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Best Pet Insurance in Hawaii (2022 Review)

If you’re looking for a way to protect your fluffy family member, consider purchasing a pet insurance policy in Hawaii from one of these top providers.

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In Hawaii, pet parents know that their fluffy companions are ‘ohana. That sense of family leads local pet owners to search for the best pet insurance in Hawaii, making sure that they can cover the cost of unexpected vet bills and provide the best care in an emergency or accident.

The This Old House Reviews Team spent hours researching and comparing Hawaii’s top pet insurance providers to help readers find the best insurance plan for their pet. We suggest getting pet insurance quotes from at least three different providers on this list to ensure you find the best coverage and cost for your furry family member.

Top 7 Pet Insurance Providers in Hawaii

Here are our top picks for the best pet insurance in Hawaii:

Spot

Spot is our top choice for pet insurance because the company allows dog and cat owners to create a customized plan that best suits their budget.

  • Our score: 91
  • Seven options for annual payout cap and five for deductibles
  • Accident-only, accident and illness, and wellness packages available

Pros and Cons

✔ Covers vet exam fees, which are not included in all standard pet insurance plans
✔ Provides a 30-day money back guarantee on all policies
✔ Has a low ($100) deductible option

✘ Doesn’t offer weekend customer service availability
✘ Has a longer accident waiting period (14 days) than some competitors

Spot Plans and Coverage

Spot offers an affordable Accident-Only Plan that covers veterinary costs related to common injuries like broken bones, sprains, and bites, as well as toxic ingestions and difficulties related to swallowed objects.

For more comprehensive coverage, you can opt for Spot’s Accident and Illness Plan, which includes all items in the Accident-Only Plan along with testing and treatment of diseases and conditions such as cancer, heart disease, and diabetes. The plan also provides reimbursement for the treatment of behavioral issues.

Either plan comes with annual coverage limit options that range from $2,500 to unlimited. You can select a reimbursement rate of 70%, 80%, or 90%. Customers can also customize their deductible to lower their premiums. The higher the deductible, the lower your monthly bill will be.

Spot offers five deductible amounts:

  • $100
  • $250
  • $500
  • $750
  • $1,000

Spot has two wellness packages, both of which cover routine care like dental cleanings, annual check-ups, and some vaccinations. The plans differ in the annual payout limits. Spot’s Gold plan is an additional $9.95 a month and includes a payout cap of $250. At a cost of $24.95 per month, the Platinum preventive plan comes with an annual reimbursement limit of $450.

Get Quote: Compare Rates with Spot

Learn More: Spot Pet Insurance Review


Embrace

For Hawaiian pet parents looking to customize their policy prices, including coverage caps and deductibles, Embrace may be the best choice available.

  • Our score: 93.5
  • Offers five total options for customizing deductibles: $200, $300, $500, $750, and $1,000
  • Exam fees are included in the standard accident and illness plan
  • Mobile app offers on-the-go options for managing your policy and filing claims

Unfortunately, Embrace does not give an option for unlimited coverage, leading some pet owners who expect high veterinary bills in the future to opt for another provider.

Pros and Cons

✔ Coverage includes cats or dogs of all ages, whereas other providers tend to cap coverage at a certain age
✔ Wellness add-on covers a wide range of routine services such as grooming, training classes, and prescription pet food
✔ Policyholders receive a $50 credit toward their deductible for each year they don’t file a claim

✘ Coverage caps only range up to $30,000 annually, which is lower than most competitors
✘ Requires a veterinary exam from within the past 12 months for enrollment

Embrace Plans and Coverage

Embrace offers accident and illness coverage for items such as cancer diagnostics and treatments, genetic conditions such as hip dysplasia, dental trauma, chronic conditions, prescriptions drugs, lab tests, surgery, physical therapy, CT scans, X-rays, ultrasounds, and MRIs.

The optional Wellness Rewards add-on comes at three price points and can reimburse pet owners for costs associated with routine and preventive care such as routine vet visits, chiropractic care, fecal and blood tests, spaying and neutering, vaccinations, anal gland expression, microchipping, and more.

Embrace plans exclude preexisting conditions, breeding, whelping, pregnancy, stem cell therapy unless medically necessary, deliberate injury, cosmetic procedures, DNA testing, and cloning.

