Healthy Paws Pet Insurance Maine Review
Healthy Paws is underwritten in Maine by an insurer we have not identified.
Coverage
The Maine sample 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 Maine law give 15 days from receipt to return the policy if no claim was filed, followed by a full refund within 30 days after the insurer receives the returned document. The older amendment instead counts the return window from the Policy Effective Date; this discrepancy is retained for review against the issued contract and law. No generic CPE is linked in this set. The Maine disclosure names ACE American, Indemnity Insurance Company of North America or Westchester Fire as the possible insurer, as shown on the declarations page. Current enrollment, complete issued terms and prices remain unverified.
Scores in Maine
Without rate pages there is no lifetime cost, so Healthy Paws is not ranked in Maine. 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 Maine are not public or not yet read, so there is no price by age.
Rate filings
No filings recorded yet.
References
- 1.↑Pet Insurance Wiki, Rating methodology, version 1. methodology
History
- 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.
- 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