dress with red hibiscus flower with husky dog at sunny weather (Caption: Pet Insurance Hawaii)

Honolulu is the only Hawaiian city among the 100 largest U.S. cities that ranks for pet-friendliness.

Honolulu, HI, ranks as follows in terms of pet-friendliness:

  • 84th for Pet Budget*
  • 99th for Pet Health & Wellness**
  • 28th for Outdoor Pet-Friendliness***
  • 99th for Overall Pet-Friendliness
  • 87th for Highest Veterinary-Care Costs

*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit, and dog insurance premiums.

**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, share of pet-friendly hotels, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita, and strength of animal protection laws.

***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, parkland as a share of the city area, walk score, dog-friendly trails per capita, and dog shows per capita. 

Pet Insurance Claim: Cost And Reimbursement From Hawaii Customer

Below is a real-life pet insurance claim from a Healthy Paws customer in Hawaii.

  • Location: Kailua, HI
  • Condition: TPLO (Tibial Plateau Leveling Osteotomy)
  • Total Vet Cost: $5,200
  • 90% Reimbursement: $4,600
  • Amount Customer Paid: $600

Should I Get Pet Insurance?

Pet insurance can provide you with a sense of security during dark times. One minute, you’re swimming in the ocean with your dog, and the next, she’s coming out of the water limping. Your dog’s health status can change quickly, which means the balance in your bank account is susceptible to change as well, as you deal with a pet emergency. Learn more about why pet insurance is worth considering.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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