Get Quote: Compare Rates with Embrace

Learn More: Embrace Pet Insurance Review


Fetch by The Dodo

For pet owners seeking a broader range of treatment options and homeopathic treatment coverage for their pets, Fetch can be an excellent choice.

  • Our score: 91.5
  • Offers more comprehensive dental care than competitors, covering oral illness as well as trauma
  • Covers holistic treatment options, such as stem cell therapy, chiropractic care, and homeopathic therapies
  • Covers up to $1,000 of costs for vacations canceled due to a sick pet

Though Fetch does offer robust benefits, the lack of add-on choices for preventive and routine care may not be the right fit for pet parents with puppies or kittens.

Fetch by The Dodo Pros and Cons

✔ Offers a 15% discount for each year you don’t file a claim (up to 30% off)
✔ Customizable coverage caps come at three distinct price points: $5,000, $15,000, and unlimited care
✔ Provides $1,000 of coverage for telehealth veterinary services

✘ Has a lengthy 15-day waiting period for both accidents and illnesses, which is higher than many competitors on this list
✘ Doesn’t provide add-on coverage options

Fetch by The Dodo Plans and Coverage

Fetch’s accident and illness coverage includes breed-specific conditions, diagnostic and laboratory testing, imaging such as CAT scans and ultrasounds, cancer treatments including chemotherapy, specialist treatments, behavioral therapies, prescription medications, alternative treatments, telehealth services.

Fetch will also pay for advertising and reward fees for lost pets, and boarding kennel fees if the owner is hospitalized for longer than four days and can’t take care of their pet.Cosmetic or elective procedures, routine and wellness care, and preexisting conditions are not covered under Fetch policies.

Get Quote: Compare Rates with Fetch

Learn More: Fetch by The Dodo Pet Insurance Review


ASPCA

ASPCA made our list of best pet insurance companies because of its focus on supporting new dog and cat owners through its online resources, mobile app, and coverage of microchip implantation.

ASPCA’s website includes a variety of helpful articles related to pet ownership, including information on specific breeds. The company’s app allows you to easily search for a veterinarian in your area and pay your monthly premiums.

  • Our score: 89
  • Vet exam fees covered under standard plans
  • Coverage of preexisting conditions after six months
  • Five choices for annual reimbursement caps

Pros and Cons

✔ Covers the cost of diagnostic testing related to illnesses
✔ Has a 24/7 telehealth line for veterinary care
✔ Provides a 10% discount when you enroll multiple pets

✘ Limits annual coverage caps to $15,000 maximum
✘ Has a 14-day waiting period for accidental injuries

ASPCA Plans and Coverage

ASPCA has one plan covering accidents and another that includes accidents and illnesses. Accident-only coverage extends to exam fees and treatment for a variety of injuries such as cuts, bite wounds, and broken bones. The Complete Coverage Plan covers everything in ASPCA’s Accident-Only Plan as well as chronic and hereditary conditions, cancer, and hip dysplasia.

Preventive care is available through ASPCA’s Basic and Prime plans. The Basic Plan provides reimbursement for routine wellness care, including some vaccines and a fecal test. The Prime Plan extends the Basic Plan to also include spaying and neutering and flea and heartworm prevention. Basic preventive coverage costs $9.95 per month and has an annual reimbursement limit of $250, while the Prime Plan is $24.95 extra per month and has an annual coverage cap of $450.

Get Quote: Compare Rates with ASPCA

Learn More: ASPCA Pet Insurance Review


Healthy Paws

Pet owners looking to avoid out-of-pocket veterinary costs and unlimited coverage caps may find Healthy Paws to be their best provider pick.

  • Our score: 93.5
  • Each filled-out quote provides a donation toward veterinary care for homeless pets
  • Has a unique comparison tool that will suggest other pet health insurance providers if it deems your quote unusually high
  • Has 12 years of experience insuring pets, which is much longer than many competitors on this list

Owners of older pets may not prefer Healthy Paws since its deductibles for older dogs are not customizable, and pet parents looking for lower monthly premiums may want to consider another provider.

Pros and Cons

✔ No annual, per-month, or lifetime coverage caps on the standard accident and illness plan, so you don’t have to worry about reaching a coverage limit
✔ Online chat feature offers fast support
✔ After filing, most claims are processed within two days

✘ No add-on options to cover preventive and routine care or vet exam fees
✘ Pets more than 6 years old have set deductible and reimbursement rates, with no customization offered

Healthy Paws Plans and Coverage

Healthy Paws offers one accident and illness plan that covers hereditary, congenital, and chronic conditions, surgery, hospitalization and emergency care, cancer, prescription medications, alternative treatments, and diagnostic tests such as X-rays, blood tests, and ultrasounds.

