Things to Consider Before Choosing Pet Insurance in Hawaii
- The type of coverage you need: Some pet insurance plans only cover accidental injuries, while others also cover illnesses. You will need to decide what type of coverage is right for you and your pet.
- The cost of the plan: Pet insurance can be expensive, so it is important to find a plan that fits your budget.
- The deductible and reimbursement rate: The deductible is the amount of money you will have to pay out of pocket before your insurance kicks in. The reimbursement rate is the percentage of the vet bill that your insurance will cover.
- The waiting period: Some pet insurance companies have a waiting period before they will cover certain conditions. This is usually around 14 days.
- The policy limits: The policy limits are the maximum amount of money your insurance will pay out for a single claim or over the lifetime of your pet.
Introduction
Aloha! Welcome to the land of gorgeous beaches, luaus, and around 60% of all pet parents in the US! Pets such as dogs, cats, hamsters, and a variety of other animals are much more than just furry housemates – they are a significant part of ohana’s culture and tradition!
Did you know that Hawaii is one of the best locations in the world to have a pet? Whilst this is a fact, to ensure that your pet is enjoying its Hawaiian lifestyle the healthy way, applying for suitable pet insurance is an essential step to take.
And, to comply with county regulations, all dogs that are 4 months old or older must wear an identity tag issued by the city and county of Honolulu. You may get a license and a tag at the Hawaiian Humane Society location near you, or the Satellite City Hall. However, regrettably, this is not enough to keep them protected.
Speaking of getting Hawaii pet insurance in case anything happens to your pet, there are various providers on the market that offer satisfying plans that can meet the needs of your pet and also keep your spending reasonable.
If you don’t know where to start, below are our top choices for the most fulfilling pet insurance policies in Hawaii in 2024.
Embrace
An excellent option for pet owners who want complete coverage for their furry friend is Embrace insurance. Everything from cancer treatment to prescription medicines, dental issues, diagnostic testing, and emergency care is covered by their plans. Immunization, titer tests, and wellness checkups are also part of its standard treatment.
Plans & Coverage
A maximum of $650 per policy year is available via the company’s three wellness incentive packages. These range in price – from $18.75 to $52.09 per month. You have a variety of possibilities here and are looking to pay from $15 to $20 a month for cats and kittens to $30 to $40 a month for dogs and puppies.
There are no exceptions for exotic animals, cosmetic procedures, pregnancy, or whelping. For every year that you don’t submit a claim, the Healthy Pet Deductible decreases by $50.
Overall, Embrace is a fantastic pick if you’re searching for a product that provides wide coverage for your pet. It aims to cover a variety of conditions, including cancer, dental problems, and prescription drugs, that are typically not covered by other pet insurance Hawaii companies.
At the same time, Embrace might be costlier than other providers, particularly when it comes to its wellness programs. Price aside, their three wellness plan choices come with generous allowances and insurance coverage, which may make the investment beneficial for certain pet owners.
Pros
- If you have a cat or dog, you’ll be covered regardless of their age.
- A broad variety of regular services are included with the wellness add-on.
- A $50 credit is given to policyholders.
Cons
- Coverage caps of only up to $30,000.
- Requires a veterinary exam from within the past 12 months.
Healthy Paws
The Chubb Group, an A+ rated insurer with over $25 billion in surplus, supports Healthy Paws pet insurance in Hawaii and across the US, too. With the help of Healthy Paws, you may get a plan for accidents and illnesses that covers everything.
Plans & Coverage
From inherited and congenital disorders to cancer, prescription meds, and diagnostic testing like X-rays and ultrasounds – their plans offer something for every pet owner. No wonder why many users consider it the best pet insurance for dogs in Hawaii in 2024.
Starting at $25 a month, dog and puppy plans range in price – from $40 to $60 a month. There is no coverage for pre-existing diseases, exam expenses, preventive care, office stops, or spaying or neutering operations under the Healthy Paws plan.
Using the Healthy Paws mobile app to file and handle claims is another perk you can make use of. Healthy Paws may be the ideal option for pet owners who don’t want to pay for veterinarian care out of their pockets and like unrestricted coverage limits.
Healthy Paws does not provide any form of the wellness plan, so if you are looking for coverage for regular treatment, you might benefit from another provider. Healthy Paws will also not cover pre-existing conditions, as would all other insurance companies. In addition, Healthy Paws does not provide pet health insurance in Hawaii for exotic animals.
Healthy Paws provides a more cheap pet insurance plan that includes coverage for both accidents and diseases, which we find to be positive. However, it does not give coverage alternatives for wellness care and does not provide an accident-only plan, as do some other insurance carriers.
It is possible that this service can meet your needs if you are seeking a charity pet insurance supplier that offers limitless maximum payments.
Pros
- Standard accident and sickness insurance have no yearly, monthly, or lifetime coverage restrictions
- Focused on pet charity
- Users won’t run out of coverage
- Fast online chat support and a designated app to use
Cons
- Most claims are processed within two days.
- Healthy Paws does not cover exotic pets.
- There are no add-on options to cover preventative or routine care fees.
ASPCA
As a top provider, ASPCA pet health insurance Hawaii was launched in 2017 by the American Society for the Prevention of Cruelty to Animals. Accident-only, accident-and-illnesses, and wellness insurance are all included in an ASPCA insurance plan.
Plans & Coverage
Dog insurance from ASPCA costs around $48.78, while cat insurance costs about $29.16. There are two ways to get preventative care from the ASPCA. It has a $9.95/month entry-level plan and a $24.95/month premium plan.
