Healthy Paws Pet Insurance Rhode Island Review

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

Part of the Healthy Paws review · Pet insurance in Rhode Island

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

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

Coverage

The linked Westchester base still has a 15-day accident wait and 12-month hip-dysplasia wait; its amendment only deletes General Conditions item 12. Base II.5.b therefore also stands: illness related to hip dysplasia is not covered for pets enrolled at 6 or older, and the disclosure does not mention this. The newer disclosure instead describes no accident wait, a 30-day wait for nonaccident hip dysplasia and an examination waiver. The ordinary illness wait remains 15 days. The base's 30-day effective-date return clause also differs from the notice and disclosure's 15 days from receipt. The Rhode Island disclosure names ACE American, Indemnity Insurance Company of North America or Westchester Fire as the possible insurer, as shown on the declarations page. This is an inconsistent public sample set, not a verified issued contract. Check all issued endorsements against current law. Current enrollment, complete issued terms and prices remain unverified.

Scores in Rhode Island

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