Get the Best Pet Insurance in Hawaii in 2025

Sponsored by Figo Pet Insurance

If you’re a pet parent in Hawaii, choosing the right pet health insurance can feel like a big task. With so many plans, prices, and coverage options, it’s important to focus on what matters most for your pet’s health and your peace of mind.

This guide is here to simplify things. We’ll explain how pet insurance works, compare top providers, and break down typical costs. We’ll also touch on key protections and regulations that pet owners in the Aloha State should know. By the end, you’ll have everything you need to pick the perfect plan to keep your furry companion happy and healthy.

Summary: Best Hawaii Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 1/30/2025 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Hawaii?

According to our research, Hawaii pet insurance costs an average of $40 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $65 a month*.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Hawaii cities: Honolulu, a major urban center, and Waipahu, an average-sized city for the state.

It's important to note that your own Hawaii pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

In addition, various other factors can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare Hawaii pet insurance plans carefully and choose a policy that suits your budget and your pet's specific needs.

Cost of Pet Insurance for Dogs in Hawaii

Per our research, the average cost of pet insurance for a three-year-old, medium-sized, mixed-breed dog in Hawaii is $40 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with an annual deductible of $250 and an 80% reimbursement rate, costs $65 monthly.

Cost of Pet Insurance in Hawaii by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Hawaii:

Cost of Pet Insurance for Cats in Hawaii

Pet insurance for cats is significantly cheaper than it is for dogs in Hawaii. The average monthly cost for cat insurance in Hawaii ranges from $19 to $39, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Hawaii by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Hawaii pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Hawaii

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates determine the percentage of a vet bill that will be paid back to you after you've met your deductible. Reimbursement levels offered by pet insurance companies usually range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher premiums, so you'll need to find the right balance that works for your budget and pet’s needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from days to months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods, because no claims can be made for an accident or illness that occurs during a waiting period.

How to Find the Best Pet Insurance in Hawaii

Hawaii’s tropical climate and unique environment create distinct risks for pets, making pet insurance a smart choice. From parasites to natural disasters, understanding these challenges is key to keeping your pet healthy and safe.

Fleas and ticks thrive year-round in Hawaii’s warm climate, causing skin irritations and transmitting diseases. Regular parasite prevention is essential to protect your pet. Additionally, encounters with wildlife like feral pigs or mongoose can lead to injuries or exposure to diseases, so keeping pets supervised is important.

Heat-related illnesses are another common concern in Hawaii. The warm temperatures can put pets at risk of dehydration and heatstroke, especially during outdoor activities. Providing shade, fresh water, and limiting activity during peak heat helps reduce these risks.

Natural disasters, including hurricanes and volcanic activity, add another layer of risk. Having an emergency preparedness plan that includes your pets is essential to keep them safe during these types of events.

Choosing pet insurance with comprehensive coverage protects your furry friend from Hawaii's unique risks, offering you peace of mind year-round.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Aloha State:

• 24/7 vet helpline. Access to a round-the-clock veterinary helpline for advice on emergency care or general health questions can be incredibly valuable. This is especially important in a state like Hawaii where weather and natural disasters pose potential risks.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Having coverage for exam fees may result in considerable savings over time.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Hawaii Pet Laws

Hawaii, known for its stunning beaches and aloha spirit, has pet laws in place to promote animal welfare, public safety, and responsible pet ownership. Here are some key regulations every Hawaii pet parent should know:

• Animal cruelty. It is a misdemeanor to intentionally, knowingly, or recklessly harm an animal. This includes acts like overloading, starving, poisoning, or mutilating any animal, as well as depriving pets of necessary sustenance or engaging in animal fighting. Enhanced penalties apply for cruelty to guide or service animals or interfering with their duties.
• Dog bites. Owners are strictly liable for damages caused by their animals, even if unaware of the animal's dangerous tendencies. If a dog bites a human on two or more occasions, anyone may take legal action against the owner. Counties can enforce additional regulations for dogs with a history of biting or injuring people.
• Licensing and impoundment. All dogs in Hawaii must be licensed, and unlicensed or loose dogs may be seized by authorities. Any seized animal will be held in a pound for 48 hours, during which the owner can reclaim it. If unclaimed, the animal may be sold or humanely euthanized.
• Facility dogs. Courts may allow facility dogs to assist vulnerable witnesses during testimony if deemed necessary. The dog must be credentialed, insured, and have an established relationship with the witness to be used in judicial proceedings.
• Pet trusts. Hawaii law allows pet owners to establish trusts for the care of their animals. These trusts remain valid until all covered animals have passed away and are interpreted to ensure the owner's intent is fulfilled.

