Got metlife pet insurance to cover dental work needed for my dog. I got the Preventive Care plan add-on so her teeth cleaning would be covered. Right in the policy it lists Spay/Neuter or Teeth Cleaning: $150, per pet. Submitted my claim on 12/17 and finally got processed today 1/17. They rejected the claim on grounds of it being a pre-existing condition. My dog's teeth had plaque on them so they denied the claim. How in the hell do you get teeth cleaning covered then?

\*\*\*UPDATE\*\*\*\* Emailed Odie and they replied saying they refunded my CC. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Hi, I was fradulently charged for pet insurance premium from Odie, after they merged with Manypets. I have contacted both companies (email, phone call) and discussed I would not be renewing my pet's insurance contract. The renewal date was January 3rd. Today, Odie emails me saying that they've successfully processed the monthly premium. Any tips on how I can get my money back and ensure that Odie does not harass my family/fradulently take my money? I'm very upset, as I had done my due diligence in communicating that I would not be renewing my insurance policy with them. On an additional note-- This left a very bad impression on me, and I will not be recommending Odie to anyone on this reddit forum. Thank you.

So my son receives ABA services through a tier 1 provider. This goes through deductible and coinsurance. $650 individual deductible, $2000 coinsurance (minus prescription and copay, solely for him, the numbers mentioned don't apply to family deductible). $0 is covered until the $650 is hit, 80% is covered until $2000 is hit, then 100% covered after. So I call up insurance because last year's bills are much higher than expected. I don't even know the total yet for just last year. And I can't look at the online EOBs yet until tomorrow. So, $650 is covered very quickly. Then there's a $6000 bill (for one date of service) sent to insurance. 80% is covered, we cover 20%. This is where I get so confused. Apparently because the first day wasn't processed first ($11,000) and this $6000 was processed first, she said we are actually paying so much less money overall for the year. We have to pay for the 20%... But it doesn't sound like it counts towards the $2000? We might be paying a total of $4,000-$5,000 once this is all said and done. It went like this... "So if I've already paid the $2,000 towards ABA, why do I have to pay over that?" "Because you're responsible for 20% after the $650 is paid until you reach the $2,000. You're actually paying so much less because that $11,000 wasn't processed first, so you're coming out on top. Otherwise you would have had to pay $2,2000." My brain hurts. I don't know what's going on. That would have put me over the $2,000 and it sounded like he still wouldn't have been considered as reaching the $2,000.... Someone please explain 😭

I was hit by a Lyft driver back on 11/17/2024. They didn’t check their blind spot and merged into me on the freeway. My car’s front bumper is cracked and messed up, I had to change that tire, and my windshield wiper fluid tank is cracked. I don’t have proof of the accident but I filed a police report as soon as the incident happened and I recorded the situation right after. I think it’s very obvious (from the damages and location of the accident) that her car hit my car. This problem became complicated because they were using a Hertz rental vehicle, not their own car. The driver gave me their insurance information and she claimed that she bought “extra insurance” to cover incidents. I come to find out, her Hertz insurance doesn’t cover the incident because she was driving for Lyft? And Lyft is now saying, “If we agree to pay for some or all of your property damage on behalf of our policyholder, we will only consider reasonable rental expenses, for a vehicle comparable to the damaged vehicle, and/or reasonable storage expenses for reimbursement.” Does this mean they will not be paying for any of my actual damages?? I unfortunately do not have collision coverage, I only have California state minimum requirement. I’m looking to switch but full coverage was just way out of my budget at the moment ($400+ per month). Please help :( I don’t really know what to do next. I’d appreciate any advice!!

Hey friends, I got rear-ended while waiting for the highway exit. It is pretty clear the other party is liable. The other car was a Nissan car and is insured by this Infinity Selected Insurance Company. The insurance company acknowledged the liability, looked at the photos of my damage, and just sent me a check. But they also said I can reach out to any bodyshop for repair. I did, and the bodyshop found more damage inside and the repair fee is a lot higher. What to do next then? The bodyshop said they will send the inspection report and photos to the insurance for an increase amount. I also think the bodyshop might be exaggerating a bit regarding their quote. Is this normal practice? What should I do to make sure the insurance don't deny the claim. It's a brand new 2025 car so I don't want to pocket the money. I just want the car to be repaired properly. Any suggestion is highly appreciated. Thanks a lot. \-- Alex PS: I live in Bay Area, CA.

