Best Pet Insurance Companies in Hawaii

Hawaii Pet Insurance FAQs

• What is the average waiting period when enrolling for pet insurance in Hawaii?

  Pet insurance companies in Hawaii require a waiting period before pet owners can enroll for insurance. For accidents, the average waiting period is zero to 15 days; for illnesses, 14 to 30 days; and for orthopedic or cruciate issues, 14 days to 12 months. A waiting period is required to ensure that conditions or illnesses are disclosed.

• What are the different types of pet insurance reimbursements in Hawaii?

  In Hawaii, the different types of pet insurance reimbursements are actual cost, benefit schedule, and usual and customary. Actual cost reimbursement pays you back for the exact amount you spent at the vet, minus your deductible. Benefit schedule reimbursement pays you back up to a certain amount, depending on the specific illness or accident. Finally, usual and customary reimbursement pays you back what the pet insurance company considers to be a reasonable amount for the services provided.

• What do pet insurance policies cover in Hawaii?

  In Hawaii, most pet insurance companies cover accidents, illnesses, hereditary, congenital, and chronic conditions, and cancer. It usually doesn't cover pre-existing conditions. Pet insurance policies may also cover diagnostic treatments, X-rays, blood tests, and ultrasounds, hospitalization, surgery, and prescription medications. Pet owners may also opt to include specialty and emergency care treatment.

• In Hawaii, what is the difference between hereditary and congenital conditions?

  When planning to get pet insurance in Hawaii, owners should be aware of the difference between hereditary and congenital conditions. Hereditary conditions are passed down from the pet's parents. These include elbow dysplasia, IVDD, and entropion. On the other hand, congenital conditions are those that develop inside the utero before the pet is born. These include liver and congenital heart disease.

• When should you get pet insurance for your dog or cat in Hawaii?

  In Hawaii, the most ideal time to get insurance is when your pet is still a healthy puppy or kitten. Pet insurance is normally more expensive when your pet is older because older pets are more likely to have health issues.