Honolulu Pet Laws

Honolulu, home to iconic landmarks like Diamond Head and Waikiki Beach, implements pet laws that prioritize the wellbeing of animals while ensuring a safe and harmonious community. Here are some important regulations for pet owners in the city:

• Animal nuisances. It is unlawful for an animal to create a nuisance by making noise continuously for 10 minutes or intermittently for 30 minutes. This includes barking, crowing, or other noises that disturb activities like communication, work, rest, or sleep. Exceptions are made if the animal is responding to provocation or a trespasser.
• Stray dogs. Dog owners must not allow their pets to become strays. A stray is any dog on another person’s property without consent or in public without a leash. Stray dogs are impounded for at least 48 hours, 5 days, or 9 days depending on whether they have a microchip, license tag, or both. Owners must pay impoundment or microchipping fees to reclaim their dogs. Unsterilized dogs impounded as strays three times in a year must be spayed or neutered before being returned.
• Cat identification and sterilization. Cats over four months old must have identification, either through a collar with owner information or an implanted microchip. Cats older than six months cannot roam at large unless sterilized. Owners are responsible for registering their cat’s microchip and keeping their contact information current.
• Microchipping. All cats and dogs in Honolulu must be microchipped, and the microchip also serves as the dog’s license. Owners are required to update their contact details with the microchip registration company if their information changes.

Common Pet Risks in Hawaii

Hawaii’s tropical climate and unique geography offer pets plenty of opportunities for adventure but also bring specific risks that pet parents need to be aware of. Here are some common challenges for pets in the Aloha State:

• Heat-related illnesses. Hawaii’s warm temperatures can put pets at risk for dehydration and heatstroke, especially during outdoor activities. Pets with thick coats or flat faces are particularly vulnerable. Make sure pets always have fresh water and shade, and avoid intense activities during the hottest parts of the day.
• Fleas and ticks. Hawaii’s year-round warm weather creates the perfect environment for fleas and ticks. These parasites can cause skin irritations and transmit diseases, such as tick fever. Regular flea and tick prevention is essential to protect your pet from these pests.
• Toxic plans. Hawaii is home to several plants that are toxic to pets, including poinsettia, plumeria, and oleander. Ingesting these plants can lead to symptoms like vomiting, diarrhea, or more serious issues. Be mindful of the plants in your yard or areas your pet explores.
• Wildlife encounters. While Hawaii lacks predators like bears or coyotes, wildlife such as feral pigs, mongoose, and stray cats can still pose risks to pets. These encounters can result in injuries or spread diseases, so supervision during outdoor activities is vital.
• Leptospirosis. Hawaii’s abundant rainfall and standing water make leptospirosis a concern for pets. This bacterial infection is often found in puddles, streams, or wet soil and can be dangerous if untreated. Keeping pets away from standing water and ensuring they're vaccinated can help reduce the risk.
• Natural disasters. Hawaii is prone to natural hazards like hurricanes, earthquakes, flooding, and volcanic activity, all of which can impact pets. Having an emergency plan that includes your pets, along with supplies like food, water, and carriers, is essential during disaster situations.
• Ocean hazards. Hawaii’s beaches are a favorite spot for pets, but strong currents, sharp coral, and jellyfish can pose dangers. Always supervise your pets near the water and rinse off salt or sand after a swim to prevent irritation.

Best Pet Insurance by City in Hawaii

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Hawaii:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Hawaii. However, we recommend conducting your own research, speaking to a licensed veterinarian, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Hawaii FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens