Best Pet Insurance Companies in Hawaii

dog sitting on a beach in Hawaii

Your pet is a family member, so you naturally want to give it all of the benefits and treatment that the other family members get.

Ideally, this should include insurance to help pay for medical treatments and even preventative care.

dog sitting on a beach in HawaiiHaving the right pet insurance in Hawaii, or indeed any other state enables you to avoid the worries of unexpected veterinary bills.

The costs of pet ownership and pet insurance in Hawaii are rising. Location makes a huge difference in the premiums you pay, and Hawaii is the third most expensive state according to Petplan data.

We have evaluated more than 30 companies based on their coverage, costs, claims process, and customer experience.

Here are the five best pet insurance companies in Hawaii for 2019—companies that you can trust, with great coverage for your pet.

5 Best Pet Insurance Companies in Hawaii

Allstate Pet Insurance

Monthly Costs Minimum monthly premium for dogs – $13.04, for cats – $8.98
Coverage 65 to 90 percent
Payout Limits $15,000 annually
Deductible Annual, ranges from $100 to $1,000

allstate pet insurance logoAllstate offers competitive pet insurance in Hawaii, providing its basic policy at a rate lower than the average monthly national cost of $44.66 for dogs and $27.93 for cats.

Allstate’s reimbursement rate can range between 65 to 90 percent, allowing consumers to customize their policy, from a budget-friendly plan to one with maximum coverage.

Diagnostic testing, surgery, hospitalization, prescription medications, emergency care, specialty care, alternative care, behavioral therapy, and prosthetics and mobility aids can all be covered.

The age limit range between six weeks and 14 years is typical of the industry. Allstate holds a Better Business Bureau (BBB) rating of A+, with 20 complaints levied against it in the past 12 months.

Healthy Paws Pet Insurance

Monthly Costs Minimum monthly premium for dogs – $32.85, for cats – $17.19
Coverage 70 to 90 percent
Payout Limits Unlimited
Deductible Ranges from $100 to $500 annually

healthy paws pet insurance logo

View Rates With Healthy Paws

Healthy Paws is a top-rated pet insurance company in Hawaii with competitive minimum monthly premiums for both dogs and cats compared to average monthly costs nationally.

Depending on the pet owner’s preference, Healthy Paws may reimburse between 70 to 90 percent of expenses. Medical plans include diagnostic testing, prescription medications, alternative care, and specialty care. Owners get unrestricted access to the vets of their choice.

There is an age limit range between eight weeks and 14 years, and there’s a 15-day waiting period for coverage. Healthy Paws shows 48 complaints for the past three years, all of which have been addressed, and holds a BBB rating of A+, making it a strong competitor.

Petplan Pet Insurance

Monthly Costs Minimum monthly premium for dogs – $29.16, for cats – $18.19
Coverage 70 to 90 percent
Payout Limits Ranges from $2,500 to unlimited
Deductible Annual, ranges from $250 to $1,000

petplan pet insurance logo

View Rates With Petplan

Petplan is a widely respected pet insurance company in Hawaii with a competitive minimum monthly premium for both dogs and cats.

Similarly to Healthy Paws, the provider pays for 70 to 90 percent of expenses, based on the plan chosen. Its medical plan option pays for treatments for accidents and illnesses–and includes cancer, hereditary conditions, and referral visits.

With a five-day waiting period for accidents and 15 days for illness coverage, Petplan has a rather lengthy enrollment period. Petplan holds a BBB rating of A+ and has only had 18 complaints over the course of 12 months.

Petfirst Pet Insurance

Monthly Costs Minimum monthly premium for dogs – $16.95, for cats – $8.95
Coverage 70 to 90 percent
Payout Limits Annual limits $5,000, $10,000, and $20,000
Deductible Per incident, ranges from $50 to $500

petfirst pet insurance logo

View Rates With Petfirst

Petfirst is unique in its per incident deductible, which benefits pet owners whose pets are diagnosed with chronic conditions.

Its standard plan’s minimum pricing is well below national averages, and reimbursement rates are right in line with competitors. The company does not have an unlimited cap but does provide policyholders a choice of three annual limits.

For accidents, the waiting period is only 24 hours, one of the shortest in the industry. Petfirst holds a BBB rating of A+ and has had just seven complaints in the past twelve months, all of which the company has addressed.

Figo Pet Insurance

Monthly Costs Minimum monthly premium for dogs – $52.85, for cats – $28.99
Coverage 70, 80, 90, or 100 percent
Payout Limits Annual limits $5,000, $10,000, and $20,000
Deductible$ $50 to $500 annually

figo pet insurance logo

View Rates With Figo

Figo is a smaller pet insurance company in Hawaii for dogs and cats. The price is on the upper end of comparable rates.

However, the company does offer the choice of a 100 percent reimbursement plan. Its coverage options include basic medical services along with rehabilitation, prosthetics, and non-routine dental care.

There is a five-day waiting period for accidents and a 14-day waiting period for illness coverage. Owners have 90 days to file a claim and may do so via the online portal (Figo’s pet cloud). The pet cloud also allows owners to manage their premium payments and keep track of their pet’s medical records.

Hawaii has quite a few options for reliable pet insurance, and each company can fulfill various needs. Make sure to research your options so that you get the coverage that is best for your budget and your pet.

*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.