Pet Insurance in Hawaii
Got a Himalayan in Hilo or a Kangal in Kailua-Kona? Cover your pet with Lemonade pet insurance in Hawaii—the smart choice to keep your fur baby happy and healthy in the Aloha State.
How much does pet insurance cost in Hawaii?
The average cost of pet insurance in Hawaii in 2025* is roughly $28 a month for cats and $46 a month for dogs, depending on factors like your pet’s breed and age, exactly where you live, and the coverages you choose.
Here’s a look at average rates for popular dog and cat breeds in the US:
City | Average monthly premium* |
---|---|
Labrador Retriever | $92 |
Pug Purebred | $97 |
Domestic Longhair | $35 |
Persian | $45 |
What does a Lemonade pet insurance
policy in Hawaii cover?
A base Lemonade pet insurance insurance policy in Hawaii helps cover the costs of diagnostics, procedures, and medications to treat your cat or dog’s eligible accidents and illnesses. Here are some common types of care that Lemonade pet insurance covers in Hawaii:
- Bloodwork
- X-rays
- MRI
- CT Scan
- Lab Work
- Urinalysis
- Ultrasounds
- Cancer
- Emergency Care
- Surgery
- Heart Disease
- Hospitalization
- Road Accidents
- Outpatient Care
- Allergy Medicine
- Specialty Care
- Injections
- Prescription Medications
- Arthritis Medications
- Knee, Elbow, and Hip Dysplasia
What pet insurance plans does
Lemonade offer in Hawaii?
Wellness exam
Annual physical checkup for your pet
Vaccines
Up to 3 vaccines such as Rabies, DHLPP, and Bordetella
Heartworm test
Annual screening of heartworm infestation
Fecal or internal parasite test
Annual parasite evaluation test
Routine dental cleaning
Including dental x-rays, anesthesia, polishing, and more
Preventative medication
Protection for your pet against fleas, ticks, and heartworm
Pet parents love Lemonade
Is pet insurance worth it in Hawaii?
What additional coverage does
Lemonade offer in Hawaii?
Visit fees
Helps cover the extra fee vets charge for their time and labor, separate from the actual cost of the treatment.
Read morePhysical therapy
Helps cover things like acupuncture and hydrotherapy related to functionality issues due to an unexpected illness or accident.
Read moreDental illness
Helps cover the cost of treatments related to eligible dental illness—including crowns, extractions, root canals, dental surgeries, and antibiotics.
Read moreBehavioral conditions
Helps cover the costs of diagnostics, treatments, and therapies related to eligible behavioral conditions—like therapy sessions, prescription medications, and specialized training.
Read moreEnd-of-life and remembrance
Helps cover the costs related to vet-recommended euthanasia, cremation, or commemorative items—like an urn, framed pictures, digital photo storage, or even a tattoo—even if the pet’s death is not related to an eligible condition.
Read moreHow does pet insurance work in Hawaii?
Go to the vet
If your pet gets sick or injured, just visit any state-licensed veterinarian for the diagnostics, procedures, and medications your furry friend may need to recover.
File a claim
File a claim on the Lemonade app in minutes. You’ll need a pic of the vet invoice and/or a paid receipt, plus a copy of your medical records or notes from that specific vet visit.
Get reimbursed
Get your money back directly into your bank account from Lemonade for eligible claims. Around 50% of Lemonade pet insurance claims are handled instantly.
FAQs
What are the main safety threats to pets in Hawaii?
Hawaii’s tropical paradise has some unique hazards for pets. Toxic plants such as Blue-Green Algae, Plumeria, and Koa Haole can cause vomiting, drooling, or worse if chewed on, so keep curious companions away from unknown greenery, especially along beaches and hiking trails.
Wildlife threats include centipedes and cane toads; centipede bites can cause localized pain and swelling, while cane toads secrete potent toxins that are life-threatening if ingested. If your pet comes into contact with these creatures, seek veterinary attention right away. Hawaii also has mosquitoes year-round, which can transmit heartworm, so regular preventative care is a must. With Hawaii’s unique environment, being alert and proactive is key to keeping pets safe and healthy!
What are the best dog parks in Hawaii?
Hawaii offers some pawsome spots for your dog to run and have fun in paradise.
- Elaine Dobashi Dog Park in Honolulu is a popular spot, known for its well-kept grassy areas, separate zones for big and small dogs, and shaded seating for pet parents.
- Mililani Dog Park on Oahu has separate areas, drinking fountains for dogs, and plenty of benches under trees for a cool, relaxing outing.
- Keopuolani Dog Park in Maui boasts double-gated entry to fenced-in small and large dog areas, shade structures, and convenient parking, perfect for energetic pups to run wild.
- Kalama Beach Park in Kailua welcomes leashed dogs—perfect for water-loving pups wanting to enjoy the ocean breeze!
What are the top local pet-based businesses in Hawaii?
Hawaii is home to some amazing pet-centered businesses that celebrate island life with your four-legged friends.
- Poi Dog Treats in Honolulu specializes in wholesome Hawaiian-inspired snacks made from local ingredients—perfect for pups with sensitive tummies.
- Aloha Pawz in Hilo provides everything from healthy foods to stylish accessories, plus eco-friendly toys and local pet-themed gifts.
- The Pet Depot in Ocean Pointe, a family-owned and operated business, is your one-stop shop for all your furry and gilled companions’ needs, including self-service wash stations for a spa day.
- NOLA Pet Treats specializes in providing natural pet treats, using unique proteins like kangaroo and lamb.
Can I use Lemonade pet insurance at any vet in Hawaii?
Yes, since we work on a reimbursement basis you can use your Lemonade pet insurance policy at any licensed vet in the US, including Hawaii.
How can I protect my dog when exploring Hawaii’s beaches?
“To keep your dog safe on Hawaii’s beaches, first check local rules as some beaches require leashes or limit dog hours. Visit during cooler parts of the day, bring plenty of water, and provide shade to prevent overheating and paw burns.
Remember to always supervise your pup around the water—watch for strong currents, sharp rocks, and jellyfish, and consider a doggy life vest for extra safety. You should also rinse off sand and saltwater after swimming. With a little preparation and close supervision, your dog can enjoy paradise safely.”
*Average premium pricing sourced from Insuranceopedia accessed August, 2025.
Continue Reading
What is Pet Insurance Coverage and How Does It Work?
Your go-to resource for pet insurance coverage, in plain English.
How Much Is Pet Insurance?
Let’s dig into the factors that impact how much your pet insurance costs.
Is Pet Insurance Worth It?
At Lemonade, protecting your dog or cat starts at just $10/month.
How Much Does a Vet Visit Cost?
Great care isn’t cheap. We’ll take a look at an average vet bill.
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