Preexisting conditions, office visits, exam fees, preventative or routine care, and spaying or neutering procedures are not covered under the Healthy Paws plan.

Get Quote: Compare Rates with Healthy Paws

Learn More: Healthy Paws Pet Insurance Review


Prudent Pet

Prudent Pet’s comprehensive coverage makes it an attractive choice for pet owners who want a plan that includes unlimited coverage, reimbursement for replacing a pet, lost-pet advertising fees, and other robust benefits that cover the potential pitfalls of pet ownership.

  • Our score: 95
  • Offers three plan options and two add-ons, which is more than what most companies provide
  • Has a 10% multi-pet discount available
  • Behavioral treatments prescribed by a veterinarian are covered in both the Essential and Ultimate Plans

Due to the scope of care that Prudent Pet’s Essential and Ultimate Plans provide, this may not be the most affordable option for pet parents looking for minimal coverage.

Pros and Cons

✔ Has a 24/7 vet chat available for all policyholders
✔ Offers a 30-day money-back guarantee
✔ Doesn’t require a recent exam to enroll your pet in coverage

✘ Doesn’t have a mobile app
✘ Doesn’t offer customizable coverage caps: the Accident-Only and Essential Plans are capped at $10,000, while the Ultimate Plan provides unlimited coverage

Prudent Pet Plans and Coverage

Prudent Pet offers three different plans at increasing levels of coverage:

  • The Accident-Only Plan
  • The Essential Plan
  • The Ultimate Plan

Prudent Pet doesn’t cover cosmetic procedures, breeding costs, or preexisting conditions.

Get Quote: Compare Rates with Prudent Pet

Learn More: Prudent Pet Pet Insurance Review


Figo

Figo is a great choice for dog and cat owners looking for perks beyond veterinary care. In addition to standard and preventive plan options, Figo’s Extra Care Pack provides related pet-care expenses like advertising for a lost animal, the cost of canceling a planned vacation due to your dog or cat’s illness or injury, and cremation expenses.

  • Our score: 93
  • Unlimited annual coverage cap
  • One-day injury waiting period
  • Diminishing deductible

Pros and Cons

✔ Offers virtual vet visits and social networking for pet parents through a user-friendly app
✔ Provides optional third-party liability insurance that covers pet damage outside of your property
✔ Provides a 10% discount when you enroll multiple pets

✘ Will not cover knee injuries for the first 180 days of your policy
✘ Increases premiums as pets get older

Figo Plans and Coverage

Figo’s accident and illness coverage comes in one comprehensive plan with three annual coverage caps options: $5,000, $10,000, and unlimited. The plan includes surgeries, diagnostic testing, imaging, cancer treatments, chronic conditions, and dental issues. Figo also reimburses holistic care and behavioral issues in its standard plan.

For preventive coverage, Figo has optional wellness and routine vet exam plans. For approximately $7 more per month, the Extra Care Pack gives you up to $250 for cremation or burial costs and up to $10,000 in liability coverage for property damage, among other benefits.

Get Quote: Compare Rates with Figo

Learn More: Figo Pet Insurance Review


Best Alternative to Pet Insurance

Pawp

Some pet owners are looking for low prices and accident-only care, which makes Pawp a great fit. Unlike the other options on this list, Pawp is a digital clinic with an emergency fund rather than a traditional pet insurance agency.

Pawp may not be the right choice for pet parents seeking coverage for illnesses, or those with mischievous pups who expect to go to the vet with more than one emergency each year.

  • Our score: 90
  • Covers pre-existing conditions during an emergency
  • Emergency fund pays up to $3,000 straight to your veterinarian instead of reimbursing you later
  • One membership can cover up to six pets

Pawp may not be the right choice for pet parents seeking coverage for illnesses, or those with mischievous pups who expect to go to the vet with more than one emergency each year.

