Best Pet Insurance in Hawaii

Spot is our top choice for pet insurance because the company allows dog and cat owners to create a customized plan that best suits their budget.

• Our score: 91
• Seven options for annual payout cap and five for deductibles
• Accident-only, accident and illness, and wellness packages available

Learn More: Spot Pet Insurance Review

Spot offers an affordable Accident-Only Plan that covers veterinary costs related to common injuries like broken bones, sprains, and bites, as well as toxic ingestions and difficulties related to swallowed objects.

For more comprehensive coverage, you can opt for Spot’s Accident and Illness Plan, which includes all items in the Accident-Only Plan along with testing and treatment of diseases and conditions such as cancer, heart disease, and diabetes. The plan also provides reimbursement for the treatment of behavioral issues.

Either plan comes with annual coverage limit options that range from $2,500 to unlimited. You can select a reimbursement rate of 70%, 80%, or 90%. Customers can also customize their deductible to lower their premiums. The higher the deductible, the lower your monthly bill will be.

Spot offers five deductible amounts:

1. $100
2. $250
3. $500
4. $750
5. $1,000

Spot has two wellness packages, both of which cover routine care like dental cleanings, annual check-ups, and some vaccinations. The plans differ in the annual payout limits. Spot’s Gold plan is an additional $9.95 a month and includes a payout cap of $250. At a cost of $24.95 per month, the Platinum preventive plan comes with an annual reimbursement limit of $450.

ASPCA made our list of best pet insurance companies because of its focus on supporting new dog and cat owners through its online resources, mobile app, and coverage of microchip implantation.

ASPCA’s website includes a variety of helpful articles related to pet ownership, including information on specific breeds. The company’s app allows you to easily search for a veterinarian in your area and pay your monthly premiums.

• Our score: 89
• Vet exam fees covered under standard plans
• Coverage of preexisting conditions after six months
• Five choices for annual reimbursement caps

Learn More: ASPCA Pet Insurance Review

ASPCA has one plan covering accidents and another that includes accidents and illnesses. Accident-only coverage extends to exam fees and treatment for a variety of injuries such as cuts, bite wounds, and broken bones. The Complete Coverage Plan covers everything in ASPCA’s Accident-Only Plan as well as chronic and hereditary conditions, cancer, and hip dysplasia.

Preventive care is available through ASPCA’s Basic and Prime plans. The Basic Plan provides reimbursement for routine wellness care, including some vaccines and a fecal test. The Prime Plan extends the Basic Plan to also include spaying and neutering and flea and heartworm prevention. Basic preventive coverage costs $9.95 per month and has an annual reimbursement limit of $250, while the Prime Plan is $24.95 extra per month and has an annual coverage cap of $450.

For Hawaiian pet parents looking to customize their policy prices, including coverage caps and deductibles, Embrace may be the best choice available.

• Our score: 93.5
• Offers five total options for customizing deductibles: $200, $300, $500, $750, and $1,000
• Exam fees are included in the standard accident and illness plan
• Mobile app offers on-the-go options for managing your policy and filing claims

Unfortunately, Embrace does not give an option for unlimited coverage, leading some pet owners who expect high veterinary bills in the future to opt for another provider.

Learn More: Embrace Pet Insurance Review

Embrace offers accident and illness coverage for items such as cancer diagnostics and treatments, genetic conditions such as hip dysplasia, dental trauma, chronic conditions, prescriptions drugs, lab tests, surgery, physical therapy, CT scans, X-rays, ultrasounds, and MRIs.

The optional Wellness Rewards add-on comes at three price points and can reimburse pet owners for costs associated with routine and preventive care such as routine vet visits, chiropractic care, fecal and blood tests, spaying and neutering, vaccinations, anal gland expression, microchipping, and more.

Embrace plans exclude preexisting conditions, breeding, whelping, pregnancy, stem cell therapy unless medically necessary, deliberate injury, cosmetic procedures, DNA testing, and cloning.

