Pet Insurance in Hawaii: Compare the Best Pet Insurance Companies and Most Affordable Quotes


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Updated: September 26, 2024

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Keeping your pet insured with the best pet insurance in Hawaii can save you thousands of dollars every year. Additionally, you can feel comforted knowing your pets are covered in the event of a medical crisis. Some insurance plans also contain aspects like immunizations and parasite control as preventative care.

We analyzed data from pet insurance companies in Hawaii that serve large cities, including Honolulu, Pearl City and East Honolulu for our research. Our analysis can help you choose the best policy for your pet and your wallet.

The Best Pet Insurance Companies in Hawaii

MoneyGeek reviewed thousands of estimates from Hawaii’s pet insurance companies, along with policy and coverage details, to find the best pet insurance companies in the state. Affordability and product selection were the primary factors we used in our research.

The cost of pet insurance varies with several factors, including the breed, age, and health history of your pet, as well as the owner's location. Make sure to compare prices from different providers to find the best, most affordable pet insurance policy.

Best Overall Pet Insurance for Your Pet

Pets Best

pros

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No upper age limits

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Plans are valid anywhere in the US, Canada and Puerto Rico

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Multi-pet discounts

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Comprehensive plans offer dental coverage

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No coverage for pre-existing conditions, physical rehabilitation, herbal, holistic and experimental therapies

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Not all comprehensive plans cover exam fees

COMPANY HIGHLIGHTS

According to MoneyGeek's analysis, Pets Best is the best overall pet insurance company in Hawaii. This company offers three coverage levels. A Pets Best pet insurance coverage costs $28.09 per month on average. In terms of unlimited coverage, the provider is also the most affordable of those we analyzed.

Pets Best's deductibles range from $50 to $1,000, with coverage limits ranging from $5,000 to unlimited. Policyholders can opt to cover their pets solely for accidental injuries or for both accidents and illnesses. If you want to treat your pet on a regular basis, you can add routine care coverage to your comprehensive plan. The comprehensive plan offered by the organization includes dental treatment and has no upper age limit.

Best Pet Insurance Company: Unlimited Coverage

Pets Best

pros

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Plans are valid in the United States, Canada, and Puerto Rico

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Dental coverage and prescription medication coverage in comprehensive plans

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Multi-pet insurance discounts

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Not all plans offer physical rehabilitation coverage

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Does not cover pre-existing conditions

COMPANY HIGHLIGHTS

MoneyGeek has ranked Pets Best as the best provider in Hawaii for unlimited pet insurance. BestBenefit Accident and Illness plans from Pets Best feature limitless coverage, so your pet will be covered without you having to worry about exceeding the limitations. However, limitless coverage can be costly, with Pets Best averaging at $35.54 per month for an unlimited policy.

Comprehensive pet insurance plans cover a wide range of risks for pets, including accidents, infections, dental surgeries, cancer treatments and hereditary disorders. Even if your pet has a recurring medical condition, Pets Best will cover it, as long as it is not a pre-existing ailment. Pets Best is also the cheapest for unlimited coverage among the firms MoneyGeek researched.

Best Pet Insurance Company: Affordable Coverage

Pets Best

pros

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No upper age limit for covering pets

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Multi-pet discounts of 5%

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Travel-friendly policies

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Not all plans cover veterinarian's fee

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Physical rehabilitation coverage not available with all plans

COMPANY HIGHLIGHTS

Pets Best is also the best insurance provider in Hawaii for policies with affordable or minimum coverage. Under the company's $5k coverage, you can insure a single pet for an average of $20.64 each month. Your pet will be protected for costs related to illness, injury, dental care and hereditary problems as part of the plan. However, the company does not cover pre-existing conditions.

With Pets Best's affordable coverage options, you may select your deductibles. This enables you to choose a high-deductible plan with a low premium for a healthy pet. On the other hand, paying a higher insurance premium and a smaller deductible allows you to obtain additional coverage for your aging or ill pets.

