State guide

Pet insurance in Hawaii

HI at a glance

Avg. annual vet costNational reference, cited below. Individual cost varies by region and pet.$1,350

Regulatory notesPet insurance in Hawaii is regulated as a property and casualty product by the Hawaii Insurance Division, part of the Department of Commerce and Consumer Affairs. Insurers must file policy forms and rates with the Division before offering coverage to Hawaii residents. Hawaii has no state-specific mandated pet insurance benefits beyond standard property and casualty regulatory requirements.

Common health concerns

Listed for insurance cost context only, not medical guidance.

Higher veterinary costs reflect elevated island labor and supply costs across all islands
Year-round warm-climate flea, tick, and parasite exposure elevates preventive-care claim costs
Limited specialist access raises out-of-island referral and travel-related claim costs
Heat and humidity-related skin and ear infection claim frequency is elevated year-round

Cost and regulatory sources

Hawaii Insurance Division: consumer insurance guidance (2026-05-17) State regulator guidance backing the regulatory notes on this page.
NAPHIA State of the Industry, Average Premiums (2026-05-17) National accident-and-illness reference. The figure shown is a regional estimate against this national average; individual cost varies by region and pet.

Providers that write coverage in Hawaii

These insurers offer policies to pet owners in Hawaii. We list them here for reference while our full provider write-ups are in progress.

Trupanion

Healthy Paws

Lemonade

Embrace

Nationwide

Cities in Hawaii

Honolulu Hilo