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.

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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:

CityAverage monthly premium*
Labrador Retriever$92
Pug Purebred$97
Domestic Longhair$35
Persian$45
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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
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What pet insurance plans does
Lemonade offer in Hawaii?

Our preventative care packages help cover your pet’s regular trips to the vet.
Wellness examWellness exam

Wellness exam

Annual physical checkup for your pet

VaccinesVaccines

Vaccines

Up to 3 vaccines such as Rabies, DHLPP, and Bordetella

Heartworm testHeartworm test

Heartworm test

Annual screening of heartworm infestation

Fecal or internal parasite testFecal or internal parasite test

Fecal or internal parasite test

Annual parasite evaluation test

Routine dental cleaningRoutine dental cleaning

Routine dental cleaning

Including dental x-rays, anesthesia, polishing, and more

Preventative medicationPreventative medication

Preventative medication

Protection for your pet against fleas, ticks, and heartworm

Pet parents love Lemonade

Customizable coverage, seamless claims, and compassionate customer support —it’s no wonder why hundreds of thousands of pet parents choose Lemonade pet insurance

Is pet insurance worth it in Hawaii?

Check out how much dog and cat owners have saved on vet bills with pet insurance.

What additional coverage does
Lemonade offer in Hawaii?

You can easily mix and match our add-on coverages to meet your pet’s needs, and your budget.

Visit fees

Helps cover the extra fee vets charge for their time and labor, separate from the actual cost of the treatment.

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Physical therapy

Helps cover things like acupuncture and hydrotherapy related to functionality issues due to an unexpected illness or accident.

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Dental illness

Helps cover the cost of treatments related to eligible dental illness—including crowns, extractions, root canals, dental surgeries, and antibiotics.

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Behavioral conditions

Helps cover the costs of diagnostics, treatments, and therapies related to eligible behavioral conditions—like therapy sessions, prescription medications, and specialized training.

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End-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.

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How does pet insurance work in Hawaii?

Lemonade harnesses the power of tech to make the process of filing a pet insurance claim—and getting reimbursed—a breeze
Go to the vetGo to the vet

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 claimFile a claim

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 reimbursedGet reimbursed

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.

Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.