Best Pet Insurance Companies In Hawaii For 2024

Lemonade Pet Insurance is my top choice for Hawaii’s best pet insurance company.

min read
Updated: 23 February 2024
Written by
Doug Schaffer
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Our pet insurance professionals got quotes from18 pet insurance carriers to see which one provided the best coverage overall for several scenarios. We found that of those pet insurance carriers in Hawaii, Lemonade Pet Insurance emerged as the front runner.

Lemonade scored high marks for affordable rates, as well as the best all around coverage.  While Lemonade Pet Insurance was Number One in our findings, there are other companies that also had high rankings in their respective categories.

In this guide, we’ll look at a few of the high ranking pet insurance carriers in Hawaii, and how various factors can affect rates.

Best Pet Insurance Companies In Hawaii, 2024

Lemonade
Best Overall Coverage - Lemonade Pet Insurance
Lemonade
Best For Affordable Coverage - Lemonade Pet Insurance
Lemonade
Best For Owners Of Young Pets - Lemonade Pet Insurance
aspca
Best For New Pet Owners - ASPCA Pet Insurance
embraceicon-logo
Best For Cat Owners - Embrace Pet Insurance
Best Pet Insurance, Hawaii 2024

Compare The Best Pet Insurance Companies In Hawaii

Overall Rating Best For Coverage Waiting Period Average Annual Cost for Cats Average Annual Cost for Dogs Get A Quote
Lemonade Pet Insurance
4.7

Affordable Coverage

2 days for accidents and 14 days for illnesses

$18.41

$35.18

Instant Quote
Lemonade Pet Insurance
4.7

Owners Of Young Pets

2 days for accidents and 14 days for illnesses

$18.41

$35.18

Instant Quote
ASPCA
4.6

New Pet Owners

Immediately for preventive care and 14 days for illnesses and accidents

$38.67

$83.30

Instant Quote
Lemonade Pet Insurance
4.7

Overall Coverage

2 days for accidents and 14 days for illnesses

$18.41

$35.18

Instant Quote
Embrace
4.7

Cat Owners

48 hours for accidents and 14 days for illnesses

$20.44

$48.25

Instant Quote
Pets Best
4.5

Owners Of Multiple Pets

3 days for accidents and 14 days for illnesses

$29.54

$41.39

Instant Quote
Scroll to see comparisons

Our Methodology

In our efforts to decide which pet insurance company offers the most affordable coverage in Hawaii, we studied facts and figures gathered from several pet insurance companies active in the state. We also relied heavily on our combined twenty-five years of experience in the industry to rank each carrier. Insurance premiums can fluctuate up or down from one day to the next, So while the rates we show here were accurate at the time this guide was written, they might well be different now. Premiums can be based, for example, on your pet’s age or breed.

40

Quotes Analyzed

25+

Years Of Industry Experience

18

Brands Reviewed

32+

Research Hours

Hawaii's Best Pet Insurance Companies


Best Overall Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Payouts
9/10 Coverage Level

Why We Like Them

Many elements are considered when choosing one pet insurance company as the best overall. Speed of processing claims, cost, and customer service are all scrutinized when determining which carrier is tops for pet insurance. After all of these factors and more were researched, Lemonade Pet Insurance was our first choice for pet insurance carriers in Hawaii. With its pocketbook friendly rates starting at $10 monthly for dogs or cats, Lemonade comes out ahead of any competitors.

Besides its inexpensive rates, pet owners in Hawaii give Lemonade top marks in customer service. One thing mentioned by policyholders is that Lemonade really cares about pets, and it shows in the excellent customer service they provide.

Benefits & Drawbacks

Benefits
  • Accidents covered after a 2-day waiting period
  • Exceptional claims processing department setting an industry standard
  • Availability of various discounts
  • A portion of monthly premiums contributes to nonprofits
Drawbacks
  • Age restrictions for enrollment apply to certain pet breeds
  • Policies are limited to specific states
  • Insurance rates are influenced by pet owner credit and claim history

Best Affordable Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Payouts
9/10 Coverage Level

Why We Like Them

Many pet owners want to have the protection of pet insurance. It protects them financially, and their pet’s health and wellbeing, too. Who wants to make a critical decision for their pet’s health based on the cost of a medical procedure? The majority of pet owners believe that insurance for their pet is pricey. However, as is evident with Lemonade Pet Insurance premiums, insurance coverage for your pet doesn’t mean it will be exorbitantly expensive. Cat owners, for example, pay an average of only $18 per month, and dog owners pay around $35 per month.

