6 Best Hawaii (HI) Pet Insurance Plans Compared in 2023

Updated on by Matthew H. Nash – Licensed Insurance Agent

Pet parents across the Islands understand how vital pet insurance is to their little pals’ safety and well-being. Initially, determining the best Hawaii pet insurance plan can seem like no easy feat, but with the right information can be a simple process. My team and I have researched everything you need to know. So whether you live in Honolulu, Hilo, Kihei or Lahaina, this article has you covered. Read more about our unbiased ranking methodology and advertiser disclosure.

Top HI Pet Insurance Scored, Ranked & With Cost

Use our below table to compare the best pet insurance providers in Hawaii quickly. The average monthly Hawaii specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Hawaii with a 35206 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your pet. Prices are accurate as of December 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Hawaii pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN HAWAII

$43.33/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
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Hawaii pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN HAWAII

$38.92/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Hawaii 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
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Hawaii pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN HAWAII

$42.30/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 Hawaii pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN HAWAII

$46.27/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans in addition to their preventative care coverage. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Hawaii pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN HAWAII

$65.58/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • They 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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Hawaii pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN HAWAII

$58.64/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

Wagmo
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Hawaii pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN HAWAII

$43.33/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

How much does dog and cat insurance cost in Hawaii for the 15 most popular breeds?

The price for Hawaii dog and cat insurance is almost always the same throughout the state including in Jackson, Montgomery, Mobile, Birmingham, or Brewton etc. However, the prices will vary based on the age, health and breed of your pet.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of June 2022 and are subject to change. If you’re looking for the most up-to-date cost of pet insurance in Hawaii we suggest getting a quote directly with Figo or Wagmo.

Dog Insurance Prices Hawaii:

  1. Mixed Breed – $28.58/ mo
  2. Labrador Retriever – $38.92/ mo
  3. Golden Retriever – $38.83/ mo
  4. German Shepherd – $41.98/ mo
  5. Goldendoodle – $33.78/ mo
  6. Chihuahua – $17.78/ mo
  7. Siberian Husky – $39.02/ mo
  8. Yorkshire Terrier – $24.53/ mo
  9. American Pit Bull Terrier – $43.21/ mo
  10. Australian Shepherd – $26.87/ mo
  11. Dachshund – $25.34mo
  12. Shih Tzu – $22.59/ mo
  13. French Bulldog – $53.43/ mo
  14. Boxer – $53.66/ mo
  15. Labradoodle – $33.78/ mo

Cat Insurance Prices in Hawaii:

  1. Mixed Breed – $28.58/ mo
  2. American Shorthair – $43.21/ mo
  3. Bengal – $26.87/ mo
  4. Bombay – $53.66/ mo
  5. British Shorthair – $17.78/ mo
  6. Exotic – $25.34/ mo
  7. Himalayan – $53.43/ mo
  8. Maine Coon – $41.98/ mo
  9. Persian – $33.78/ mo
  10. Ragdoll – $38.83/ mo
  11. Russian Blue – $33.78/ mo
  12. Scottish Fold – $38.92/ mo
  13. Siamese – $22.59/ mo
  14. Sphynx – $39.02/ mo
  15. Abyssinian – $24.53/ mo

Not finding your specific pet breed? Wagmo is our #1 recommendation for Hawaii and they’ll be able to give you a quick quote for your exact needs.

Hawaii Pet Insurance FAQs

What is pet insurance? Why is it useful in Hawaii?

To protect your pet to the fullest with insurance, you’ll need to register with an insurance company and keep the policy active by paying the monthly premiums. Should your furry friend become sick or get in an accident, you will need to pay the bills upfront. Then, you’ll have to submit a claim to your insurer for reimbursement. It is important to note that insurance companies tend to exclude most pre-existing conditions, which is why we suggest getting your pet insured while it is still very young.

How old does my pet need to be to get insured?

