Healthy Paws Insurance — Company Profile
What it is: a pet insurance brand founded in 2009 and based in Bellevue, Washington, selling one straightforward accident-and-illness plan. It is now “Healthy Paws, a Chubb Company”: Chubb acquired it from Aon plc in 2024, having already been the program’s exclusive underwriter since 2013. Healthy Paws itself is a brand and administrator — the insurer on your policy is a Chubb underwriting company, and which one depends on your state.
Verdict: Legit Our rating: Not yet rated — the evidence check is published (see the legit check); numeric scoring with visible inputs is in progress, and we do not publish a number without them.
Healthy Paws is a legitimate pet insurance program backed by Chubb, one of the largest insurers in the world. The practical questions are fit: a deliberately bare-bones plan (no wellness coverage, no exam-fee coverage), an annual deductible, and an underwriter that varies by state — the declarations page of your policy, not the brand name, names your insurer. Full verdict evidence: Is Healthy Paws legit?
The evidence
- Identity & ownership: founded 2009; based in Bellevue, Washington. Formerly owned by Aon plc; Chubb announced its acquisition of Healthy Paws from Aon in April 2024 (expected to close Q2 2024) and it is now marketed as “Healthy Paws, a Chubb Company.” Chubb had been the program’s exclusive underwriter since 2013.
- Who underwrites: policies are underwritten and provided by ACE American Insurance Company and one or more of its U.S.-based Chubb underwriting company affiliates — the company’s own disclosure names ACE American, Indemnity Insurance Company of North America, or Westchester Fire Insurance Company, as shown on your policy declarations page. The underwriter varies by state; we never print a single carrier name for this brand without that qualifier.
- Plan structure: one accident-and-illness plan with an annual deductible (it applies once per policy year and resets on the enrollment anniversary), selectable from $250 to $1,000, and no annual or lifetime payout caps.
- What is not covered: no wellness or preventive-care plan, and the vet exam fee is not covered — the plan is deliberately bare-bones. Direct payment to a vet is possible only if arranged in advance with the hospital’s agreement. (Current sources conflict on the reimbursement percentage levels offered, so this page prints no reimbursement range — check the live quote for the current options.)
- Scale: served more than 500,000 dogs and cats in the U.S. at the time of the Chubb acquisition (April 2024).
- Complaint pattern: our standard complaint index — the CarInsurance.com compilation of NAIC data used for every auto profile on this site — covers private-passenger auto only, so no figure from it exists for this line. Other compilations publish figures on different bases and disagree with each other, so rather than borrow one, we publish this company’s financial-strength rating and market data instead, and say so.
Where to check next
There are no live quote offers for Healthy Paws on this site yet, so the honest next step is comparison, not a checkout button:
| Alternative | Best for | See |
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| All major pet insurers, side by side | Comparing sales models and fit | Best pet insurance comparison |
| Run the numbers for your situation | A sourced estimate before you shop | Pet insurance breakeven calculator |
| The pet insurance hub | Coverage, costs, and how to shop the line | Pet insurance hub |
Reader reviews
No verified reviews yet. This profile is new, and we will not dress it up with placeholder praise. When reviews arrive, each one is moderated by a human, labelled verified only when we can verify the reviewer, and published whether it is positive or negative.
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Healthy Paws questions
Who actually insures a Healthy Paws policy?
A Chubb underwriting company — ACE American Insurance Company or one of its named Chubb affiliates (such as Indemnity Insurance Company of North America or Westchester Fire Insurance Company), depending on your state. Healthy Paws is the brand and administrator; your policy’s declarations page names your insurer. Chubb acquired the brand from Aon in 2024 and had underwritten the program since 2013.
Does Healthy Paws cover wellness care or exam fees?
No. There is no wellness/preventive-care plan and the vet exam fee is not covered. The plan is accident-and-illness coverage only — which keeps the design simple and is the main reason to compare it against brands that bundle wellness.
Why does this profile say “Not yet rated”?
We publish a numeric score only with the inputs behind it visible on the page. This company’s evidence check (on our Is It Legit page) is complete; its full numeric scoring is in progress, so the honest label is “Not yet rated” rather than an invented number.
Is this your business?
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Sources (checked October 2026): Founded 2009; Chubb acquisition from Aon announced April 2024, Chubb exclusive underwriter since 2013; 500,000+ pets served (Chubb acquisition release, PRNewswire, Apr 2024). Bellevue, WA base (Chubb insurer disclosure). Underwriting by ACE American Insurance Company and/or named Chubb affiliates as shown on the declarations page (Healthy Paws insurer disclosure, healthypawspetinsurance.com). Annual deductible $250–$1,000; no payout caps; no wellness or exam-fee coverage (TopConsumerReviews, Oct 2026; company disclosures). Reimbursement levels are deliberately not printed: current sources conflict (an Oct 2026 review's range vs the level used in the carrier’s own disclosure example) and the conflict is unresolved.