Lemonade Pet Insurance offers a variety of discounts, which includes letting customers  bundle coverage and multiple pets. Bundling can lower premiums by as much as 15%.  Lemonade offers a convenient mobile app, too, that helps policy holders manage their pet’s policy.

Benefits & Drawbacks

Benefits
  • Accidents covered after a 2-day waiting period
  • Faster claims processing compared to major competitors
  • Availability of various discounts
  • A portion of monthly premiums contributes to nonprofits
Drawbacks
  • Certain pet breeds lose coverage after reaching a specific age
  • Coverage limitations based on the state of residence
  • Pet owner credit and claim history impact insurance rates

Best For Owners Of Young Pets

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Payouts
9/10 Coverage Level

Why We Like Them

A lot of people prefer to adopt a young pet that will grow up with the family. It’s true that puppies and kittens are cute, but the unaccustomed responsibilities that are part and parcel of owning a very young pet can be challenging. In addition to a thorough training plan, owners of young pets should have coverage that makes it easy to insure them.

Lemonade Pet Insurance is a great blend of low priced rates and top of the line features. Policyholders get an advanced mobile app plus high ranking customer service. Lemonade’s average premiums of just $18 monthly for cats and $35 monthly for dogs won’t be that large an investment, either.

For owners of young pets, Lemonade Pet Insurance stands above the others in its field.

Benefits & Drawbacks

Benefits
  • Policyholders experience a mere 2-day waiting period for pet injuries
  • Claims are processed swiftly, ensuring quick responses
  • Availability of various discounts
  • A portion of the policyholder’s premium is contributed to nonprofits
Drawbacks
  • Certain pet breeds become ineligible for coverage once they reach a certain age
  • Coverage does not extend to all 50 states
  • Pet owner credit and claim history play a role in determining insurance rates

Best For New Pet Owners

Overall Rating
4.6

Key Statistics

7/10 Affordability
8/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

New pet owners would be wise to choose a pet insurance carrier, like ASPCA, with a reputation for excellent service plus being advocates for animal health.

ASPCA’s rates are sometimes a little more than others in certain states, but its premiums in  Hawaii are in line with the national average. Dog insurance will run between $19-$83 monthly and cat insurance around $20-$28 monthly. Policy perks like no age limit on coverage lets you insure your senior pet no matter its age.

ASPCA also offers additional coverage in certain areas such as behavioral issues and alternative therapies. Both of these things can be beneficial to some pets.

Benefits & Drawbacks

Benefits
  • The coverage encompasses items such as alternative therapies, behavioral issues, and congenital conditions
  • A short 14-day waiting period is applicable for cruciate injuries
  • Access to a 24/7 telehealth vet line
  • Vet clinic visit fees for illnesses and accidents are covered under standard policies
Drawbacks
  • Availability of unlimited annual coverage is exclusive to agent-assisted options
  • Limited options for deductibles exist

Best For Owners Of Multiple Pets

Overall Rating
4.5

Key Statistics

8/10 Affordability
8/10 Customer Reviews
8/10 Payouts
7/10 Coverage Level

Why We Like Them

If you have more than one pet, you’re probably aware that having multiple pets means multiple expense. Food, toys, veterinary expenses and more….all these are multiplied times the number of pets you own. Sometimes, though, having a multi-pet household might be a good thing. Like when it’s time to purchase pet insurance, for instance. Many pet insurance companies, like Pets Best, offer policyholders multiple discounts for coverage of more than one pet.

Besides their multi-pet money saver discount, Pets Best Insurance offers low price monthly rates. The monthly rates for cat insurance average from around $20 to $28 per month, and monthly rates for dog insurance average about $19-$70, depending on the breed of dog.

Pets Best provides its policyholders with numerous benefits, such as access to a 24/7 veterinarian helpline in case of emergencies. They extend coverage for pets that use specialized prosthetic devices, along with pets with disabilities, as well.

