Best Pet Insurance in Hawaii (2025)

If you’re a pet owner in the Aloha State, pet insurance is worth exploring. With a policy, you can offset some of the costs of vet bills for various accidents and injuries. 

On average, Hawaii residents pay $46 per month to insure their dogs and $27 for their cats, according to data from Fletch, Insurify’s pet insurance partner. This is slightly more expensive than the national monthly averages of $42 for dogs and $23 for cats.

Here’s what you should know about comparing pet insurance quotes so you can zero in on the right coverage for your furry friend.

Best pet insurance companies in Hawaii

Fortunately, a number of pet insurers serve pet parents in Hawaii. But Spot, Embrace, and Paw Protect are three of the best pet insurance companies. Here’s a glance at what each insurer offers:

Spot: Best for customizable coverage

• Sample monthly quote for dogs: $26

• Sample monthly quote for cats: $14

• Plans available: Accident and illness, accident only, wellness coverage

Spot pet insurance makes it easy to customize a pet insurance policy for your financial situation, needs, and preferences. You can choose from multiple deductible and yearly reimbursement options. Other perks include a 10% discount if you insure multiple pets and 24/7 telehealth line, which may come in handy during emergency situations.

Embrace: Best for low deductibles

• Sample monthly quote for dogs: $42

• Sample monthly quote for cats: $29

• Plans available: Accident and illness, accident only, Wellness Rewards

Embrace offers deductible options ranging from $100 to $1,000. It also offers multi-pet and military discounts. Embrace also has a 24/7 pet telehealth line and may pay your vet directly for large claims so you don’t have to wait to get reimbursed.

Paw Protect: Best for wellness coverage 

• Sample monthly quote for dogs: $43

• Sample monthly quote for cats: $30

• Plans available: Accident and illness, accident only, Wellness Rewards

Paw Protect’s Wellness Rewards is an optional plan you can add to your standard coverage. It’s available in three reimbursement levels — $250, $450, and $650 — and helps pay for a long list of routine services. It covers nutritional supplements, prescription diet food, grooming, microchipping, acupuncture, massage therapy, vaccinations, and more. 

Paw Protect also offers an interest-free credit line of up to $2,000, so you don’t have to pay veterinarians up front and wait for reimbursement.

Cost of pet insurance in Hawaii

Pet owners in Hawaii pay an average of $46 per month for dog insurance and $27 per month for cat insurance, according to data from Fletch, Insurify’s pet insurance partner. These rates are slightly higher than pet insurance costs in other states like Florida, Illinois, and North Carolina. 

They’re also more expensive than the national average, which is $42 per month for dogs and $23 per month for cats for accident and illness policies, according to data from the North American Pet Health Insurance Association (NAPHIA).

Why pet insurance is important if you live in Hawaii

Here’s why pet insurance can be worth it if you’re a pet owner in Hawaii:

• High cost of living: Compared to other states, Hawaii is expensive. That means the cost of vet visits can add up quickly and take a toll on your budget. Pet insurance can protect you financially from unexpected vet bills.

• Pet-transmitted diseases: The Hawaii State Department of Health recommends you take your pet to the vet to protect against animal-transmitted diseases, such as rabies, cat scratch disease, and ringworm.2

Hawaii pet regulations and laws

Hawaii is the only rabies-free state, meaning animals that enter it are required to pass the OIE-FAVN rabies test and complete a quarantine to make sure they don’t transmit the disease.3 Other pet regulations and laws in various parts of the Aloha State include:

• Honolulu: The island of Honolulu requires microchipping for cats 4 months and older and dogs 3 months and older. It also mandates that dogs are tied to a leash in all public areas, including the ocean and beach (with the exception of off-leash dog parks).

• Hawaii County: In Hawaii County, dogs must receive a license and wear a leash in public places. In addition, the county doesn’t allow dogs on county beaches.4

• Maui County: Per Maui County laws, all dogs older than 4 months must have a license.

Types of pet insurance coverage

Three different types of pet insurance products are available: accident and illness, accident only, and wellness coverage. Accident and illness tends to be the most popular and most comprehensive, but it also costs more. Here’s a look at what each plan entails.

Accident and illness plan

An accident and illness plan covers care related to a variety of accidents and illnesses. These plans will typically reimburse you for the following:

An accident and illness policy usually won’t pay for pre-existing conditions, dental exams, and routine care services like vaccinations or spay/neuter surgeries.

Accident-only plan

An accident-only plan limits coverage to unexpected accidents, such as broken bounds or bite wounds. You can expect it to cover:

• Accidental injuries

• Broken bones

• Car accidents 

• Cuts and wounds

• Ingesting foreign objects

• Poisoning 

This plan is limited, in that it won’t usually reimburse you for these conditions and events:

• Allergies

• Breed-specific conditions

• Diabetes

• Cancer and other illnesses

• Congenital conditions

• Infectious diseases

• Pre-existing conditions

Wellness plan

A wellness plan is designed to cover preventative care services, including:

• Blood and urine testing

• Dental exams

• Microchipping

• Spay/neuter procedures

• Vaccinations

• Wellness exams

Since insurance companies often sell wellness plans as an add-on to an accident-only or accident and illness plan, these plans won’t cover accidents, illnesses, or pre-existing conditions.

How to find the best pet insurance in Hawaii

These tips can help you lock in the best pet insurance coverage in the Aloha State:

Hawaii pet insurance FAQs