Healthy Paws Pet Insurance Hawaii Review

Part of the Healthy Paws review · Pet insurance in Hawaii

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

Healthy Paws is underwritten in Hawaii by an insurer we have not identified.

Coverage

The Hawaii sample amendment has no accident wait, 15 days for other illness and orthopedic conditions except hip dysplasia, and 30 days for nonaccident hip dysplasia, with an examination waiver. The amendment replaces only base II.5.a, so base II.5.b still excludes illness related to hip dysplasia for pets enrolled at 6 or older; the disclosure does not mention this. Owner cancellation may be written or verbal. The attached notice and separate disclosure count a 30-day return period from receipt if no claim was filed, while the older base counts from effectiveness. The Hawaii disclosure names ACE American, Indemnity Insurance Company of North America or Westchester Fire as the possible insurer, as shown on the declarations page. These linked Westchester samples must be compared with the issued declarations and endorsements. Current enrollment, complete issued terms and prices remain unverified.

Scores in Hawaii

Without rate pages there is no lifetime cost, so Healthy Paws is not ranked in Hawaii. 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 Hawaii are not public or not yet read, so there is no price by age.

Rate filings

No filings recorded yet.

References

  1. 1.↑Pet Insurance Wiki, Rating methodology, version 1. methodology

History

  1. Added state cards from currently linked dated samples for New York, Oregon, Michigan, Nevada, New Hampshire, Indiana, Missouri, Utah, Maine, DC, Hawaii, Rhode Island and Louisiana, keeping state amendments, inconsistent sample terms and unknown enrollment availability. Updated New Jersey and Washington cards. Where the state disclosure lists three possible underwriters, the card no longer names one. Corrected the New Hampshire refund wording.
  2. 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
  3. 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
  4. First published: Florida filings 26-024890, 26-041673 and 26-041607, Florida disclosure PI-59918