In New Jersey here. I’ve just been having awful luck with my car the last few years and I’m trying to figure out how to proceed. My driving history abstract pulled 1/2025: December 2021 - ticket obstructing passage of other vehicle March 2022 - fender bender - at fault but not shown on my abstract. insurance paid October 2022- My leased 2019 Jeep Cherokee was totaled in a hit and run accident. Not at fault. Insurance paid May 2023 - a Tesla and My new Kia sportage (financed in 1/2023) collide while both Backing out of opposite parking spaces. not shown on my abstract. Insurance paid November 2023 - got out of my Kia sportage, wasn’t in park and rolled away from me and hit a garage wall. Insurance paid. progressive sends nonrenewal notice. January 2024 I can’t find any insurance coverage for less than $1000 a month. So I give up, unregister it, leave it uninsured just and put the car in the garage. It’s been 15 months without a car. I still can’t afford to insure it. My sister and I decided we would trade cars. I would take her 2015 Chrysler 200 since it’s paid off and see if I can get cheaper insurance. Then she could register and insure my sportage under her name and use it for herself. we’d prefer not to refinance it in her name because we’re going to split the finance payment. My portion would be like paying her for the Chrysler. So that’s our plan but She has NJM and they’re saying they can’t insure the sportage if she’s not on the loan. Is this possible? Also any insights the situation as a whole and what to do to proceed? I really need to get back on the road. Any help is greatly appreciated! Thanks!

hi! very new to the world of insurance. i just got my permit and bought my own car, im 22 and trying to speed up this process because not being licensed or having a car is making my wallet take a HIT. *(i learned how to drive and got a permit when i was 16, never got a car/license due to covid, turned 21 and decided just not to renew the permit because i assumed id never need it)* i just bought my car last week, my dad is currently fixing it, just need to replace the solenoid. and then i'll be driving around and brushing up on my skills. all that annoying backstory aside, i'm trying to get an auto ins quote and cannot find anywhere to get one, tried geico and they won't give me a quote of how much id pay monthly, just how much id pay the day i signed up. tried progressive and got absolutely jack. i just want somewhere i can find out roughly how much id be paying, my dad said there's dozens of sites where you can find a quick ballpark quote and i can't seem to find a single one, help?

Recently a storm blew through and did a ton of damage in the neighborhood. Adjustor came out and declared the roof a total loss, however all said they were exploring possible negligence. Couple weeks later they declared that the could only pay for half the roof because they had pictures of roof damage 2 years ago (damage was just a dozen or so 3 tab shingles that had torn off, nothing major, which was since repaired). The next day they just deposited the money in my bank account, however I haven't signed or agreed to anything. Is it possible or worthwhile to fight this? Unfortunately I don't have a paper trail of the roof repair because a friend of mine fixed it to return a favor. I spoke with a roofing company with good reviews on Google who said they will fight it for us. That a good idea? Also reaching out to my friend to see if he has any companies he recommends.

I would like to warn people before signing up with Pets Plus Us. They are “endorsed” by Costco and I thought that meant they must be decent. I signed up with them in 2014 when my dog was 10 weeks old. My dog is now 10.5 years old and this is my experience: Since 2021 they have approved $29 and $26 dollars of claims. In November 2022 they approved their last reimbursement for $29. They rejected a claim for an autoimmune disorder despite the fact a surgeon and specialist reached out on our behalf and provided published information proving that under PetsPlusUs guidelines it should have been covered…we paid $7500 out of pocket for that in 2022. Despite not approving any claims since November 2022, when my dog turned 10 (June 2024) they DOUBLED his monthly rates. And claimed that had nothing to do with age. Today I received an email advising that my dog’s plan is being “discontinued” so they I can pick a new plan to “better meet my needs” however, pre-existing conditions will not be covered. I called to cancel our policy today. We were loyal clients for nearly 11 years and this is how they “value” us.

If this is legal it sure ain't ethical. I'm not often stunned by capitalism and greed but JFC. This is shameful. I feel so f'ed.