The Best Pet Insurance in Hawaii (2024)
The Aloha State is famous for its beautiful beaches, great vacation spots, luaus, and so much more. Hawaii has gorgeous beaches where many residents can take their pets. However, it’s essential before taking your pet to a beach or on a walk that you have a good pet insurance policy in place for it in case it has an accident. Even if your pet stays inside, it can develop an illness or hurt itself, leading to costly veterinary bills. So, what is the best pet insurance in Hawaii?
In this article on the best pet insurance in Hawaii, we’ll discuss the following pet insurance providers:
- Spot: Best overall
- ASPCA: Most experienced
- Embrace: Best for deductibles
- Healthy Paws: Best for chronic conditions
Compare Pet Insurance Companies in Hawaii
| Best For | Star Rating | Monthly Cost | Link | ||
|---|---|---|---|---|---|
| Spot |  | Most Inclusive | $22-$80 | Compare Quotes | |
| ASPCA Pet Insurance |  | Most Experienced | $18–$44 | Compare Quotes | |
| Embrace |  | Best for Discounts Offered | $23-$85 | Compare Quotes | |
| Healthy Paws |  | Best for Chronic Conditions | $24–$54 | Compare Quotes |
| Spot | |
|---|---|
| Logo |
 |
| Best For | Most Inclusive |
| Star Rating | |
| Monthly Cost | $22-$80 |
| ASPCA Pet Insurance | |
|---|---|
| Logo |
 |
| Best For | Most Experienced |
| Star Rating | |
| Monthly Cost | $18–$44 |
| Embrace | |
|---|---|
| Logo |
 |
| Best For | Best for Discounts Offered |
| Star Rating | |
| Monthly Cost | $23-$85 |
| Healthy Paws | |
|---|---|
| Logo |
 |
| Best For | Best for Chronic Conditions |
| Star Rating | |
| Monthly Cost | $24–$54 |
*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting times, usually six months to a year. This is common among many pet insurance providers, but many will cover most illnesses after the waiting period listed above.
Pet Insurance Companies in Hawaii Reviews
Choosing a pet health insurance provider can seem overwhelming with the many options out there. Regardless of which pet insurance company you choose, it will have different strengths and weaknesses. To help you out, our team at QUARTZ has compiled a breakdown of four different pet insurance providers that give Hawaii pet parents coverage. Keep reading to learn more about different pet insurance providers and their offerings.
Spot
Most Inclusive
ASPCA Pet Insurance
Most Experienced
Embrace
Best for Discounts Offered
Healthy Paws
Best for Chronic Conditions
How Does Pet Insurance Work in Hawaii?
Pet insurance acts as a financial safety net for veterinary bills, especially for unexpected accidents or illnesses that your pet develops during its lifetime. It works by providing you with coverage for various conditions and circumstances. When your pet becomes ill or has an accident, simply take it to a licensed veterinarian or animal hospital. Keep the veterinary bill, then submit it to your pet insurance provider. Once it has processed the claim, you’ll be reimbursed based on your reimbursement rate for your policy.
Pet insurance can give you peace of mind that your pet will always have access to good veterinary care, even if it has a terrible accident or develops an illness. For many, pet insurance is an excellent investment that can save them hundreds, even thousands of dollars throughout their pet’s lifetime.
How to Choose the Best Pet Insurance in Hawaii for You
When shopping for pet insurance plans, it’s important that you consider many factors before choosing a provider. We recommend beginning by thinking about what kind of pet insurance plan you’d like for your pet. There are three main types of pet insurance plans to consider:
- Accident-only coverage: As its name suggests, accident-only coverage only covers accident-related incidents, such as treatment for broken bones, animal bites, burns, and surgery for swallowing a foreign object. This type of plan will not cover illnesses or routine veterinary care. Accident-only coverage is usually the most inexpensive pet insurance plan and can be a great choice for a pet parent on a budget.
