When does my policy start and what are the waiting periods?

Policies are effective at 12:01am (EST) the day after enrollment or the day you select as your effective date. There is a 5 day waiting period for accidents/injury, and a 14 day waiting period for illnesses. There is also a 6 month waiting period for problems associated with cruciates and patellas (knees). However, if you choose to have your pet examined by a veterinarian within the first 30 days of the policy and the medical record specifically notes that your pet does not have any pre-existing conditions relating to its knees, the 6 month exclusion will not apply.

Is a veterinary exam required to enroll?

We do not require a veterinary exam to enroll. If you cannot provide medical records showing your pet’s annual health exam by a licensed vet occurring within the 12 months prior to the effective date of your policy, the first documented vet exam after the effective date of the policy will be used as the basis for determining any pre-existing conditions. So please get this done right away!

Can I visit any licensed veterinarian in the United States?


Reimbursements and co-pays?

A reimbursement is the amount we will pay you toward the total bill or treatment submitted. A co-pay is the percentage of your claim for which you are responsible for before any applicable deductible is applied. Example of a $200 deductible and a 10% co-pay: For a $1,000 vet bill, you will pay the 10% co-pay ($100), then your annual deductible ($200). Your total out of pocket will be $300. We will pay $700.

How do you determine pre-existing conditions?

We will evaluate your pet’s medical history during the claims process to determine if the condition existed prior to your enrollment and the subsequent waiting period (5 days for accident/injury and 14 days for illness). If your pet has not been examined by a licensed vet in the 12 months prior to the beginning of your policy, then your pet’s pre-existing conditions will be determined at their next visit to the veterinarian’s office.

What’s covered?

See the “Our Coverage” tab on the Hawaii Pet Insurance home page. Contact us for detailed coverage information at info@hipetins.com or 808-462-8367.

What’s not covered or excluded?

Contact us at info@hipetins.com or 808-462-8367.

Will my premium increase at renewal?

All pet insurance companies, no matter how they promote their plans, will raise rates accordingly to keep up with the rising cost of veterinary care. These necessary increases provide you the opportunity to offer your pet the best medical treatment options available. Additionally, your premium will be affected by your pet’s age each year, as the risk for more costly claims grows higher. We strive to provide coverage well into your pet’s old-age by not placing upper-age limitations on our policies. However, our premium will never increase due to filing a claim, and we will not penalize you for making claims on your policy.

Is a wellness plan offered?

No. It’s been our experience that pet owners are better off financially if they invest in an inclusive injury and illness policy while managing their pet’s proactive healthcare out of pocket.

How is my premium calculated?

In general, your premium is based on your pet’s age, breed and where your pet lives. Some other factors that impact your premium are: the plan you choose, your deductible, and your copay.

Is there a money back guarantee?

Yes. We have a 30 day money back guarantee.