Benefits & Drawbacks

Benefits
  • Coverage applies to pets requiring wheelchairs or prosthetic devices
  • Access to veterinary assistance through the 24/7 vet healthline
  • A short 3-day waiting period for accident coverage
  • Flexible coverage options for accident and illness policies
Drawbacks
  • Claims processing is generally less prompt compared to other competitors
  • Policy changes can only be made at the time of renewal

Best For Cat Owners

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Hawaiian cat owners checking out pet insurance for a feline take a peek at Embrace Pet Insurance. Embrace has reasonable rates for cat insurance, with the average premium of only about $23.71 per month.

Numerous pet insurance carriers support local animal charities. But Embrace Pet Insurance goes above and beyond with support by donating $2 of every policy they sell to animal charities such as shelters plus cheap or free spaying and neutering.

Embrace is also the pet insurance partner of many leading home and vehicle insurance companies such as Allstate, USAA, and GEICO.

Benefits & Drawbacks

Benefits
  • Policy options designed to be budget-friendly
  • Inclusion of coverage for curable pre-existing conditions in most standard policies
  • Owners with pets requiring orthopedic care can bypass the waiting period with a vet exam
Drawbacks
  • Accident-only policies are the only option for senior pets aged 14 and above
  • Standard policies do not include supplemental coverage

Average Cost Of Pet Insurance In Hawaii

Average Cost In Hawaii — By Cat Breed

Cat Breed Average Monthly Cost
Domestic Shorthair $20
Sphynx $22
Siamese $24
Maine Coon $28

Average Cost In Hawaii — By Dog Breed

Dog Breed Average Monthly Cost
Affenpinscher $19
Labradoodle $38
Greyhound $65
Newfoundland $89


Average Cost In Hawaii — Accidental-Only Coverage

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $31
Pets Best $36
TrustedPals $38
Figo $45
ASPCA $56

Average Cost In Hawaii — Comprehensive Coverage

Insurance Provider Average Monthly Cost for Comprehensive Coverage
Pets Best $39
Lemonade $35
Trusted Pals $52
FIGO $53
ASPCA $58

How To Find The Best Pet Insurance Company For You

Purchasing pet insurance is much like purchasing insurance for yourself. Comparing rates is important, of course. However, before reaching that point in the process, familiarize yourself with the components that are the most important when it comes to pet insurance coverage.

Almost all pet insurance companies provide pet insurance coverage that only pays benefits for accidents, not illnesses or other health conditions. Some pet insurance carriers offer accident and forgiveness plans. Both of these insurance plans have benefits, and either one could be the best choice for you and your pet.

Younger pets, for example, are probably not going to develop age related illnesses like those seen more often in older pets. For those young pets, an accident only plan would probably be the best selection. If your pet is considered to be at high risk for particular health problems, it might prove beneficial to choose a comprehensive plan instead of accident only.

One thing you might make note of is the duration of the waiting period before insurance benefits kick in and start paying. Pet insurance companies have varying lengths of waiting periods for illnesses or accidents. It’s best to know what a carrier’s waiting period is before sealing the deal and purchasing a policy from them.

Largest Pet Insurance Companies In The United States

Company Name Estimated Market Share Percentage
Trupanion 30%
Nationwide Mutual Insurance Company 19%
Embrace Pet Insurance 9%
Fetch by the Dodo 8%
Pets Best Insurance 2.4%
Hartville Group Inc. 1.4%
MetLife Pet Insurance 1.4%
Petsecure 1.3%
Healthy Paws Pet Insurance .73%
Pumpkin Pet Insurance .48%

How To Buy Pet Insurance Online In Hawaii

If you’d rather research and buy pet insurance from the comfort of your home or office, you will be glad to hear that the internet turns this task into a quick and easy endeavor. Online platforms like Insuranceopedia are chock full of information and data regarding pet insurance. There are steps you can do ahead of time, also, to streamline the process. You can even submit an application for coverage online with most pet insurance companies..

