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: November 10, 2025
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Key Takeaways
Lemonade is the top pet insurance provider in Hawaii, with plans starting at $9 a month. It combines affordable pricing with great customer service.
For dog owners, Lemonade offers the lowest rates at $52 per month, while Pumpkin provides the cheapest cat coverage at $22.
Compare many insurers to find a plan that fits your pet’s needs and your budget while giving dependable protection.
Best Pet Insurance Companies in Hawaii
Data filtered by:
Dog
Middle Aged
$5,000
80%
$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 Points
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 ranks highest for most dog breeds in Hawaii. Lemonade and Rainwalk also lead for certain breeds. The list below shows which companies offer the best options for your dog in the state.
Data filtered by:
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 found that AKC ranks highest for most cat breeds in Hawaii, while Rainwalk is a strong alternative. Check this list to see the top companies offering cat insurance in the state.
Data filtered by:
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:
Dog
Middle Aged
$5,000
80%
$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.
Data filtered by:
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.
Data filtered by:
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.
Data filtered by:
$5,000
$500
80%
| Cat | $46 | $557 | 2% |
| Dog | $91 | $1,095 | 1% |
How to Get the Best Cheap Pet Insurance in Hawaii
It can take some time to find affordable pet insurance in Hawaii. These tips will help you choose the right plan for your pet:
- 1Evaluate Your Pet's Coverage Needs First
List your pet’s health needs and risks based on their breed and age. This helps you pick the right type of coverage for their situation.
- 2Look for Available Insurance Discounts
See if you qualify for savings through multi-pet plans or annual payment discounts. Some insurers also offer lower rates for adopted pets or military families.
- 3Research Insurance Provider Reputations
Read customer reviews and complaint records for pet insurance companies in Hawaii. Choose one with a solid history of paying claims and providing dependable support.
- 4Get Multiple Insurance Quotes
Get quotes from at least three providers using the same coverage details. Compare them side by side to choose the plan that offers the best value.
- 5Review Your Policy Annually
Pet insurance costs often rise as your pet gets older. Review your policy yearly and compare quotes again. Switching providers could help you save while keeping similar coverage.
Best Pet Insurance in Hawaii: Bottom Line
Lemonade is the top pet insurance provider in Hawaii. Pumpkin also offers some of the most affordable plans. Lemonade performs best for both cats and dogs, while Pumpkin is a strong choice for cat owners on a budget. The right plan depends on your pet’s needs and what you can afford, so compare a few options before choosing.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed November 18, 2025.