Having dental and mental health coverage is also one of the additional perks. In contrast to other providers, the company’s dental coverage is somewhat limited.
ASPCA also provides a 10% multi-pet discount for pet owners who insure a large number of pets. In addition, the ASPCA does not need pre-enrollment vet visits, which saves pet owners both time and money.
The ASPCA does not provide coverage for pre-existing conditions. Surgical procedures, breeding costs, and preventive care are all included in this budgetary allocation.
Pros
- Discounts for pet owners with several animals.
- Pre-existing illnesses that are treatable are eligible for coverage.
- Alternative treatments are covered too.
- Involved with animal welfare issues.
Cons
- Decreased yearly coverage thresholds.
Prudent Pet
Prudent Pet is a newer pet insurance provider that was first launched in 2018. Unlike some of the other pet insurance Hawaii providers, Prudent Pet does not discriminate based on your pet’s age.
Plans & Coverage
Accident-only, necessary, and ultimate policies are all available via Prudent Pet.
If you purchase a plan, you’ll have the coverage you need. But the coverage doesn’t begin until the 15th day following the policy’s effective date. Even if your policy says otherwise, any accident or illness that occurs within 14 days of the effective date of your coverage will not be paid for.
Because of this waiting period, insurance providers are always able to protect themselves against pet owners who seek to claim coverage after their pet has been hurt or ill.
For as little as $9.95/month for the Basic plan and $24.95/month for the Prime one, you can get a Prudent Pet plan that covers everything from your pet’s age and breed to a yearly cap and deductible.
The monthly premium may be altered by modifying the deductible, repayment, and advantage cap. Deductibles and maximum annual payments may be increased or decreased to lower monthly premiums.
Pros
- Insures pets of any age.
- A current checkup is not required to enroll your pet in coverage.
- All policyholders have access to a 24-hour vet chat.
- A 30-day money-back guarantee.
Cons
- Accident-Only and Essential plans are restricted to $10,000.
- Has no mobile app.
Fetch by Dodo (Petplan)
Fetch by Dodo has assisted millions of pets over the last 40 years with illnesses and injuries. Over 1.3 million pets are protected by us today, making it one of the best pet insurance Hawaii in 2024
Plans & Coverage
Infections and injury to the mouth are covered by Fetch’s medical coverage. Pet insurance may also help with behavioral issues like separation anxiety.
To qualify for reimbursement, your pet would have to be missing for four days, or longer. In such a case, the reimbursement includes boarding expenditures, vacation cancellation costs, and reward or advertising money.
Many other Hawaii pet insurance providers do not cover preventative medical treatment for pets, such as Fetch by Dodo.
Accident and illness insurance for pets is available from Fetch by Dodo at three different levels of coverage: $5,000, $15,000, or an unlimited sum. This new program will cover the costs of veterinary care for those with cancer, broken bones, chronic diseases, and inherited defects.
Pros
- Fees for veterinary visits up to a maximum of $1,000 are eligible for return.
- Recouping part of the money spent on advertising and incentives may be possible for pet owners.
Cons
- No preventive care coverage.
- Having more than one pet does not save money in the long run.
- Within 15 days after the occurrence of a mistake, it must be notified.
How Much Does Pet Insurance Hawaii Cost?
Veterinarians charge for their services if your pet is ill or wounded, and you’ll have to foot the bill. Sadly, this may be rather expensive, and you’ll have to worry not just about your pet’s health but also about how you’ll be able to finance it. The good news is that your financial load will be significantly reduced if you get pet insurance.
When it comes to paying for your pet’s insurance, several variables might affect the cost, such as the breed, age of your pet, and even the area where you live in Hawaii.
The typical cost of dog insurance is between $30 and $60. Depending on the breed, you should expect to pay anywhere from $15 to $25 for a cat. There is an additional monthly fee of $10 to $25 for wellness programs.
The kind of plan you choose will depend on your monthly payment. Accident-only insurance plans, for example, will be more costly since they cover both accidents and sickness.
FAQ: Pet Insurance in Hawaii
How long does it take to process a pet insurance claim?
Following the submission of a claim, you can expect to receive your money within 10 to 20 working days.
Can you tell me how I can pay for my pet insurance?
By utilizing a credit or debit card, you may pay for your coverage in whole or in installments. You may stretch the cost of your coverage over the year by selecting the monthly payment option, which is interest-free.
Is it possible to get pet Insurance in Hawaii for a pet of any age?
Some companies can provide pet insurance for your cat or dog from the time they are eight weeks old until they are six years old at our new location. If you renew your coverage year after year without missing a beat, there is no maximum age restriction and they will continue to provide coverage for your pet at no additional cost.
What exactly is “complementary” medicine?
This refers to supplemental treatment costs (up to the maximum benefit) resulting from a valid claim that falls under the insurance. It is also received during the policy year if an illness or an injury happens. A veterinary clinic is the only place where you can get treatment.
They are all covered if you purchase Premier or Premier Plus coverage. Acupuncture, osteopathy, hydrotherapy, and chiropractic are all examples of complementary care.
How can I cancel my Hawaii pet insurance?
A non-refundable administrative penalty will be deducted from your refund if you do not file a claim within 14 days of receiving the policy documents.
A partial refund is still possible if you paid annually and received your insurance papers more than 14 days prior. By canceling your monthly subscription, you prevent any further charges from being added to your account.
