Healthy Paws Pet Insurance California Review
Healthy Paws is underwritten in California by an insurer we have not identified.
Coverage
The California Department of Insurance lists no pet filings by ACE Property and Casualty. Healthy Paws policies in California are written by another Chubb company that we have not identified, and we have no California rate data.
Scores in California
Without rate pages there is no lifetime cost, so Healthy Paws is not ranked in California. Scales with data:
| A. Lifetime cost | no data |
|---|---|
| B. Age curve | no data |
| C. Generosity (loss ratio) | no data |
| D. Rate increases | no data |
| E. Price structure | no data |
| F. Customer treatment | no data |
| Coverage (separate) | no data |
Price by age
Rate pages for Healthy Paws in California are not public or not yet read, so there is no price by age.
Compared with other brands in California
Monthly premium for the French Bulldog in California at filed rates, before any future increases. Drag the slider to see what you pay at each birthday.
Filed rates: ASPCA, Pumpkin, Spot 25-613 · Embrace 26-812 · Fetch 25-2417 · Lemonade 23-3248 · MetLife 25-2234 · Trupanion 25-2461. Dashed: proposed, filed but not yet approved (Embrace, effective 1 Feb 2027). No rate pages read yet: Figo, Healthy Paws, Nationwide.
All numbers: monthly premium by age, French Bulldog, none (filed rates)
| Age | ASPCA | Embrace | Fetch | Lemonade | MetLife | Pumpkin | Spot | Trupanion |
|---|---|---|---|---|---|---|---|---|
| 0 | $122 | $195 | $126 | $86 | $273 | $122 | $122 | $196 |
| 1 | $122 | $137 | $128 | $77 | $248 | $122 | $122 | $196 |
| 2 | $122 | $158 | $145 | $75 | $248 | $122 | $122 | $196 |
| 3 | $122 | $181 | $164 | $75 | $248 | $122 | $122 | $196 |
| 4 | $127 | $209 | $196 | $85 | $251 | $127 | $127 | $196 |
| 5 | $157 | $240 | $233 | $102 | $315 | $157 | $157 | $196 |
| 6 | $181 | $276 | $277 | $120 | $379 | $181 | $181 | $196 |
| 7 | $213 | $317 | $327 | $148 | $472 | $213 | $213 | $196 |
| 8 | $268 | $364 | $386 | $179 | $584 | $268 | $268 | $196 |
| 9 | $305 | $418 | $455 | $217 | $667 | $305 | $305 | $196 |
| 10 | $364 | $482 | $535 | $258 | $774 | $364 | $364 | $196 |
| 11 | $417 | $554 | $627 | $306 | $897 | $417 | $417 | $196 |
| 12 | $481 | $637 | $734 | $330 | $1,039 | $481 | $481 | $196 |
| 13 | $481 | $732 | $857 | $330 | $1,091 | $481 | $481 | $196 |
| 14 | $529 | $842 | $998 | $330 | $1,143 | $529 | $529 | $196 |
Rate filings
No filings recorded yet.
References
- 1.↑Pet Insurance Wiki, Rating methodology, version 1. methodology
History
- The California underwriter is shown as not identified instead of falling back to ACE Property and Casualty; added BBB and Trustpilot ratings checked on 13 October 2026
- Corrected: added Florida filing 25-049230; moved the Florida waiting-period waiver out of the pros, since state law requires it of every insurer; removed an unlinked +14.6% figure; named S&P Global Market Intelligence as the source of the premium ranking; withdrew the Florida price-structure score until the rate pages are read
- First published: Florida filings 26-024890, 26-041673 and 26-041607, Florida disclosure PI-59918