Healthy Paws Pet Insurance Michigan Review

From Pet Insurance Wiki · last updated 11 Nov 2026 from public rate filings

Part of the Healthy Paws review · Pet insurance in Michigan

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

Healthy Paws is underwritten in Michigan by Westchester Fire Insurance Company.

Coverage

The Michigan document page links dated Westchester Fire samples. The Michigan amendment lets the owner notify cancellation on or before the requested date and adds a pro-rata refund provision with a minimum earned premium of at least the greater of elapsed-time premium or $25. Its interaction with the base sample's separate 30-day no-claim full-refund provision remains unresolved; a $25 deduction on every cancellation is not established. The linked claims-process endorsement can extend waiting for missing enrollment-exam records. Current enrollment availability, issued terms and prices remain unverified.

Scores in Michigan

Without rate pages there is no lifetime cost, so Healthy Paws is not ranked in Michigan. 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 Michigan 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