- Accident and illness coverage: Accident and illness coverage will help with the costs of everything covered by accident-only coverage along with illnesses. For example, if your pet develops diabetes, cancer, hypothyroidism, or has an infection, accident and illness coverage can help with treatment and diagnosis costs. This plan will not help with the cost of routine veterinary care.
- Wellness plans: Wellness plans, also known as preventative care plans, are typically add-ons to one of the other types of pet insurance plans. These types of plans will help with the cost of routine veterinary care, such as regular blood work, dental cleanings, wellness exams, and vaccinations.
After deciding what kind of plan you’d like to enroll your pet in, consider the following factors before choosing a pet insurance provider:
- Does it have good customer reviews from online review websites and consumer report websites, like the Better Business Bureau?
- What are the plans’ exclusions?
- Does the plan have a lifetime or annual benefits cap?
- Will this plan cover the costs of prescription diets and medications?
- Can you communicate with your pet insurance provider through your preferred communication channel? (live chat, phone, email, etc.)?
- Are dental illnesses or cleanings covered with this pet insurance plan?
- Does this provider offer a preventative care plan?
- What is this company’s claim approval rating?
- Can you easily get a quote from this provider?
- Does it offer a user-friendly mobile app?
- Are alternative therapies or behavioral treatments available with this plan?
Don’t hesitate to sign up for a pet insurance plan. The longer you wait, the higher your risk is of your pet developing a pre-existing condition, which will not be covered with your plan. Take your time to choose a plan, then quickly enroll your pet so that you can rest easy knowing that it’s covered.
How Much Does Pet Insurance Cost in Hawaii?
Hawaii has many pet insurance providers to choose from. Depending on your pet’s breed, age, and even which part of Hawaii you live in, the cost of your monthly premium can vary significantly. What kind of plan you choose will also impact the cost of your monthly premium. More comprehensive plans, like accident and illness plans, will cost more than other plans, such as accident-only plans. Please keep in mind that the following numbers are estimates only.
On average, you can expect to pay between $30 and $60 for dog insurance. For cats, you can expect to pay between $15 and $25. Wellness plans will be an additional cost and typically average between $10 to $25 per month.
| Provider | Sample Monthly Cost For Dogs | Sample Monthly Cost For Cats | Sample Monthly Wellness Cost |
|---|---|---|---|
| Spot | $40 | $22 | $9.95 (gold), $24.95 (platinum) |
| Embrace | $35 | $18 | $35 |
| Healthy Paws | $39 | $12 | Not offered |
| ASPCA | $49 | $29 | $9.95 (basic), $24.95 (prime) |
City/Monthly Cost of Pet Insurance in Hawaii
Unlike in other states, pet insurance costs in Hawaii were pretty much the same from city to city. Below is the average cost for a pet insurance policy based on a medium-sized, 4-year-old mixed breed dog. These premiums are for a pet insurance policy that charges a $250 deductible and pays 80% of covered costs, which is the most preferred plan by pet owners.
| City | Monthly Cost |
|---|---|
| Honolulu | $33.22 |
| Pearl City | $33.22 |
| Mililani | $33.22 |
| Kaneohe | $33.22 |
| Ewa Gentry | $33.22 |
Final Thoughts
Pet insurance helps to ensure that you can always provide your pet with the best veterinary care, especially if your pet suddenly has an accident or develops a serious or chronic illness. Veterinary costs are only continuing to rise, and pet owners should never feel like they can’t choose the best care for their pets purely due to financial limitations. This is why pet insurance is a great financial investment for so many pet parents.
We at 365 Pet Insurance hope that this review of different pet insurance in Hawaii helps you to narrow down the selection so that you can sign your pet up for a policy. The sooner, the better, before your pet develops any pre-existing conditions!
Information for Pet Owners in Hawaii
Hawaii is a gorgeous place that many people can only dream of visiting. If you live in Hawaii or are visiting on vacation, it’s great to know that Hawaii is a highly pet-friendly place filled with many dog-friendly establishments. From dog-friendly restaurants to gorgeous beaches to stunning parks, you won’t be at a loss for what to do with your pet in Hawaii.
