Healthy Paws Pet Insurance Florida Review

From Pet Insurance Wiki · last updated 14 Oct 2026 from public rate filings

Part of the Healthy Paws review · Pet insurance in Florida

Healthy Paws inFLFloridaChange state
Your dogFrench Bulldog · puppy, under 115 years of cover

Prices and ratings on this page are for the French Bulldog, enrolled as a puppy. Turn on JavaScript to choose your dog's breed and age.

This page is a draft: we have not read Healthy Paws's Florida rate pages yet, so it has no price and only partial scores. Figures may be corrected; see the history.

Healthy Paws is underwritten in Florida by ACE Property and Casualty Insurance Company.

Coverage

Florida disclosure PI-59918 (10-25): no waiting period for accidents, 15 days for illnesses and for orthopedic conditions other than hip dysplasia, 30 days for hip dysplasia; the waiting period can be waived through the procedure in the policy. Hip dysplasia is excluded for pets first enrolled at age 6 or older. Enrollment up to age 14. Exam fees, dental illness and prescription food are not covered. An unlimited limit and 90% reimbursement are advertised, but the options offered in Florida depend on age and breed. No coverage score: hereditary conditions, a curable-condition rule and direct vet pay are not verified. A new form under Westchester Fire Insurance Company (PI-59923, filings 26-041607 and 26-041604) is filed for 1 January 2027 and was still open on 13 October 2026.

Scores in Florida

Without rate pages there is no lifetime cost, so Healthy Paws is not ranked in Florida. Scales with data:

A. Lifetime costno data
B. Age curveno data
C. Generosity (loss ratio)no data
D. Rate increasesno data
E. Price structureno data
F. Customer treatmentno data
Coverage (separate)no data

Price by age

Rate pages for Healthy Paws in Florida are not public or not yet read, so there is no price by age.

Compared with other brands in Florida

Monthly premium for the French Bulldog in Florida at filed rates, before any future increases. Drag the slider to see what you pay at each birthday.

Monthly premium by age for 5 brands in Florida; every number is in the table below the chart.$0$250$500$750$1,000$1,25002468101214

Filed rates: ASPCA, Pumpkin, Spot 26-024273 · Lemonade 26-034247 · Pets Best 26-026451. No rate pages read yet: Embrace, Fetch, Figo, Healthy Paws, MetLife, Nationwide, Trupanion.

All numbers: monthly premium by age, French Bulldog, none (filed rates)
AgeASPCALemonadePets BestPumpkinSpot
0$154$140$78$164$143
1$146$119$71$155$135
2$145$119$71$155$135
3$159$119$71$170$148
4$179$132$79$191$166
5$218$156$96$233$202
6$263$185$116$280$244
7$318$221$145$339$294
8$407$265$180$433$376
9$501$370$219$534$464
10$601$439$283$640$556
11$678$505$318$723$628
12$782$544$346$834$724
13$888$544$346$947$822
14$944$544$346$1,007$874

Rate filings

Healthy Paws's own figures where one filing sets different increases for different brands; the Florida page lists each filing's headline figures.

FilingEffectiveStatusRequestedApprovedIndicatedLoss ratioPermissible LRSource
26-041673filed 28 Sep 2026filedsource [1]
26-041604filed 28 Sep 2026filedsource [2]
26-02489015 Jun 2026approvedsource [3]
26-021440filed 21 Apr 2026withdrawnsource [4]
25-04923019 Jan 2026approvedsource [5]
Notes on these filings (5)
  1. 26-041673: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 28 September 2026, still open on 13 October 2026. The effective date (6 November 2026 for new and renewal policies) is the date requested, not an approved one. Documents not obtained. Research notes: fl-irfs-pet-filings-2026-10-13.md, ca-warff-others-2026-10-13.md.
  2. 26-041604: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 28 September 2026, still open on 13 October 2026; 1 January 2027 for new and renewal policies is the date requested. It accompanies forms filing 26-041607, a new Pet Health Indemnity Insurance Policy PI-59923 with a Continuity of Care Coverage Endorsement. The research note links Westchester Fire to Healthy Paws through that form and a New Hampshire Healthy Paws disclosure (PI-59920) that names Westchester Fire among its insurers. Documents not obtained. Research notes: fl-irfs-pet-filings-2026-10-13.md, ca-warff-others-2026-10-13.md.
  3. 26-024890: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 11 May 2026, approved 21 May 2026, effective 15 June 2026 for new and renewal policies. Documents not obtained, so the approved change is unknown. Research notes: fl-irfs-pet-filings-2026-10-13.md, ca-warff-others-2026-10-13.md.
  4. 26-021440: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 21 April 2026 together with forms filing 26-021435, withdrawn 15 June 2026; the effective date it had requested was 1 July 2026. The research note calls it the first attempt at the Westchester Fire product now filed as 26-041604 and 26-041607. Research notes: fl-irfs-pet-filings-2026-10-13.md, ca-warff-others-2026-10-13.md.
  5. 25-049230: IRFS filing card: rates filing, filed 21 October 2025 under the Livestock (Animal Mortality) product that Florida pet filings used before the Inland Marine / Pet Insurance product, approved 12 January 2026, effective 19 January 2026 for new and renewal policies. Lemonade cites it as an approved competitor pet filing in its own filing 26-034247; ACE Property and Casualty's Florida pet business is Healthy Paws. Documents not obtained. Research notes: fl-irfs-pet-filings-2026-10-13.md, floir/26-034247-all-documents.txt.

References

  1. 1.↑Florida Office of Insurance Regulation, IRFS. ACE Property and Casualty Insurance Company, Healthy Paws, rate filing 26-041673. Effective 28 Sep 2026. source
  2. 2.↑Florida Office of Insurance Regulation, IRFS. Westchester Fire Insurance Company, Healthy Paws, rate filing 26-041604. Effective 28 Sep 2026. source
  3. 3.↑Florida Office of Insurance Regulation, IRFS. ACE Property and Casualty Insurance Company, Healthy Paws, rate filing 26-024890. Effective 15 Jun 2026. source
  4. 4.↑Florida Office of Insurance Regulation, IRFS. Westchester Fire Insurance Company, Healthy Paws, rate filing 26-021440. Effective 21 Apr 2026. source
  5. 5.↑Florida Office of Insurance Regulation, IRFS. ACE Property and Casualty Insurance Company, Healthy Paws, rate filing 25-049230. Effective 19 Jan 2026. source
  6. 6.↑Pet Insurance Wiki, Rating methodology, version 1. methodology

History

  1. 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
  2. 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
  3. First published: Florida filings 26-024890, 26-041673 and 26-041607, Florida disclosure PI-59918