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5 Best Hawaii Pet Insurance for Dogs & Cats (2022 Reviews)

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Many pet owners realize that emergencies can happen at any time, so they buy pet insurance to protect their dogs and cats. While urgent veterinary care can be pricey, insurance can help alleviate much of the financial burden during those emotionally challenging and stressful times. We are happy to share with you the top 5 pet insurance providers for Hawaii residents, which can help give your dog or cat access to the best care and treatments possible.

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Doggy enjoying the waves!

5 Top Dog & Cat Insurance Companies Compared for Hawaii

  • 1. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo is well-known among pet parents for super-fast reimbursements via direct deposit, PayPal, and Venmo. They also offer multiple pets discounts and discounts for renewals without claims from the previous year. However, one of the best perks about Wagmo is that they will reimburse up to 100% of veterinary costs for the year once you meet your deductible. A bonus is that pet parents have the freedom to choose any licensed veterinarian for their pets’ care.

    Keep in mind: Wagmo’s maximum lifetime benefit limit is $100,000. After this threshold has been reached, your pet will no longer be eligible for coverage.

    Good for: Pet parents who prefer a blend of wellness and emergency care coverage. 

    Average price for DOGS in Hawaii: $43.33/month 

    Average price for CATS in Hawaii: $26.27/month 

  • 2. Figo

    (Best for cats)

    Why it’s great: Figo is the best insurance company for cats, offering the lowest monthly premiums for felines out there. That said, they also provide coverage for canine companions. One feature Hawaii pet parents will love is the 24/7 access to live veterinary support via Figo’s mobile app. There are several wellness package add-ons to choose from, including one that covers up to $250 of prescription food. All of their insurance policies have unlimited lifetime benefits, so you will never have to worry about your pet losing coverage.

    Keep in mind: Figo does not cover pre-existing conditions.

    Good for: Cat parents and pet owners who seek 24/7 veterinary support. 

    Average price for DOGS in Hawaii: $38.92/month 

    Average price for CATS in Hawaii: $19.64/month 

  • 3. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp offers an emergency fund that protects as many as 6 pets within a household, regardless of age, breed or pre-existing conditions, for a flat monthly fee of $24. Pet parents also get 24/7 telehealth services and consultations with pet experts as part of the package. Moreover, there are no copays, deductibles or credit checks with Pawp, and they guarantee that you leave the vet’s clinic with your bill paid, freeing pet parents of the typical claims process.

    Keep in mind: Pawp only covers qualified emergencies as determined by their virtual vet team. The emergency fund covers only one of your pets for a single veterinary bill each year that is under $3,000.

    Good for: Older pets and those with pre-existing conditions. An excellent supplement to a conventional pet insurance policy. 

    Price: $24/ month 

  • 4. Embrace

    (Best established brand)

    Why it’s great: Embrace is popular amongst pet parents for their diminishing deductibles, which means your deductible will drop each year by $50 if you have no reimbursed claims in the previous year. They also provide their customers with unlimited lifetime benefits and multiple-pet discounts. The most notable aspect of their offerings is their wellness plan, which extends coverage to alternative treatments, including reiki, chiropractic, massage therapy and acupuncture.

    Keep in mind: The wellness plan has a maximum combined claims total of $650 per year, equating to approximately $25 in savings. No refunds are given at the end of the year for unused wellness plan funds.

    Good for: Pet parents who value new age and alternative veterinary care for their cats and dogs. 

    Average price for DOGS in Hawaii: $42.30/month 

    Average price for CATS in Hawaii: $24.70/month 

  • 5. Eusoh

    (Best pet healthshare community)

    Why it’s great: Eusoh is not a pet insurance company. Alternative to conventional pet insurance policies, offer community health sharing plans that allow members to save more than 50% on veterinary fees. Pet parents are reimbursed for preventative, accident and illness-related care. Other benefits include televet services via their partner FirstVet and the ability to choose the best vet for your cat or dog.

    Keep in mind: Eusoh does not offer pet insurance. Instead, they are an expense-sharing community. The annual maximum benefit is capped at $8,500, and their highest reimbursement rate is 80%.

    Good for: Pet parents that prefer healthshare communities. 

    Average price for DOGS in Hawaii: $62.58/month 

    Average price for CATS in Hawaii: $40.94/month 

Best Overall

Wagmo is our overall top recommendation. It’s the most comprehensive pet insurance provider in Hawaii and they also offer the best value.

Average price for DOGS in Hawaii: $43.33/month 

Average price for CATS in Hawaii: $26.27/month 

FAQs About Pet Insurance in Hawaii

  • 1. What does pet insurance typically cover for cats and dogs?

    Coverage differs between providers, but in general, accidents or illnesses that are catastrophic and sudden will be covered. Your coverage will probably extend to emergency-related care such as tests, exams, other diagnostic procedures, medications and surgery.

  • 2. How much does pet insurance cost in Hawaii?

    Pet insurance in Hawaii costs anywhere from $17.78 to $53.66 per month for dogs (based on prices for a healthy 2-year-old located in the 96805 zip code). And anywhere from $16.61 to $20.73 per month for cats (based on prices for a healthy 2-year-old located in the 96805 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Wagmo who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    Pet insurance companies usually allow for policy cancellation at any time. Some may require that it be done in writing, so check directly with your provider for the necessary steps. Keep in mind that any illnesses or ailments that your pet is diagnosed with before you cancel your policy may be listed as a pre-existing condition and excluded from coverage should you wish to purchase insurance again in the future.

  • 4. Do Hawaii pet insurance companies cover spaying and neutering?

    Hawaii pet insurance companies do not include spaying and neutering in their standard policies. However, some providers, such as Embrace , have wellness package add-ons to cover these procedures.

  • 5. Does the cost of insurance increase as my pet ages?

    Monthly premiums increase with your pet’s age, especially once they reach 4 or 5 years old. Insurance companies do this to offset the increased risk that your pet may develop a health condition or have an accident as they get older.

  • 6. Which companies cover pre-existing conditions?

    Pawp ranks the best among pet insurance companies for covering emergencies related to pre-existing conditions, and Embrace covers some curable pre-existing conditions. Check with these providers for further details before you apply for a policy. Be aware that most companies do not cover pre-existing conditions at all. Do not worry, though. If your pet has a pre-existing condition, they will still be eligible for coverage.

  • 7. Is pet insurance worth it in Hawaii?

    Hawaii has some of the highest veterinary fees in the country, which is a major reason for buying pet insurance. Also, most pets experience medical emergencies at some point in their lives, and urgent care fees tend to be even higher. For example, cancer treatments can cost as much as $10,000, and hip replacement surgery $7,000. Pet insurance can help ease the financial burden, so your pet can receive the care they need and deserve.


We hope this article has simplified your search for the best Hawaii pet insurance. We encourage you to take the time to review all of the companies’ benefits and guidelines before applying for a policy. Ultimately, buying the right pet insurance policy will give your cat or dog the protection they need to live long, healthy and happy lives.

In our experience, after careful review, we’ve consistently seen Wagmo has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 96805 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500