Best Pet Insurance in Hawaii


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Key Takeaways

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Lemonade offers the best pet insurance in Hawaii, with monthly rates starting at $9. It combines competitive pricing with excellent customer service.

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In Hawaii, Lemonade provides the cheapest pet insurance for dogs at $52 per month, while Pumpkin has the lowest premiums for cats at $22.

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Compare multiple insurance providers to find coverage that matches your pet's needs and your budget while offering reliable protection.

Best Pet Insurance Companies in Hawaii

Lemonade is the best pet insurance company in Hawaii for cats and dogs, offering strong coverage options and reliable service. AKC, Pumpkin, Rainwalk and Spot are excellent alternatives in the state.

Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
Lemonade4.50$52
AKC4.30$66
Rainwalk4.15$67
Pets Best4.05$63
ASPCA3.75$61
Figo3.75$63
Company Image

Lemonade

Best Overall

MoneyGeek Rating
90/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
  • Average Monthly Rate for Dogs

    $52
  • Average Monthly Rate for Cats

    $25
  • Overall Reddit Sentiment

    72% positive
  • Maximum Annual Limit

    $100,000

Best Pet Insurance by Dog Breed

Overall, AKC dominates the best pet insurance rankings for most dog breeds in Hawaii, while Lemonade and Rainwalk are top picks for select breeds. Below, you can review which companies are best for your dog in the state.

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Breed:Affenpinscher
Rainwalk4.35$45
Pets Best4.35$28
AKC4.3$56
Lemonade4.25$32
Spot3.95$51

Best Pet Insurance by Cat Breed

Our research shows AKC dominates the best pet insurance rankings for most cat breeds in Hawaii, while Rainwalk stands out as a strong alternative provider. Below, you can review which companies are best for your cat in the state.

Data filtered by:Results filtered by:
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Breed:Abyssinian
Rainwalk4.5$33
AKC4.5$42
Lemonade4.35$25
Pets Best4.3$33
Spot4.2$32

Cheapest Pet Insurance in Hawaii

In Hawaii, Lemonade offers the cheapest dog insurance at $52 per month or $626 per year. For cats, Pumpkin provides the most affordable coverage at $22 monthly or $261 annually.

Data filtered by:Results filtered by:
Select
Dog or Cat:Dog
Select
Pet Age Group:Middle Aged
Select
Annual Limit:$5,000
Select
Reimbursement %:80%
Select
Deductible:$500
Lemonade$52$626-29%
ASPCA$61$738-17%
Pets Best$63$762-14%
Figo$63$767-13%
Pumpkin$63$762-14%
AKC$66$785-11%
Rainwalk$67$805-9%
Met Life$71$848-4%
Hartville$72$861-3%
Spot$72$865-2%
Liberty Mutual$79$9457%
Embrace$93$1,12127%
Fetch$106$1,27644%
Nationwide$107$1,28145%

Cheapest Hawaii Pet Insurance by Dog Breed

In Hawaii, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across multiple breeds, with plans starting at $17 monthly.

Data filtered by:Results filtered by:
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Breed:Affenpinscher
Pets Best$28$340-50%
Lemonade$32$383-43%
Pumpkin$38$453-33%
ASPCA$43$521-23%
Figo$45$538-21%

Cheapest Hawaii Pet Insurance by Cat Breed

In Hawaii, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable cat insurance across breeds. Rates start at $15 per month for standard coverage.

Data filtered by:Results filtered by:
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Breed:Abyssinian
Lemonade$25$306-55%
Figo$31$372-45%
Spot$32$391-42%
Pets Best$33$395-42%
Rainwalk$33$399-41%

How Much Is Pet Insurance in Hawaii?

Hawaii pet insurance costs around $91 monthly for dogs and $46 for cats. These rates run slightly higher than the national average, with dog insurance costing 1% more and cat coverage running 2% above typical U.S. rates.

Data filtered by:Results filtered by:
Select
Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
Cat$46$5572%
Dog$91$1,0951%

How to Get the Best Cheap Pet Insurance in Hawaii

Finding the best cheap provider and coverage plan in Hawaii can be difficult. Here's how to find the best pet insurance for your needs:

  1. 1

    Evaluate Your Pet's Coverage Needs First

    List your pet's health needs and risks based on breed and age to avoid paying unnecessary coverage while ensuring health concerns are covered.

  2. 2

    Look for Available Insurance Discounts

    Check if you qualify for savings through a multi-pet plan or annual payment discounts. Many insurers offer reduced rates for pets adopted from shelters or military family discounts.

  3. 3

    Research Insurance Provider Reputations

    Check customer reviews and complaint records for pet insurance providers available in Hawaii. Focus on companies with strong track records of paying claims and providing good customer service.

  4. 4

    Get Multiple Insurance Quotes

    Request quotes from at least three pet insurance providers using the same coverage details. This ensures you're making accurate comparisons and finding the best rates.

  5. 5

    Review Your Policy Annually

    Set a yearly reminder to compare new quotes as pet insurance rates often increase with your pet's age. Switching providers could save you money while maintaining similar coverage.

Best Pet Insurance in Hawaii: Bottom Line

Lemonade is our top pick for pet insurance in Hawaii, while Pumpkin offers some of the most affordable coverage options. Lemonade leads for cat and dog insurance, with Pumpkin providing cost-effective alternatives for cat owners. While these providers rank highest in our research, the right choice depends on your pet's needs and budget. Compare different plans before making your decision.

Pet Insurance in Hawaii: FAQ

Here are answers to frequently asked questions about Hawaii pet insurance:

What are the best pet insurance companies in Hawaii?

Which company has the cheapest pet insurance in Hawaii?

How much is pet insurance in Hawaii?

What is the best way to find the right pet insurance provider?

How We Found the Best and Cheapest Pet Insurance in Hawaii

We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Hawaii residents. Here's the standard profile we used for our comparisons:

  • $5,000 annual limit
  • 80% reimbursement
  • $500 deductible
  • 6-year-old Labrador Retriever if dog
  • 7-year-old Ragdoll if cat

Our Company Rating System

To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:

  • Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
  • Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
  • Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.


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