Lemonade is the best pet insurance company in Hawaii for cats and dogs, offering strong coverage options and reliable service. AKC, Pumpkin, Rainwalk and Spot are excellent alternatives in the state.
Best Pet Insurance in Hawaii
Updated: September 12, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Hawaii, with monthly rates starting at $9. It combines competitive pricing with excellent customer service.
In Hawaii, Lemonade provides the cheapest pet insurance for dogs at $52 per month, while Pumpkin has the lowest premiums for cats at $22.
Compare multiple insurance providers to find coverage that matches your pet's needs and your budget while offering reliable protection.
Best Pet Insurance Companies in Hawaii
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | 4.50 | $52 |
| AKC | 4.30 | $66 |
| Rainwalk | 4.15 | $67 |
| Pets Best | 4.05 | $63 |
| ASPCA | 3.75 | $61 |
| Figo | 3.75 | $63 |
Lemonade
Best Overall
MoneyGeek Rating
90/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$52Average Monthly Rate for Cats
$25Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Hawaii, while Lemonade and Rainwalk are top picks for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed:Affenpinscher
| Rainwalk | 4.35 | $45 |
| Pets Best | 4.35 | $28 |
| AKC | 4.3 | $56 |
| Lemonade | 4.25 | $32 |
| Spot | 3.95 | $51 |
Best Pet Insurance by Cat Breed
Our research shows AKC dominates the best pet insurance rankings for most cat breeds in Hawaii, while Rainwalk stands out as a strong alternative provider. Below, you can review which companies are best for your cat in the state.
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Breed:Abyssinian
| Rainwalk | 4.5 | $33 |
| AKC | 4.5 | $42 |
| Lemonade | 4.35 | $25 |
| Pets Best | 4.3 | $33 |
| Spot | 4.2 | $32 |
Cheapest Pet Insurance in Hawaii
In Hawaii, Lemonade offers the cheapest dog insurance at $52 per month or $626 per year. For cats, Pumpkin provides the most affordable coverage at $22 monthly or $261 annually.
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | $52 | $626 | -29% |
| ASPCA | $61 | $738 | -17% |
| Pets Best | $63 | $762 | -14% |
| Figo | $63 | $767 | -13% |
| Pumpkin | $63 | $762 | -14% |
| AKC | $66 | $785 | -11% |
| Rainwalk | $67 | $805 | -9% |
| Met Life | $71 | $848 | -4% |
| Hartville | $72 | $861 | -3% |
| Spot | $72 | $865 | -2% |
| Liberty Mutual | $79 | $945 | 7% |
| Embrace | $93 | $1,121 | 27% |
| Fetch | $106 | $1,276 | 44% |
| Nationwide | $107 | $1,281 | 45% |
Cheapest Hawaii Pet Insurance by Dog Breed
In Hawaii, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across multiple breeds, with plans starting at $17 monthly.
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Breed:Affenpinscher
| Pets Best | $28 | $340 | -50% |
| Lemonade | $32 | $383 | -43% |
| Pumpkin | $38 | $453 | -33% |
| ASPCA | $43 | $521 | -23% |
| Figo | $45 | $538 | -21% |
Cheapest Hawaii Pet Insurance by Cat Breed
In Hawaii, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable cat insurance across breeds. Rates start at $15 per month for standard coverage.
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Breed:Abyssinian
| Lemonade | $25 | $306 | -55% |
| Figo | $31 | $372 | -45% |
| Spot | $32 | $391 | -42% |
| Pets Best | $33 | $395 | -42% |
| Rainwalk | $33 | $399 | -41% |
How Much Is Pet Insurance in Hawaii?
Hawaii pet insurance costs around $91 monthly for dogs and $46 for cats. These rates run slightly higher than the national average, with dog insurance costing 1% more and cat coverage running 2% above typical U.S. rates.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $46 | $557 | 2% |
| Dog | $91 | $1,095 | 1% |
How to Get the Best Cheap Pet Insurance in Hawaii
Finding the best cheap provider and coverage plan in Hawaii can be difficult. Here's how to find the best pet insurance for your needs:
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Evaluate Your Pet's Coverage Needs First
List your pet's health needs and risks based on breed and age to avoid paying unnecessary coverage while ensuring health concerns are covered.
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Look for Available Insurance Discounts
Check if you qualify for savings through a multi-pet plan or annual payment discounts. Many insurers offer reduced rates for pets adopted from shelters or military family discounts.
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Research Insurance Provider Reputations
Check customer reviews and complaint records for pet insurance providers available in Hawaii. Focus on companies with strong track records of paying claims and providing good customer service.
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Get Multiple Insurance Quotes
Request quotes from at least three pet insurance providers using the same coverage details. This ensures you're making accurate comparisons and finding the best rates.
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Review Your Policy Annually
Set a yearly reminder to compare new quotes as pet insurance rates often increase with your pet's age. Switching providers could save you money while maintaining similar coverage.
Best Pet Insurance in Hawaii: Bottom Line
Lemonade is our top pick for pet insurance in Hawaii, while Pumpkin offers some of the most affordable coverage options. Lemonade leads for cat and dog insurance, with Pumpkin providing cost-effective alternatives for cat owners. While these providers rank highest in our research, the right choice depends on your pet's needs and budget. Compare different plans before making your decision.
Pet Insurance in Hawaii: FAQ
Here are answers to frequently asked questions about Hawaii pet insurance:
What are the best pet insurance companies in Hawaii?
Leading pet insurance providers in Hawaii include Lemonade, AKC, Pumpkin, Spot and Rainwalk, offering comprehensive coverage options for your pets.
Which company has the cheapest pet insurance in Hawaii?
Pumpkin and Lemonade provide the most affordable pet insurance rates in Hawaii. Monthly premiums start at $52 for dogs and $22 for cats.
How much is pet insurance in Hawaii?
In Hawaii, pet insurance costs around $557 annually for cats and $1,095 for dogs. Annual premiums across all pet types range from $69 to $13,499, depending on coverage selection and pet factors.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Hawaii
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Hawaii residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 18, 2025.