Pet Insurance in Hawaii: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Keeping your pet insured with the best pet insurance in Hawaii can save you thousands of dollars every year. Additionally, you can feel comforted knowing your pets are covered in the event of a medical crisis. Some insurance plans also contain aspects like immunizations and parasite control as preventative care.

We analyzed data from pet insurance companies in Hawaii that serve large cities, including Honolulu, Pearl City and East Honolulu for our research. Our analysis can help you choose the best policy for your pet and your wallet.

MoneyGeek reviewed thousands of estimates from Hawaii’s pet insurance companies, along with policy and coverage details, to find the best pet insurance companies in the state. Affordability and product selection were the primary factors we used in our research.

The cost of pet insurance varies with several factors, including the breed, age, and health history of your pet, as well as the owner's location. Make sure to compare prices from different providers to find the best, most affordable pet insurance policy.

In Hawaii, pet insurance costs vary according to the age and breed of your pet, along with your location and coverage level. Dog insurance in the state costs an average of $27.17 per month for coverage up to $5,000, $52.83 per month for coverage up to $10,000 and $57.17 per month for unlimited coverage. Cats are typically less expensive to insure, averaging $14.72 per month for $5,000 in coverage, $26.23 for $10,000 in coverage and $37.76 for unlimited coverage.

Additionally, factors such as the age of your pet, the deductible amount and any additional benefits or coverages may affect pet insurance premiums. Before you make a decision, shop around for pet insurance quotes in Hawaii from multiple companies, as each insurer assesses these criteria differently.

MoneyGeek wants to help Hawaii's pet owners understand available alternatives for pet insurance policies. Variables among different plans are:

• Annual Reimbursement Limit: Ranges from $3,000 to unlimited
• Deductible: Ranges from $250 to $500, but some companies have higher or lower options
• Bill Reimbursement Percentage: 70-90%

If you're on a tight budget or believe you don't need as much insurance coverage, you may benefit from cheaper policies with lower coverage limits. Other pet owners in Hawaii may require insurance with higher coverage limits to ensure their pet receives sufficient coverage.

Higher-limit policies are frequently more expensive, but most pet owners may not need unlimited insurance. These policies provide the highest level of protection for your pet. MoneyGeek recommends the average coverage amount stated below for Hawaii’s pet insurance shoppers.

To save money on pet insurance, look for plans with lower annual maximums, higher deductibles and lower reimbursement percentages. The following table compares Hawaii's pet insurance policies with a $5,000 maximum coverage, $500 deductible and an 80% reimbursement rate.

Aside from your pet's age and breed, the cost of pet insurance in Hawaii also varies with location, as treatment expenses are higher in some areas. Honolulu, for example, has a higher cost of living, which leads to higher veterinary medical expenses and insurance premiums.

Some areas in Hawaii have a higher risk of accidents due to weather, traffic or other such conditions, which raises pet insurance rates in those areas. Additionally, the coverage amount will affect your monthly pet insurance premiums. As a result, the cheapest pet insurance in Hawaii by city varies among several different factors.

Your location, chosen coverage level and your pet's breed and age affect pet insurance costs in Hawaii. It is possible to customize insurance to your pet's unique requirements.

Data helps us make better financial decisions. For pet insurance, MoneyGeek's data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure that you find the most affordable policy to meet your pets' needs.

To determine the best pet insurance companies in Hawaii, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we set affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Hawaii and determine our affordability scores for our best rankings, MoneyGeek gathered quotes from companies across many areas in Hawaii for four pet types at the following coverage levels:

• Low Coverage: $5,000 coverage, $500 deductible, 80% reimbursement
• Average Coverage: $10,000 coverage, $250 deductible, 80% reimbursement
• High Coverage: Unlimited coverage, $250 deductible, 90% reimbursement