Embrace provides the best pet insurance Hawaii has to offer your pet whether you visit a local vet in Honolulu, Hilo, Kailua or anywhere else in the Aloha State.
For pet owners in Hawaii, your pet is part of the ohana. Embrace Pet Insurance helps you protect your furry family members with flexible accident and illness plans. We are dedicated to providing transparent coverage with no lifetime limits, including for breed-specific conditions and complementary therapies. Our easy-to-use MyEmbrace portal simplifies claims and policy management, giving you the peace of mind to focus on your pet's well-being in the Aloha State.
As fellow pet owners, we know your dog's health is a top priority. Our insurance plans are built to reflect that, offering coverage for a wide range of health issues. This includes hereditary and congenital conditions, chronic illnesses, and even ailments common to specific breeds, along with all associated diagnostic and treatment costs.
Protect your pet with coverage for illnesses and diseases such as cancer, diabetes, and heart disease. Click here to learn more.
Ensure your pet is covered for injuries, accidents, surgeries, and emergency vet visits. Click here to learn more.
Preventive care is an optional add on offered by most pet insurance providers to help cover wellness expenses, including vaccines and dental cleanings. Click here to learn more.
Wondering what pet insurance might cost in Hawaii? The price* is tailored to your pet and your ohana. Key factors include your pet's age (younger is often less expensive), their breed (as some are prone to certain health issues), and which island you call home. Since vet costs can differ across the Aloha State, your location plays a part in the final premium.
On Average:
$60 per month for Dog Insurance
On Average:
$28 per month for Cat Insurance
*Based on internal Embrace claims data from 2025
Finding the perfect pet insurance is all about balancing the monthly cost with what you're comfortable paying for those unexpected vet trips. See what you might expect to pay for common vet services for cats and dogs in the Aloha State.
Here's a Look at Estimated Vet Costs in Hawaii
| Vet Procedure | Price of Procedure | What Embrace Pays | What You Pay |
|---|---|---|---|
| Intervertebral Disc Disease | $3,000 | $2,610 | $390 |
| Bilateral Hip Dysplasia | $2,000 | $1,710 | $290 |
| Diarrhea | $200 | $90 | $110 |
Note: Table was designed with a $100 deductible and a 90% reimbursement rate
Embrace offers Hawaii pet owners customizable accident and illness plans designed to fit their budget. Our policies have no lifetime limits and cover complementary treatments, breed-specific conditions, and optional exam fee coverage. We're known for fast claims, transparent policies, and an easy-to-use customer portal for pet parents across the Aloha State.
What is the average cost of pet insurance 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.
Which company has the cheapest pet insurance in Hawaii?
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.
What are common risks to pets in Hawaii?
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.
Is it worth having pet insurance for a dog in Hawaii?
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.
Can pet insurance be used immediately?
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.
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