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Best Pet Insurance in Hawaii

Author Image Written by Brenda Woods Updated 06/26/2024

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.

We spent hours researching and comparing Hawaii’s top pet insurance providers to help readers find the best cost-effective pet insurance plan for their pets. We found that the best pet insurance provider in Hawaii is Spot for its flexible plans and affordable pricing.

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.
Why Trust Us? Our review and rating process for the best pet insurance companies
Companies Considered We carefully considered 22 companies to find the best pet insurance providers available.
Pet Owners Surveyed We surveyed 1,000 pet owners to see what they care about most when in comes to pet insurance.
Reviews Analyzed We went through 3,800 customer reviews of pet insurance companies to see what people had to say about each provider.
Policies Compared We compared 51 policies to find the best pet insurance offerings on the market.

Compare Other Pet Companies

Company Star Rating Monthly Cost for Dogs* Monthly Cost for Cats* Visit Site
$38.44 $21.53 VISIT SITE
$20.76 $18.47 VISIT SITE
$65.15 $53.43 VISIT SITE
$44.83 $24.68 VISIT SITE
$49.85 $26.55 VISIT SITE
$44.79 $16.36 VISIT SITE

Who Are the Top 7 Pet Insurance Providers in Hawaii?

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

Most Customizable Plans: Spot
Best for New Pet Owners: ASPCA
Best Deductibles: Embrace
Best Coverage Limits: Healthy Paws
Best Holistic Coverage: Fetch
Best Extra Coverage Add-On: Figo
Most Comprehensive Plan: Prudent Pet


Most Customizable Plans

Spot Pros and Cons

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

Spot Overview

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

Learn More: Spot Pet Insurance Review

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:

  1. $100
  2. $250
  3. $500
  4. $750
  5. $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.


Best for New Pet Owners

ASPCA Pros and Cons

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

ASPCA Overview

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

Learn More: ASPCA Pet Insurance Review

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.


Best Deductibles

Embrace Pros and Cons

Pros 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 Cons 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 Overview

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.

Learn MoreEmbrace Pet Insurance Review

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.

Healthy Paws

Best Coverage Limit

Healthy Paws Pros and Cons

Pros 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 Cons 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 Overview

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.

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.

Fetch Pet Insurance

Best Holistic Coverage

Fetch Pet Insurance Pros and Cons

Pros 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 Cons 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 Overview

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.

Learn MoreFetch Pet Insurance Review

Fetch Pet Insurance 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.


Best Extra Coverage Add-On

Figo Pros and Cons

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

Figo Overview

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

Learn More: Figo Pet Insurance Review

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.

Prudent Pet

Most Comprehensive Plan

Prudent Pet Pros and Cons

Pros 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 Cons 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 Overview

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.

Learn MorePrudent Pet Pet Insurance Review

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.

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:


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.


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.


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.


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.

Is Pet Insurance in Hawaii Worth it?

Yes, in most cases, we’ve found that pet insurance is worth it in Hawaii due to the added security and peace of mind. Spot is our overall pick for pet parents in Hawaii, with highly customizable plans and affordable pet insurance 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.

FAQs About Pet Insurance in Hawaii

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 Rating Methodology

We are 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.

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