Healthy Paws has filed a rate and rule update for its pet insurance product in Virginia, effective October 18, 2025. The filing does not impact current policyholders or written premium, as the changes apply only to discounts that are not currently utilized.

The update introduces tiered discounts for Corporate Group programs and Strategic Benefit Partners, revises the discount partner list, and adds value-added benefits at no additional cost. The filing also confirms a monthly base loss cost of $34.93 and notes pet type factors of 0.540 for cats and 1.000 for dogs.

When it comes to group discounts, eligible new and existing pets may qualify, though the maximum total discount is capped at 10% (0.90 factor), regardless of how many discounts may apply. For corporate group benefit plans, a 5% discount (0.95 factor) may be provided to businesses with fewer than 20,000 U.S.-based employees that offer pet insurance as a voluntary benefit. Current corporate benefit partners in this category include Chubb Employee Benefits, Wye River Insurance Employee Benefits, CRC Group, East Texas Co-Op, Jacksonville Independent School District, Rusk Independent School District, San Antonio Wings, Seven Stars Bakery, and the Houston Rockets. Businesses with 20,000 or more U.S.-based employees may qualify for a 10% discount (0.90 factor) for employees when pet insurance is offered as a voluntary benefit.

Customers or employees of internet sites may receive a 5% discount (0.95 factor). At present, SpoTower and its affiliates are recognized as partners in this category.

Strategic partners are also eligible for discounts based on their size. When the owner of an eligible pet is a customer, member, or employee of a strategic partner with fewer than 5,000,000 customers or members, a 5% discount (0.95 factor) may apply. Current partners in this group include Airvet, Maury Donnelly & Parr, Inc., Moreland Insurance, and Windermere Real Estate. For larger strategic partners with 5,000,000 or more customers or members, a 10% discount (0.90 factor) may be applied to new online enrollments. PetSmart is the current partner recognized in this category.

The update follows a rate and rule filing approved in June 2025 and is positioned to expand group distribution while enhancing non-insurance perks.