Below are four important steps you’ll want to take during the pet insurance buying process:

  • Step 1: Get all of the important information together before starting your research into pet insurance carriers. For instance: the pet’s type, (i.e. cat or dog) the pet’s breed, the pet’s age, the pet’s medical history, along with all other documentation pertaining to the pet’s lineage, if any
  • Step 2: Use your handy online calculator to determine how much coverage is best for you and your pet. Do the same thing for the deductible amount
  • Step 3: Do a quote comparison between at least three pet insurance companies
  • Step 4: Narrow these three choices by weeding out two. Then submit your application, purchase a policy, and let your vet know about your new pet insurance

Pet Insurance Discounts In Hawaii

Pet insurance coverage, like other kinds of insurance, can be higher priced depending on where you live. One savvy way to lower the costs of premiums is to use discounts that a pet insurance company may offer. Different pet insurance carriers can offer different discounts,  making it pay to look around before finalizing a purchase. It might help you save some money to check out these options below:

  • Animal care employee discounts
  • Multi-policy discount
  • Wholesale and special interest clubs discounts
  • Online policy discounts
  • Active and retired military discounts
  • Special service animal discounts
  • Employer sponsored discounts
  • Multi-pet discount
  • Employee union discounts
  • Senior discounts

Things That Have An Impact On The Cost Of A Pet Insurance Policy In Hawaii

Numerous pet owners think that pet insurance rates are based on one or two points. But the truth is that there are several factors that go into determining rates for pet coverage. Here are some of those price components:

  • Age
  • Insurance Type
  • Breed
  • Animal Type
  • Insurance Type
  • Location

Animal Type

When you’ve done the proper amount of research and are ready to make a purchase from the pet insurance carrier of your choice, keep in mind that the type of pet you own is going to play a big part in the cost of premiums. On average, dog owners will pay 2-3 times higher premiums than cat owners. This is largely because dogs usually spend more time outside than cats, where they’re at a higher risk of accidents or sickness.

Age

The age of your pet is a component when it comes to quotes from various pet insurance carriers. Some pet insurance companies will keep their premiums affordable no matter how old your pet may be, while others won’t approve your application for coverage if your pet is considered by them to be too old. If you’re the owner of a senior pet, take time to shop around for insurance that offers good coverage for older pets.

Breed

Your pet’s breed is an important point in the cost of pet health insurance. While there often isn’t a big difference in rates for a lot of dog breeds, some breeds are deemed high risk and will come with a higher premium.

Bulldogs and boxers, for example, have a known history of sinus problems as well as issues with their skin. So with that in mind, these breeds that have a higher possibility of developing certain health problems will usually have a higher cost for insurance.

Insurance Type

Most of the time, you will have two options when you purchase pet insurance coverage: Accident only, or both accident as well as illness coverage. Both of these will provide protection for your pet along with your finances if your pet requires medical care. Remember that a comprehensive policy that covers both accident and illness will be higher than accident alone. If you’re having trouble deciding which to get, ask yourself if the price of the additional coverage will be worthwhile.

There’s no remarkable difference in the price of pet insurance from city to city, but some areas within a state might be deemed high risk because more claims are coming out of that  area.

Hawaii Pet Insurance Laws To Know

  • As of January 20, 2022, Hawaii Legislature requires dogs and cats to have a microchip. Before this, dog owners were required by law to have a license for their pets. With this new law, a license is no longer needed.
  • H.B. NO. THIRTIETH LEGISLATURE, 2019. relating to animal cruelty. “BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF HAWAII: The legislature finds that the continual tethering or chaining of dogs is a cruel and inhumane practice that endangers dogs as well as people.”

FAQS

Do all vets take pet insurance in Hawaii?

In Hawaii, same as other states, you won’t have any trouble with a vet accepting your pet insurance. This is due to your paying the cost of treatment and then being reimbursed by your insurer.

How much is pet insurance in Hawaii?

Cat insurance rates in Hawaii aren’t as much as that of dogs. This is true pretty much across the nation. Coverage for dogs will almost always run higher that cats. A cat insurance policy in Hawaii comes with an average premium of $27 monthly, and pet insurance for dogs is generally about $48 monthly.

Legally, am I required to insure my pet in Hawaii?

No. You aren’t legally require to have pet insurance, but it is recommended.

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