Best Pet Insurance Companies In Hawaii For 2024

Our pet insurance professionals got quotes from18 pet insurance carriers to see which one provided the best coverage overall for several scenarios. We found that of those pet insurance carriers in Hawaii, Lemonade Pet Insurance emerged as the front runner.

Lemonade scored high marks for affordable rates, as well as the best all around coverage.  While Lemonade Pet Insurance was Number One in our findings, there are other companies that also had high rankings in their respective categories.

In this guide, we’ll look at a few of the high ranking pet insurance carriers in Hawaii, and how various factors can affect rates.

Average Cost Of Pet Insurance In Hawaii

Average Cost In Hawaii — By Cat Breed

Average Cost In Hawaii — By Dog Breed

Average Cost In Hawaii — Accidental-Only Coverage

Average Cost In Hawaii — Comprehensive Coverage

How To Find The Best Pet Insurance Company For You

Purchasing pet insurance is much like purchasing insurance for yourself. Comparing rates is important, of course. However, before reaching that point in the process, familiarize yourself with the components that are the most important when it comes to pet insurance coverage.

Almost all pet insurance companies provide pet insurance coverage that only pays benefits for accidents, not illnesses or other health conditions. Some pet insurance carriers offer accident and forgiveness plans. Both of these insurance plans have benefits, and either one could be the best choice for you and your pet.

Younger pets, for example, are probably not going to develop age related illnesses like those seen more often in older pets. For those young pets, an accident only plan would probably be the best selection. If your pet is considered to be at high risk for particular health problems, it might prove beneficial to choose a comprehensive plan instead of accident only.

One thing you might make note of is the duration of the waiting period before insurance benefits kick in and start paying. Pet insurance companies have varying lengths of waiting periods for illnesses or accidents. It’s best to know what a carrier’s waiting period is before sealing the deal and purchasing a policy from them.

Largest Pet Insurance Companies In The United States

How To Buy Pet Insurance Online In Hawaii

If you’d rather research and buy pet insurance from the comfort of your home or office, you will be glad to hear that the internet turns this task into a quick and easy endeavor. Online platforms like Insuranceopedia are chock full of information and data regarding pet insurance. There are steps you can do ahead of time, also, to streamline the process. You can even submit an application for coverage online with most pet insurance companies..

Below are four important steps you’ll want to take during the pet insurance buying process:

• Step 1: Get all of the important information together before starting your research into pet insurance carriers. For instance: the pet’s type, (i.e. cat or dog) the pet’s breed, the pet’s age, the pet’s medical history, along with all other documentation pertaining to the pet’s lineage, if any
• Step 2: Use your handy online calculator to determine how much coverage is best for you and your pet. Do the same thing for the deductible amount
• Step 3: Do a quote comparison between at least three pet insurance companies
• Step 4: Narrow these three choices by weeding out two. Then submit your application, purchase a policy, and let your vet know about your new pet insurance

Pet Insurance Discounts In Hawaii

Pet insurance coverage, like other kinds of insurance, can be higher priced depending on where you live. One savvy way to lower the costs of premiums is to use discounts that a pet insurance company may offer. Different pet insurance carriers can offer different discounts,  making it pay to look around before finalizing a purchase. It might help you save some money to check out these options below:

• Animal care employee discounts
• Multi-policy discount
• Wholesale and special interest clubs discounts
• Online policy discounts
• Active and retired military discounts
• Special service animal discounts
• Employer sponsored discounts
• Multi-pet discount
• Employee union discounts
• Senior discounts

Things That Have An Impact On The Cost Of A Pet Insurance Policy In Hawaii

Numerous pet owners think that pet insurance rates are based on one or two points. But the truth is that there are several factors that go into determining rates for pet coverage. Here are some of those price components:

• Age
• Insurance Type
• Breed
• Animal Type
• Insurance Type
• Location

Animal Type

When you’ve done the proper amount of research and are ready to make a purchase from the pet insurance carrier of your choice, keep in mind that the type of pet you own is going to play a big part in the cost of premiums. On average, dog owners will pay 2-3 times higher premiums than cat owners. This is largely because dogs usually spend more time outside than cats, where they’re at a higher risk of accidents or sickness.

Age

The age of your pet is a component when it comes to quotes from various pet insurance carriers. Some pet insurance companies will keep their premiums affordable no matter how old your pet may be, while others won’t approve your application for coverage if your pet is considered by them to be too old. If you’re the owner of a senior pet, take time to shop around for insurance that offers good coverage for older pets.

Breed

Your pet’s breed is an important point in the cost of pet health insurance. While there often isn’t a big difference in rates for a lot of dog breeds, some breeds are deemed high risk and will come with a higher premium.

Bulldogs and boxers, for example, have a known history of sinus problems as well as issues with their skin. So with that in mind, these breeds that have a higher possibility of developing certain health problems will usually have a higher cost for insurance.

Insurance Type

Most of the time, you will have two options when you purchase pet insurance coverage: Accident only, or both accident as well as illness coverage. Both of these will provide protection for your pet along with your finances if your pet requires medical care. Remember that a comprehensive policy that covers both accident and illness will be higher than accident alone. If you’re having trouble deciding which to get, ask yourself if the price of the additional coverage will be worthwhile.

There’s no remarkable difference in the price of pet insurance from city to city, but some areas within a state might be deemed high risk because more claims are coming out of that  area.

Hawaii Pet Insurance Laws To Know

• As of January 20, 2022, Hawaii Legislature requires dogs and cats to have a microchip. Before this, dog owners were required by law to have a license for their pets. With this new law, a license is no longer needed.
• H.B. NO. THIRTIETH LEGISLATURE, 2019. relating to animal cruelty. “BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF HAWAII: The legislature finds that the continual tethering or chaining of dogs is a cruel and inhumane practice that endangers dogs as well as people.”