Insuring Your Pet in Hawaii

There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our Hawaii pet insurance costs between $20 and $55 per month in 2025.

We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in Hawaii when it isn’t always. But our goal isn’t to be the cheapest, our goal is to cover more and offer the best pet protection we can. We are highly rated by our members (4.0 Google; 4.1 Trustpilot), have a 4.2-star rating from Forbes and are also highly rated by Rover, Investopedia, Money, Canine Journal and others. If you’re the type of pawrent who wants the best for their fur baby, you’ve come to the right place.

Hawaii's landscapes beckon with volcanic peaks, lush rainforests, and world-famous beaches, promising endless adventures for our furry companions. But amidst this paradise lie potential hazards worth noting, especially for those with four paws. The year-round tropical sun and high humidity create a constant risk of heatstroke, while sudden tropical downpours can cause dangerous flash floods in valleys and streams. The beautiful freshwater pools and waterfalls can harbor the dangerous bacteria that causes Leptospirosis, a serious illness that can be fatal.

Beyond the weather, the land itself presents its own set of considerations. Lush foliage hides poisonous plants and fruits, while the volcanic rock can be sharp and unforgiving on paws. Stagnant water is a breeding ground for mosquitoes carrying the threat of heartworm. And while Hawaii's wildlife is unique, highly toxic Cane (Bufo) toads, aggressive feral pigs, and large, venomous centipedes pose a significant danger to curious pets. Common foes like heartworm, fleas, and ticks thrive in the climate here as well.

Honolulu's urban environment brings its own set of challenges. High-rise apartment lanais pose a fall risk, while crowded tourist areas mean heavy traffic. Even the beautiful beaches and dog parks, built for fun, can put your pup at risk for kennel cough and parvovirus. The majestic Pacific Ocean demands a watchful eye for strong currents, sharp coral reefs, and discarded fish hooks near popular shorelines.

For any pet parent who wants to avoid being stuck with thousands in vet bills, pet insurance offers a way to pay upfront and get reimbursed for covered costs later. No matter how careful we are with our pets, accidents happen, and illness is largely unpredictable.

An emergency with a few zeroes behind it can lead to tough decisions, and pet insurance can help you make life saving decisions without financial worry.

If you’re contemplating pet insurance, you’re in good company. According to Nerd Wallet, the number of pet parents who opted for pet insurance has doubled since 2019.

Oh, and if you’re wondering, pet insurance is likely to pay off faster than you think. More than 50% of Embrace customers submit a claim within their first policy year, based on Embrace’s claims data.

Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on it's effective date. All policies cover accidents from the effective start date of the policy. All polices have a 2 week illness waiting period. Most pet wellness plans, on the other hand, aren’t insurance policies and your full benefits are available from day one. Other waiting periods and exclusions vary by state. Check your policy or click here for details.