Best Pet Insurance with Multiple Pets

Pets Best

pros

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Dental coverage and prescription medication coverage in comprehensive plans

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No upper age limit for covering pets

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5% discount for insuring multiple pets

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Coverage available for behavioral conditions

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No coverage for pre-existing conditions

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No preventative care coverage

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All comprehensive plans don’t cover exam fees

COMPANY HIGHLIGHTS

Pets Best also ranks as MoneyGeek's top-rated company for insuring multiple pets in Hawaii. A Pets Best pet insurance policy costs an average of $25.28 per month after applying the multi-pet discount. According to the coverage level, the pet's policyholders will be covered for their accidents, illnesses, dental treatments and cancer.

Separately insuring multiple pets may be costly. However, with Pets Best's multi-pet discount, you can enroll all of your pets without incurring high out-of-pocket costs. Policyholders may qualify for a 5% discount on each pet insured through Pet Best's BestBenefit programs.

Best Pet Insurance Company: Cats

Embrace

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Covers exam fees

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Coverage includes behavioral treatment and training

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Discounts for multiple pets

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Benefits package includes prescription drugs, complementary therapies and dental care

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Does not offer unlimited coverage

COMPANY HIGHLIGHTS

For cats’ insurance, Embrace ranked as the top insurance company in Hawaii. Cats are less expensive to insure than dogs, so you may want to shop around for cat-specific insurance packages In Hawaii, Embrace insurance costs an average of $15.32 a month for a single cat.

Apart from covering accidents and illnesses, this insurance also covers exam costs, operations and hospitalizations, diagnostic tests, genetic conditions, prescription medications and dental treatments. Embrace Cat Insurance, unlike the majority of other insurers, covers pre-existing conditions.

Pet insurance from Embrace, unlike the majority of other insurers, covers pre-existing conditions and behavioral treatments. Additionally, the company offers a remarkable 10% discount to individuals who insure more than one pet.

Ranking
Winner
Avg. Monthly Cost

Overall

Pets Best

$28

Unlimited Coverage

Pets Best

$36

Affordable Coverage

Pets Best

$21

Multiple Pets

Pets Best

$25

Cats

Embrace

$15

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Hawaii?

In Hawaii, pet insurance costs vary according to the age and breed of your pet, along with your location and coverage level. Dog insurance in the state costs an average of $27.17 per month for coverage up to $5,000, $52.83 per month for coverage up to $10,000 and $57.17 per month for unlimited coverage. Cats are typically less expensive to insure, averaging $14.72 per month for $5,000 in coverage, $26.23 for $10,000 in coverage and $37.76 for unlimited coverage.

Additionally, factors such as the age of your pet, the deductible amount and any additional benefits or coverages may affect pet insurance premiums. Before you make a decision, shop around for pet insurance quotes in Hawaii from multiple companies, as each insurer assesses these criteria differently.

Pet Insurance Policy
$5k Coverage
$10k Coverage
Unlimited

Average Cost for a Dog

$27

$53

$57

Average Cost for a Cat

$15

$26

$38

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HOW MUCH PET INSURANCE DO YOU NEED?

MoneyGeek recommends a coverage limit of $8,000 to $20,000 and an 80% or higher reimbursement rate for the average Hawaii pet insurance shopper. This allows policyholders to feel confident that they will be able to cover the costs if their pets become involved in an accident or suffer a medical emergency.

Compare the Cheapest Pet Insurance Quotes in Hawaii

MoneyGeek wants to help Hawaii's pet owners understand available alternatives for pet insurance policies. Variables among different plans are:

  • Annual Reimbursement Limit: Ranges from $3,000 to unlimited
  • Deductible: Ranges from $250 to $500, but some companies have higher or lower options
  • Bill Reimbursement Percentage: 70-90%

If you're on a tight budget or believe you don't need as much insurance coverage, you may benefit from cheaper policies with lower coverage limits. Other pet owners in Hawaii may require insurance with higher coverage limits to ensure their pet receives sufficient coverage.

Higher-limit policies are frequently more expensive, but most pet owners may not need unlimited insurance. These policies provide the highest level of protection for your pet. MoneyGeek recommends the average coverage amount stated below for Hawaii’s pet insurance shoppers.