Pet owners looking to avoid out-of-pocket veterinary costs and unlimited coverage caps may find Healthy Paws to be their best provider pick.

• Our score: 93.5
• Each filled-out quote provides a donation toward veterinary care for homeless pets
• Has a unique comparison tool that will suggest other pet health insurance providers if it deems your quote unusually high
• Has 12 years of experience insuring pets, which is much longer than many competitors on this list

Owners of older pets may not prefer Healthy Paws since its deductibles for older dogs are not customizable, and pet parents looking for lower monthly premiums may want to consider another provider.

Healthy Paws offers one accident and illness plan that covers hereditary, congenital, and chronic conditions, surgery, hospitalization and emergency care, cancer, prescription medications, alternative treatments, and diagnostic tests such as X-rays, blood tests, and ultrasounds.

Preexisting conditions, office visits, exam fees, preventative or routine care, and spaying or neutering procedures are not covered under the Healthy Paws plan.

For pet owners seeking a broader range of treatment options and homeopathic treatment coverage for their pets, Fetch can be an excellent choice.

• Our score: 91.5
• Offers more comprehensive dental care than competitors, covering oral illness as well as trauma
• Covers holistic treatment options, such as stem cell therapy, chiropractic care, and homeopathic therapies
• Covers up to $1,000 of costs for vacations canceled due to a sick pet

Though Fetch does offer robust benefits, the lack of add-on choices for preventive and routine care may not be the right fit for pet parents with puppies or kittens.

Learn More: Fetch Pet Insurance Review

Fetch’s accident and illness coverage includes breed-specific conditions, diagnostic and laboratory testing, imaging such as CAT scans and ultrasounds, cancer treatments including chemotherapy, specialist treatments, behavioral therapies, prescription medications, alternative treatments, telehealth services.

Fetch will also pay for advertising and reward fees for lost pets, and boarding kennel fees if the owner is hospitalized for longer than four days and can’t take care of their pet. Cosmetic or elective procedures, and preexisting conditions are not covered under Fetch policies.

Figo is a great choice for dog and cat owners looking for perks beyond veterinary care. In addition to standard and preventive plan options, Figo’s Extra Care Pack provides related pet-care expenses like advertising for a lost animal, the cost of canceling a planned vacation due to your dog or cat’s illness or injury, and cremation expenses.

• Our score: 93
• Unlimited annual coverage cap
• One-day injury waiting period
• Diminishing deductible

Learn More: Figo Pet Insurance Review

Figo’s accident and illness coverage comes in one comprehensive plan with three annual coverage caps options: $5,000, $10,000, and unlimited. The plan includes surgeries, diagnostic testing, imaging, cancer treatments, chronic conditions, and dental issues. Figo also reimburses holistic care and behavioral issues in its standard plan.

For preventive coverage, Figo has optional wellness and routine vet exam plans. For approximately $7 more per month, the Extra Care Pack gives you up to $250 for cremation or burial costs and up to $10,000 in liability coverage for property damage, among other benefits.

Prudent Pet’s comprehensive coverage makes it an attractive choice for pet owners who want a plan that includes unlimited coverage, reimbursement for replacing a pet, lost-pet advertising fees, and other robust benefits that cover the potential pitfalls of pet ownership.

• Our score: 95
• Offers three plan options and two add-ons, which is more than what most companies provide
• Has a 10% multi-pet discount available
• Behavioral treatments prescribed by a veterinarian are covered in both the Essential and Ultimate Plans

Due to the scope of care that Prudent Pet’s Essential and Ultimate Plans provide, this may not be the most affordable option for pet parents looking for minimal coverage.

Learn More: Prudent Pet Pet Insurance Review

Prudent Pet offers three different plans at increasing levels of coverage:

• The Accident-Only Plan
• The Essential Plan
• The Ultimate Plan

Prudent Pet doesn’t cover cosmetic procedures, breeding costs, or preexisting conditions.