Pros and Cons

✔ Offers affordable plan prices compared to other providers’ plans with higher coverage caps
✔ Has a 24/7 digital clinic that can provide care and advice
✔ Doesn’t have any deductibles; any amount up to $3,000 is fully covered

✘ You must digitally consult a vet through Pawp before using the emergency fund in an accident, which may waste precious time getting your pet the care it needs
✘ Only one emergency is covered each year, even if you don’t use the full $3,000 you’ve been allotted

Pawp Plans and Coverage

There is only one membership offered through Pawp at a flat rate, which can take care of emergency costs for life-threatening blockages, exams, IVs, diagnostic tests, severe internal or external injuries, hospitalization, ingested toxins, and other treatments or tests a Pawp veterinarian may feel are medically necessary.

Expenses that are not life-threatening are not covered, nor are pre-scheduled appointments, emergencies associated with pregnancy or breeding, or routine care costs.

Pawp Sample Monthly Pricing

Due to Pawp’s unique model, there is one flat fee of $24 per month for one of up to six pets, no matter the dog or cat’s age, size, or medical history.

Get Quote: Compare Rates with Pawp

Learn More: Pawp Pet Insurance Review


How Much Is Pet Insurance in Hawaii?

Since your pet’s individual information determines the quote you receive, your estimate from providers may differ from the sample quotes we’ve given here. On average, pet insurance in Hawaii ranges between $19 and $86 per month for dogs and $12 and $39 per month for cats.

Pet insurance costs are determined by multiple factors, such as:

  • Discounts: Savvy shoppers can find discounts to save on pet insurance premiums. Providers such as Prudent Pet and Embrace offer multi-pet discounts for insuring more than one fluffy family member. Fetch offers a 10% discount for furry friends adopted from rescues or shelters.
  • Customization: Adjusting your coverage cap, deductible amount, and reimbursement rate can raise or lower your premium. A plan with a $300 deductible, $15,000 coverage cap, and 90% reimbursement rate for a mixed-breed 4-year-old dog from Fetch costs $79.87 per month. When you lower the reimbursement rate to 80% and coverage cap to $5,000 and raise the deductible to $500, that price drops down to $51.41 per month.
  • Breed: Larger dogs such as Labrador Retrievers and Great Danes are more expensive to insure since they have a high likelihood of health problems like heart and liver disease and hip dysplasia.
  • Species: Regardless of states or providers, pet insurance for dogs is more expensive than pet insurance for cats due to the frequency of dogs developing hereditary or chronic health conditions. This is particularly common with older dogs, which is why premiums can be higher for animals more than 6 years old.

Frequently Asked Questions About Pet Insurance in HI

Do all veterinarians take pet insurance in Hawaii?

Your pet insurance provider will typically reimburse vet bills from any licensed veterinarian operating in the U.S.—most companies will not honor emergencies and illnesses treated outside of the United States.

Is pet insurance in Hawaii worth it?

In our research, we surveyed 1,000 pet parents to find out how they’d pay for an emergency vet bill. Nearly 40% of respondents would need to rely on a credit card, and another 9% admitted they didn’t know how they could afford it at all.

When your pet is sick, you want to focus on its health and not your financial situation. Purchasing insurance for your pet can offer you peace of mind as a barrier against using a credit card or scrambling to make ends meet.

Does pet insurance cover pre-existing health conditions?

Pet insurance does not cover pre-existing health conditions or their treatments.


Our Conclusion

Spot is our overall pick for pet parents in Hawaii, with highly customizable plans and affordable rates.

For shoppers looking for unlimited coverage, Healthy Paws may be an excellent answer for pet insurance.

Embrace is an ideal option for those seeking to customize their policies and choose from flexible deductible amounts.

If accident coverage is all you need, Pawp can be your low-cost answer to an emergency fund.


Compare The Best Pet Insurance Providers in Hawaii

We ultimately recommend getting quotes from at least three different pet insurance providers to compare coverage and pricing in your area.

Compare Hawaii’s Best Pet Insurance Companies

Provider Sample premium* Plans and add-ons Waiting periods for accidents Waiting periods for illnesses
Provider Sample premium* Plans and add-ons Waiting periods for accidents Waiting periods for illnesses
Spot $42.98 4 14 14
Embrace $33.87 2 2 $14.00
Fetch by The Dodo $51.41 1 15 $15.00
ASPCA $42.98 5 5 $14.00
Healthy Paws $50.66 1 15 $15.00
Prudent Pet $44.30 5 5 $14.00
Figo $34.84 4 14 $14.00

*Based on sample quotes for a mixed 4-year-old dog in Honolulu, Hawaii with a 96815 zip code.


Our Rating Methodology

The This Old House Reviews Team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.