Maximum Policy Coverage
Winner: Cheapest Policy
Avg Cost

$5,000

Pets Best

$21

$10,000

GEICO

$39

Unlimited

Pets Best

$36

To save money on pet insurance, look for plans with lower annual maximums, higher deductibles and lower reimbursement percentages. The following table compares Hawaii's pet insurance policies with a $5,000 maximum coverage, $500 deductible and an 80% reimbursement rate.

Pet Insurance Company
Low Coverage Monthly Cost

Pets Best

$21

Pet Plan

$22

Spot

$26

Figo

$27

GEICO

$28

Embrace

$28

Hartville

$28

24 Pet Watch

$38

Pet Insurance Company
Average Coverage Monthly Cost

GEICO

$39

Embrace

$39

Figo

$41

24 Pet Watch

$50

ASPCA

$53

Hartville

$53

Spot

$53

Pumpkin

$63

Nationwide

$84

Pet Insurance Company
Unlimited Coverage Monthly Cost

Pets Best

$36

Healthy Paws

$46

Trupanion

$51

Figo

$59

Pet Plan

$66

Spot

$86

The Best Cheap Pet Insurance by City in Hawaii

Aside from your pet's age and breed, the cost of pet insurance in Hawaii also varies with location, as treatment expenses are higher in some areas. Honolulu, for example, has a higher cost of living, which leads to higher veterinary medical expenses and insurance premiums.

Some areas in Hawaii have a higher risk of accidents due to weather, traffic or other such conditions, which raises pet insurance rates in those areas. Additionally, the coverage amount will affect your monthly pet insurance premiums. As a result, the cheapest pet insurance in Hawaii by city varies among several different factors.

City
Coverage Level and Average Monthly Rate

East Honolulu

$5k: Pets Best, $21 Unlimited: Pets Best, $36 $10k: Embrace, $39

Honolulu

$5k: Pets Best, $21 Unlimited: Pets Best, $36 $10k: Embrace, $39

Pearl City

$5k: Pets Best, $21 Unlimited: Pets Best, $36 $10k: Embrace, $39

What Factors Impact Pet Insurance Cost in Hawaii?

Your location, chosen coverage level and your pet's breed and age affect pet insurance costs in Hawaii. It is possible to customize insurance to your pet's unique requirements.

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    Annual reimbursement limit

    This is the maximum amount that your insurance provider will pay for your pet's yearly medical expenses. Limits typically cover $3,000 to unlimited coverage.

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    Deductible

    For pet insurance, deductibles usually range from $250 to $500. The lower the deductible, the higher the monthly premium. To save money on pet insurance, you can raise your deductible.

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    Bill reimbursement percentage

    When an insurance company reimburses you for a certain percentage of your pet's medical expenses, it's known as the bill reimbursement percentage. With a 90% bill reimbursement on a $1,000 bill, you would only have to pay $100 to the veterinarian.

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    Breed

    Bigger breeds and animals with a history of congenital health issues are almost always more expensive to insure. In addition, insurance for dogs is more expensive than for cats.

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    Animal age

    As your pet ages, their insurance costs will increase — the majority of elderly pets suffer from health problems.

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    Location

    Pricing is also affected by your geographic location. Your costs may be higher if you live in a location with a higher cost of living or extra environmental challenges, such as traffic congestion or severe weather.

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    Multi-pet discount

    If you insure multiple pets with the same company, you may qualify for a discount.

FAQ’s About Pet Insurance in Hawaii

Is pet insurance in Hawaii worth it?
Which company has the cheapest pet insurance in Hawaii?
What is the cost of pet insurance in Hawaii?
What are the best pet insurance companies in Hawaii?

MoneyGeek's Rating Methodology for Pet Insurance

Data helps us make better financial decisions. For pet insurance, MoneyGeek's data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure that you find the most affordable policy to meet your pets' needs.

To determine the best pet insurance companies in Hawaii, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we set affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Hawaii and determine our affordability scores for our best rankings, MoneyGeek gathered quotes from companies across many areas in Hawaii for four pet types at the following coverage levels:

  • Low Coverage: $5,000 coverage, $500 deductible, 80% reimbursement
  • Average Coverage: $10,000 coverage, $250 deductible, 80% reimbursement
  • High Coverage: Unlimited coverage, $250 deductible, 90% reimbursement

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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