Posted on: February 15, 2022 Posted by: Petsynse Comments: 0

Known for its breathtaking beaches, surfing, and volcanos (among many other things), Hawaii is a stunning state to explore with your dog. But that doesn’t make your pup immune to accidents and illnesses.

Purchasing a pet insurance policy for your dog can provide peace of mind when disaster strikes. Learn more about your fellow Hawaiian’s love of dogs and find the best pet insurance company for you.

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Company Pets Best Figo Healthy Paws Embrace Lemonade
Policy Coverage Comprehensive Comprehensive More Limited Comprehensive More Limited
Customer Service & Reputation Good Excellent, Stable Excellent, Stable Excellent, Stable Uncertain, New
Claim Processing (avg) 25-40 Days 3 Days 2 Days 5 Days 2 Days
Price Of Policy (avg) Lower Lower Varies Higher Lower
Plan Customizations Many Options Many Options Restricted Options Many Options Many Options
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Article Overview


Most Popular Dog Breeds In Hawaii

French BulldogA dog’s breed is one of the determining factors for your pet insurance policy cost. Below is a ranking of the three most popular dog breeds in Hawaii.

  1. French Bulldog
  2. Labrador Retriever
  3. Rottweiler

How Much Does Pet Insurance Cost In Hawaii?

Cartoon of veterinarian petting dog next to piggy bank (Caption: Start Saving Money On Vet Bills, Compare Pet Insurance Rates In Minutes; Button Text: Get My Quotes)Pet insurance pricing is based on your pet’s details (e.g., age, breed, location, etc.). According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. in 2020 was $49.51 ($28.48 for cats).

Since prices vary based on where you live as well as your pet’s characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form and get estimates from top pet insurance providers. This allows you to see how companies compare price-wise. With most companies, you can also adjust your monthly premium by lowering the deductible, reimbursement percentage, and annual payout to make it better fit your budget.

Once you have your customized price quotes, you may wonder how coverage varies among the different companies. Our pet insurance comparison includes multiple comparison charts to help you see key differences between coverage, waiting periods, age limitations, and more.

Which Cities In Hawaii Are Pet-Friendly?

Young blonde woman in black dress with red hibiscus flower with husky dog at sunny weather (Caption: Pet Insurance Hawaii)Honolulu is the only Hawaiian city among the 100 largest U.S. cities that ranks for pet-friendliness.

Honolulu, HI, ranks as follows in terms of pet-friendliness:

  • 84th for Pet Budget*
  • 99th for Pet Health & Wellness**
  • 28th for Outdoor Pet-Friendliness***
  • 99th for Overall Pet-Friendliness
  • 87th for Highest Veterinary-Care Costs

*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit, and dog insurance premiums.

**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, share of pet-friendly hotels, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita, and strength of animal protection laws.

***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, parkland as a share of the city area, walk score, dog-friendly trails per capita, and dog shows per capita. 

Pet Insurance Claim: Cost And Reimbursement From Hawaii Customer

Below is a real-life pet insurance claim from a Healthy Paws customer in Hawaii.

  • Location: Kailua, HI
  • Condition: TPLO (Tibial Plateau Leveling Osteotomy)
  • Total Vet Cost: $5,200
  • 90% Reimbursement: $4,600
  • Amount Customer Paid: $600

Should I Get Pet Insurance?

Pet insurance can provide you with a sense of security during dark times. One minute, you’re swimming in the ocean with your dog, and the next, she’s coming out of the water limping. Your dog’s health status can change quickly, which means the balance in your bank account is susceptible to change as well, as you deal with a pet emergency. Learn more about why pet insurance is worth considering.