In Hawaii, pet insurance costs $353 annually for cats and $647 for dogs, making them 2% and 1% more expensive compared to the national average, respectively. Your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Hawaii?
Updated: July 27, 2025
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Key Takeaways
In Hawaii, dog insurance averages $54 per month ($647 per year), while cat insurance averages $29 per month ($353 per year).
Compared to the national average, pet insurance costs in Hawaii are 1% higher for dogs and 2% higher for cats.
Get the best cheap pet insurance in Hawaii by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in Hawaii?
| Cat | $29 | $353 |
| Dog | $54 | $647 |
*These accident-only coverage rates (which cover injuries but not illnesses) apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (7-year-old cat) and a Labrador Retriever (6-year-old dog). While we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
What Factors Affect Pet Insurance Costs in Hawaii?
Below are the key factors affecting pet insurance costs in Hawaii and how influential they are. Click each factor to see pricing details.
Coverage level
The coverage level you select has the biggest impact on pet insurance pricing in Hawaii. Annual costs range from $235 to $5,843 based on our analysis of different coverage options, including varying deductibles, reimbursement levels and annual limits.
Pet type and breed
Your pet's species and breed significantly influence insurance costs, with dogs typically having higher premiums due to more frequent health issues and accident claims. In Hawaii, annual premiums range from $598 to $2,846 depending on your pet's breed and associated health risks.
Pet age
Insurance costs increase as pets age since they become more susceptible to health issues and injuries. In Hawaii, annual premiums start at $229 for young pets and can reach $2,255 for senior pets, assuming all other factors remain constant.
Location
Your location affects premiums through factors like local veterinary costs and regional health risks. Hawaii pet insurance rates are $8 higher than the national average for dogs and $6 higher for cats per year. Our research shows minimal variation in rates across different Hawaiian cities.
Your vet
The veterinary clinic you choose influences your insurance costs since different practices charge varying rates for services. These differences in treatment costs directly impact claim amounts and ultimately affect your premium rates.
Average Hawaii Pet Insurance Costs by Coverage
Your choice of coverage has the biggest influence on pet insurance costs in Hawaii, with monthly premiums ranging from $19 to $486 depending on your selected benefits and type of pet.
The table below shows comprehensive accident and illness coverage rates:
Data filtered by:Results filtered by:
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $46 | $557 | 2% |
| Dog | $91 | $1,095 | 1% |
Average Hawaii Pet Insurance Cost by Breed
Your pet's type and breed significantly impact insurance rates, with monthly costs varying dramatically based on these factors. Based on national data, pet insurance rates range from $50 to $237 per month across different breeds and species.
Average Pet Dog Insurance Costs in Hawaii
In Hawaii, your dog's breed is a key factor in pet insurance pricing, with monthly rates varying from $50 to $237 per month. Check the table below to find specific insurance rates for your four-legged friend's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $102 | $1,225 |
*These rates represent policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Pet Cat Insurance Costs in Hawaii
Monthly cat insurance rates in Hawaii range from $56 to $76, with your specific cost depending on your cat's breed, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $76 | $913 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Hawaii Pet Insurance Cost by Age
Pet age is one of the top three factors affecting insurance costs in Hawaii, with annual premiums ranging from $229 to $2,255 since older pets typically require more medical care. See the detailed age-based pricing breakdown in the table below.
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Pet Type:Cat
| Under 1 | $19 | $229 |
| 1 | $21 | $250 |
| 2 | $22 | $268 |
| 3 | $24 | $292 |
| 4 | $27 | $319 |
| 5 | $29 | $347 |
| 6 | $31 | $376 |
| 7 | $43 | $516 |
| 8 | $37 | $443 |
| 9 | $41 | $487 |
| 10 | $45 | $542 |
| 11 | $51 | $607 |
| 12 | $57 | $683 |
| 13 | $61 | $734 |
| 14 | $68 | $817 |
| 15 | $75 | $902 |
| 16 | $83 | $996 |
| 17 | $85 | $1,015 |
| 18 | $93 | $1,120 |
| 19 | $102 | $1,220 |
| 20 | $110 | $1,319 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
Average Hawaii Pet Insurance Cost by City
Your city barely affects pet insurance rates in Hawaii: just a few dollars difference per year. Below are costs for some of Hawaii's biggest cities.
Data filtered by:Results filtered by:
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Pet Type:Cat
| Honolulu | $29 | $352 |
| Kihei | $29 | $354 |
| Lihue | $29 | $353 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in Hawaii
Our simple step-by-step guide shows you how to find the best pet insurance at the lowest price for your furry family member.
- 1
Assess Your Coverage Needs
Before buying pet insurance, you have to determine how much coverage you need that works for both your pet and budget. Consider your financial limits, typical health issues for your pet's breed, and local veterinary costs to make an informed decision.
- 2
Research Costs and Discounts
Take time to understand average pet insurance costs for your specific pet type and desired coverage level. While pet insurance offers fewer discounts than other insurance types, look for multi-pet policies and bundling options that could save you money on premiums.
- 3
Evaluate Provider Reputations
Read customer reviews and experiences on trusted forums to understand real-world experiences with different providers. Pay special attention to coverage details, waiting periods, and claims processes to ensure you choose a reliable insurer.
- 4
Compare Multiple Quotes
Gather and compare quotes from at least three different pet insurance providers to find the best value. While most companies offer instant online quotes for cats and dogs, exotic pet owners should prepare to contact providers directly for specialized coverage options.
- 5
Review Policy Details
Carefully examine the fine print of potential policies, including coverage limits, deductibles, and exclusions. Pay special attention to pre-existing condition clauses and annual coverage caps to avoid surprises when filing claims.
Average Pet Insurance Cost in Hawaii: Bottom Line
Pet insurance in Hawaii costs slightly more than the national average. Expect to pay around $29 monthly for cats and $54 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? First, determine what coverage you actually need, then shop around. Get quotes from several insurers before you commit.
Pet Insurance Cost in Hawaii: FAQ
We address the most common questions about pet insurance costs in Hawaii to help you understand pricing and coverage options.
How much does pet insurance cost in Hawaii?
In Hawaii, pet insurance costs an average of $54 per month for dogs, but depending on age, pricing ranges from $33 to $188 monthly. Insuring cats in the state costs around $29 monthly, but monthly pricing varies from $19 to $110 by age.
Is Hawaii pet insurance expensive?
Hawaii is relatively expensive for pet insurance coverage for dogs and cats, ranking 20th among all U.S. states in average cost.
How should I go about buying pet insurance in Hawaii?
To buy pet insurance in Hawaii, decide on your coverage needs beforehand, research costs and discounts, look into company reputations and coverage details, and compare multiple quotes.
How We Determined Average Pet Insurance Costs in Hawaii
All costs in this article are based on or modified from the following profile:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- For dogs: Labrador Retriever (6 years old)
- For cats: Ragdoll (7 years old)
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.