6 Best Hawaii (HI) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

As a licensed Hawaii insurance agent, I know that policy language can be confusing, leading to frustration when choosing the right policy and insurance provider. However, when it comes to cat and kitten insurance in Hawaii, I have taken care of the research for you. All the information you need is here, whether you live in Honolulu, Hanalei, Kaneohe, Haiku, Kona, or beyond. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Hawaii (HI) Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Hawaii (HI) Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Hawaii (HI) Cat with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

pumpkin logo
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR HAWAII (HI) CATS

$22.30/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR HAWAII (HI) CATS

$16.08/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a community based subscription service supported by its members
4.8
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR HAWAII (HI) CATS

$19.64/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Hawaii (HI) Cat vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.8
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR HAWAII (HI) CATS

$29.49/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR HAWAII (HI) CATS

$24.70/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR HAWAII (HI) CATS

$26.27/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company

pumpkin logo
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR HAWAII (HI) CATS

$22.30/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company

Hawaii (HI) Cat Insurance FAQs

What is cat insurance, and why is it useful in Hawaii?

To protect your cat with insurance, apply for a policy with an insurance company and pay the monthly premiums to keep it active. Should your cat or kitten become sick or get in an accident, you need to pay for treatment out-of-pocket. You then submit a claim to your cat’s insurance provider to be reimbursed. Keep in mind that insurance companies tend to exclude pre-existing conditions. Therefore, we recommend getting your cat or kitten insured as young as possible (as early as 8 weeks old).

Vet bills in Hawaii consistently rank as some of the highest in the country, especially when it comes to cancer therapies ($10,000 or more) or treating feline kidney disease ($700+ per year). Uninsured pet owners often have to make the painful decision to put their cats down due to their inability to cover the expenses for the treatment needed. Insurance eliminates that unfortunate situation.

At what age can I insure my cat?

When you apply for insurance coverage, cats can be as young as 8 weeks of age. That said, most providers do not have an age limit. Getting your cat insured as young as possible means they’ll be far cheaper to insure because they’ll have less time developing health conditions. My team and I recommend getting your cat or kitten insured before their first birthday.

Is it worth getting cat insurance in HI?

Absolutely. With veterinarian services repeatedly ranking in the top three most expensive in the US, cat insurance will make owning a pet affordable and less stressful. Many cat owners will experience vet bills upwards of $1500 for an emergency visit. It’s essential to decide if paying monthly insurance premiums is worth the mitigation of possible high out-of-pocket veterinarian expenses at some point.

What does cat insurance cover and exclude?

Coverage differs from provider to provider, but a good rule of thumb is that your policy will reimburse for “sudden and catastrophic” events or illnesses. Some examples of such incidents include urinary blockages, eye infections, broken bones, or wounds. An insurance policy will not cover any sickness your cat may have when applying for coverage as it will be deemed a pre-existing condition. The good news is that many cat insurance companies have “wellness” packages that you can add to your policy. These provide more maintenance and routine care coverage, such as annual physical exams and vaccinations.

How does reimbursement work?

Hypothetically speaking, you have an insurance policy that allows for 90% reimbursement and has a $250 deductible along with a $15,000 annual maximum benefit. For example, if your cat ends up with a urinary blockage and requires an operation of $3,000, you’ll need to pay the total amount upfront. Then, you submit a claim to be reimbursed. The insurance company will reimburse you $2,700 (90%) minus your deductible of $250. Therefore in this scenario, they’ll reimburse you for $2,450. Consequently, you would only pay $550 of the total $3000 bill—however, one cat insurance company directly pays veterinarians in their networks, Trupanion. By choosing them as your insurance provider, you would not have to pay up-front for your cat’s emergency visit to the vet.

Is it better to have a higher or a lower deductible?

A higher deductible gets you lower monthly premium payments. It also means that you’ll pay more out-of-pocket in the event of an emergency. Whereas a lower deductible results in higher monthly premium payments, but you’ll pay less in the case of a catastrophic event. Ultimately, whichever you choose depends upon your financial situation. Many providers have online, user-friendly calculators that you can use when getting a quote. The most popular deductibles are either $250 or $500.

Are there any restricted cat breeds for homeowners insurance in Hawaii?

There generally are no breed restrictions for homeowners insurance in Hawaii, unlike dogs. That said, it is always best to be on the safe side and check with your specific insurance provider for your home in Hawaii.

5 Useful Strategies for Keeping Your Cat Safe & Healthy in Hawaii

Hawaii faces specific issues that many other states do not, including volcanic eruptions, hurricanes, earthquakes, flooding, and raging brush fires. Animals also have to deal with fleas and centipedes. All of which pose particular challenges for keeping your cat safe and healthy in Hawaii.

1. Keep your cat hydrated

Keep your cat hydrated. Cats are unlike dogs in that they are not natural water drinkers. (In fact, if they drink a lot of water, it’s a potential sign of kidney disease.) To ensure your cat or kitten stays hydrated in the year-round heat of Hawaii, feed them canned food or raw meat, fish, or poultry. Their bodies readily absorb the moisture from these foods. If you provide your cat kibble (dry food), hydrate the food with a bit of water and let it sit for a few minutes before serving to allow time for absorption.

2. Treat your cat for fleas

Fleas are horrendous in Hawaii. To prevent severe discomfort and suffering, routinely treat your cat for fleas. Conventional and natural treatments are available. Speak with your vet to determine what is best for your cat and the frequency of application (spot-on method) or change (collar).

3. Prepare an emergency bag

Hawaii is no stranger to natural disasters. Just as preparedness is encouraged amongst humans, it is essential to have a “go” bag for your pet cat. This bag can include a decent supply of food, water, medicine, a small portable litter box, and litter. Also, have your cat carrier, lined with a cushion or pad, easily accessible should you need to leave your home on short notice.

4. Keep your cat indoors or in your yard

While Hawaii is paradise, it is unsafe to allow your cat to roam (unless you have a lot of lands). There have been countless reports of cats being maimed by dogs or shot for crossing over into other people’s yards. It’s also good to let your neighbors know that you have a cat and kitten and show them a picture, just in case your furry friend ever strays too far from home.

5. Brush your cat regularly

Cats tend to lick (clean) themselves more frequently in hotter weather, which means Hawaii cats are always busy! Brushing them for even a few minutes a day can help reduce hairballs or even potentially fatal gastrointestinal blockages that hairballs can cause. Additionally, should you have an indoor-outdoor cat, this will help prevent your cat from ingesting any burs that got caught in their fur.

Conclusion

Choosing the best cat insurance for your cat or kitten is more straightforward than you may have thought. The most significant benefits come from getting your kitten insured at 8 weeks or older. As a result, you reduce the potential for pre-existing conditions to arise before putting your cat’s insurance policy in place. That said, getting your cat insured at any age is always beneficial. It will improve the quality of treatment you can get your furry friend and save you from shelling out exorbitant amounts of money in an emergency.

Ready to get started? After countless hours of research, we’ve found that Pumpkin pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Hawaii (HI) Cats

We ranked the best pet insurance policies for Hawaii (HI) Cats based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Hawaii (HI) Cat with a $500 deductible located in the 96821 zip code (Please note: prices will vary greatly based on your location)
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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