As mentioned above, your pet can be quite young. For example, both kittens and puppies can get insured after they are 8 weeks old. The good news is that providers do not have an age limit for insuring pets. Of course, younger animals are usually much cheaper to insure. We recommend you get a policy for your cat or dog before they are a year old. For other types of animals, consult your insurance provider of choice as to the earliest you can get a policy for your pet.

Is it worth getting pet insurance in Hawaii?

Hawaii is one of the most expensive states in the US when it comes to veterinary bills. Combine this with the inevitability of accidents or illnesses, and pet insurance becomes even more appealing. Keep in mind: most pet owners find themselves spending upwards of $2,000 or $3,000 for an emergency trip to the vet. Therefore, you must decide whether paying monthly insurance premiums is worth the offset of potentially exorbitant out-of-pocket costs in the future.

What does pet insurance cover and exclude?

Coverage differs from provider to provider. A good rule of thumb for pet insurance is that illnesses or accidents deemed “sudden and catastrophic” are covered unless expressly excluded in your policy. Examples of sudden and catastrophic events might include kidney disease, broken bones, urinary tract infections, skin rashes, and more. That said, if your pet has leukemia when you apply for pet insurance, it will be put on the exclusions list as a pre-existing condition. Again, pre-existing conditions are not eligible for claims. A nice extra benefit is that most pet insurance companies have “wellness” packages that you can add to your primary policy. These packages provide more routine care and maintenance coverage such as annual physicals, heartworm prevention, and vaccinations.

How does reimbursement work?

Here’s a hypothetical situation where you have an insurance policy that offers a $20,000 annual maximum benefit, 90% reimbursement, and a $250 deductible. If something happens to your pet and it needs a $7,500 emergency surgery, this is what you could expect in this scenario: your insurance provider would reimburse you $6,750 minus the $250 deductible. Therefore, you would only pay $1,000 instead of the original $7,500. If you want to avoid paying upfront costs at the vet, Trupanion is a great pet insurance provider that pays vets in their network directly.

Which is better: a lower or higher deductible?

A lower deductible leads to higher monthly premiums. So while your monthly payments will be higher, your costs in the event of a catastrophe will be lower. The reverse is true for a higher deductible in which you’ll pay less each month but shell out more money in an emergency. Ultimately, you need to do the math and see what suits your preferences and financial circumstances best. There is not a one-size-fits-all recommendation. Many providers offer customer-friendly calculators on their websites to use when requesting a quote. Pet insurance’s most common deductible choices are $250 and $500.

Does Hawaii have any restricted pet breeds in regards to homeowners insurance?

Hawaii does not have any breed restrictions when it comes to cats. However, most providers have restrictions on dog breeds. These might include, but are not limited to:

  • Akitas
  • Chow Chows
  • Doberman Pinschers
  • Great Danes
  • German Shepherds
  • Pit Bulls
  • Rottweilers

For other animals, contact your local home insurance company to discuss potential restrictions. Even with dogs and cats, it’s always best practice to consult your home insurance company first so you can determine which breeds or types of animals are excluded from your policy and whether you’ll need a specific liability rider.

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

Hawaii faces a unique combination of natural threats most states do not. These include volcanic eruptions, hurricanes, earthquakes, flooding, and raging brush fires. Combine these disasters with the climate and critters of the Islands, and there is a lot you need to think about to keep your pet safe and healthy in Hawaii.

1. Prepare an emergency bag

Hawaii has its fair share of natural disasters. Preparedness is not reserved for humans. Having a “go” bag for your pet(s) is essential to successfully navigating an emergency. This bag should include a decent supply of food, water, medicine, pee pads, a leash, as well as a small portable litter box and litter if you have a cat. Keep your pet’s carrier lined with a cushion or pad, and make sure it’s easily accessible in case you need to leave your house on short notice.