Hawaii Pet Laws
Before taking your dog out, you should know Hawaii pet laws so that you can enjoy your fun lawfully. Here are some pet laws you need to know about:
- When in public, your dog must be leashed.
- All outdoor cats need to be neutered or spayed.
- All dogs need to be licensed once they’re seven months old. If your dog is not licensed, it’s at risk of being impounded.
- All pets must be current on their vaccinations, regardless of whether you’re visiting or a resident of Hawaii.
- All solid waste must be disposed of properly when in public.
- Veterinarians are legally allowed to give emergency aid to an animal in need, even without an owner’s consent. Vets are also required to report animal cruelty.
Fun Things to Do With Your Pet in HI
You can’t help but think about the beautiful beaches when you think of Hawaii. Beaches are a great place for you and your dog to explore the water and sand together. Many beaches in Hawaii are pet-friendly, and some even allow your dog to be off-leash when you’re in the water. Here are some of the most popular beaches:
- Turtle Bay Beach – North Shore
- Hau Tree Beach Park – Ewa Beach
- Barbers Point Beach Park – Barbers Point
- Kaluahole Beach – Diamond Head
- Kailua Beach Park – Kailua
If you love hitting up the trails, you’ll adore these pet-friendly Hawaii hiking trails. Here are a few of the most notable ones you should take your pup to:
- Aiea Loop Trail – Aiea
- Manoa Falls – Honolulu
- Old Pali Road – Honolulu
- Waimano Ridge Trail – Pearl City
- Waimano Valley – Waimalu
We love how pet-friendly Hawaii is. You definitely don’t want to miss out on the opportunity to take your pet to these gorgeous spots.
Hawaii Pet Resources
If you or someone you know is in need, check out these Hawaii pet resources to aid your pet. All resources are either free or at a discounted rate.
- Hawaii Humane Society: The Humane Society offers low-cost spaying and neutering to pet parents in Honolulu. It also has a pet food bank program that provides temporary assistance to pet owners who need help feeding their animals.
- Hawaii Island Humane Society: This humane organization provides dog and cat food to low-income residents of Hawaii. You can receive pet food for up to five pets per visit for two weeks at a time.
- Kalihi Pet Clinic: This pet clinic offers affordable care and veterinary services on a first-come, first-serve basis.
- Poi Dogs & Popoki: This clinic offers Hawaiian residents low-cost mobile spay and neuter services. It also provides low-cost wellness services.
Frequently Asked Questions About Pet Insurance in Hawaii
What is Pet Insurance?
Pet insurance is health insurance for your pet that reimburses you for part of your pet’s vet bills based on your specific plan’s coverage. Unlike human insurance, pet insurance providers do not pay for your pet’s medical bill at the vet clinic or animal hospital. Instead, your pet insurance provider will reimburse you directly after you’ve submitted your claim. Most pet insurance plans will reimburse you for between 50 to 90% of the total vet bill. This means that you’ll pay out of pocket for your dog or cat’s medical bill at the time of the visit, then submit your claim to your pet insurance provider, which will then reimburse you for the cost up to your plan’s reimbursement rate.
Do pet insurance policies have waiting periods in Hawaii?
Yes, pet insurance policies more than always have waiting periods. between your initial enrollment period and when coverage officially begins for the plan. Across most providers, the standard is around 14 days for accidents and illnesses, but some others, like Embrace, can shorten your waiting period to as low as two days for accidents.
What does Pet Insurance typically cover?
Depending on what type of plan you choose, your pet insurance plan will cover different things. Accident-only plans provide medical coverage for accidental injuries, such as broken bones, sprains, and prescription medications. Accident-and-illness plans try to extend that coverage to include cancer treatments, digestive illness, hip dysplasia, and similar issues.
Our Methodology
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Pet Insurance Cost: The Definitive 2024 Guide
