Best Pet Insurance in Hawaii
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.
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 | ||
N/A | N/A | VISIT SITE |
Who Are the Top 7 Pet Insurance Providers in Hawaii?
Here are our top picks for the best pet insurance in Hawaii:
How Much Does Pet Insurance Cost 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.
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 team at reviews@thisoldhousereviews.com.