Pet Insurance in Hawaii | Best Companies & Rates
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Rachael Brennan
Licensed Insurance Agent
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...
Licensed Insurance Agent
UPDATED: Jul 5, 2022
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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.
Having the right pet insurance in Hawaii, or indeed any other state enables you to avoid the worries of unexpected veterinary bills.
Pet Insurance in Hawaii
We have evaluated more than 30 pet insurance companies based on their coverage, costs, claims process, and customer experience.
Here are the five best pet insurance companies in Hawaii for 2020, companies that you can trust, with great coverage for your pet:
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 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 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 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.
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’s pet insurance 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.
Allstate 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.
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.
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Find The Best Pet Insurance in Hawaii
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.
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.