2. Treat your pet for fleas and worms

While Hawaii does not have a tick problem like most states in the US, fleas are rampant. To prevent discomfort and suffering, treat your pet regularly for fleas. Natural and conventional treatments come as a spot-on solution or collar. Consult your vet to determine what is best for your pet. And while you’re at it, ask them about treating your pet for worms. Animals, particularly cats and dogs that spend time outdoors–or did so before joining your family–may have picked up worms. While flea treatment needs to follow a schedule, deworming your pet does not. Your vet will advise you on the best protocol and frequency.

3. Centipedes and scorpions can be dangerous

While the lesser brown scorpion is relatively common throughout Hawaii, it is not poisonous. That said, its bite can cause your pet severe pain and swelling. However, centipedes are much more common and dangerous. It’s essential to pay attention if your pet suddenly becomes restless or lacks an appetite. Check your pet for wounds and get it to a vet immediately. Centipede bites are not typically fatal, but they are poisonous depending on the size and type.

4. Never leave your pet in the car

Even in the cooler months, it is far too hot to leave pets in the car. Doing so could lead to dehydration, heat stroke, or even death. Whenever you leave home with your pet, be sure to bring along plenty of water, a bowl, and even a few treats to keep it feeling strong and healthy.

5. Keep your pet indoors or in your yard

While Hawaii is paradise, it is unsafe for your pets to roam (unless you have a lot of land), especially cats. It is not uncommon for cats to get maimed by dogs or shot for wandering into other people’s yards. And if a dog gets loose, people are more inclined to call animal control than seek out its owner. It’s always a good idea to let your neighbors know about your new pet and show them a picture, just in case your furry friend ever strays too far from home.

5 Unique Pet Rescue Shelters in Hawaii

If you’re looking to add a new furry friend to your family, here are five unique animal shelters throughout the state of Hawaii. We believe adopting a pet is a wonderful way to find your new companion.

1. East Maui Animal Refuge in Haiku, HI

The East Maui Animal Refuge is a sanctuary to an array of animals, including cats, dogs, cows, deer, goats, pigs, deer, ducks, and other birds. The EMAR is a no-kill shelter for animals that are homeless, distressed, injured, or neglected.


2. Rainbow Friends Animal Sanctuary in Kurtistown, HI (Big Island)

Rainbow Friends is set amidst an exotic landscape on the eastern side of the Big Island. They provide refuge for animals (of all sorts) in need. All animals receive the food, care, and medical treatment they need. RF promotes community awareness, offers local spay and neuter programs, and allows animals to live out their lives at the sanctuary if they are never adopted.


3. The Hawaii SPCA in Waianae, HI (Oahu)

The Hawaii SPCA is located on the west side of Oahu and is a no-kill shelter for dogs and cats alike. In addition to providing all of the animals in their charge with medical treatment, food, shelter, and love, they offer low-cost spay and neuter programs and organize animal rescue groups and adoption programs throughout the island.


4. The Kauai SPCA in Kilauea, HI (Kauai)

Like the SPCA on Oahu, this Kauai shelter offers extensive care for abandoned, injured, abused, and neglected animals. What’s more, they deliver medical supplies and food in the event of an emergency, such as flooding, a fire, or a hurricane–even by boat, if necessary.


5. Hawaii Animal Rescue Foundation (H.A.R.F.) in Wailuku, Hawaii (Maui)

This stunning no-kill sanctuary in northern Maui features 10 gorgeous acres that are home to only dogs and puppies. In addition to adoption and rehabilitation services, they provide community outreach and education.


Conclusion

As you can see, finding the best pet insurance is much easier than you may have initially thought. We suggest getting your pet insured as early as possible. The earlier in your pet’s life, the better the prices you will get and with far fewer restrictions. Nevertheless, getting your pet insured at any age is always a good idea. It will prove helpful in emergencies and enhance the quality of your pet’s life. Our research shows Wagmo continuously performs the best and offers the lowest monthly premiums.

SwiftScore Ranking Methodology for Hawaii

We ranked the best pet insurance policies in Hawaii based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in Hawaii with a 35206 zip code
  • 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