Our puppy went to a few puppy socials in the past week. Today he started having a loud dry cough, so we took him to the vet. The vet diagnosed him with a minor respiratory illness. The vet wasn’t concerned because he was still eating well and had no change in energy level, but still prescribed him some cough suppressant. We mistakenly filed a claim to Trupanion at the vet to try to cover the medication. However, we were on day 28 of the 30 day waiting period and Trupanion denied the claim. Furthermore, Trupanion now saying that “cough” is a pre-existing condition and we will no longer be able to submit any claims for “cough” in the future. I saw that some insurance providers delineate between curable and non-curable pre-existing conditions. Does anyone know if Trupanion does this? Additionally, is there any way to get the “cough” removed as a pre-existing condition from Trupanion or are we screwed? Thank you!

I am going through Tesla insurance for my Model Y. I had a few aftermarket parts and vinyl wrap that needs to be replaced as part of the repair. The quote/check for the repair does not include just three items and the shop is saying that they will submit a separate claim/payment for that item after everything else is repaired and done. Additionally, they are saying that after all of that, I need to go get a quote for the wrap and submit that separately on my own to see if Tesla will reimburse me for it. Anyone have any insight on this? At this point, it has taken me several months to even get a reply back from the shop, I almost want to just ask for a check and get it done elsewhere or figure it out on my own. The only issue is the check was sent to the shop as a two person check, so I almost feel like I will be stuck with this shop.

I wanted to share our ongoing battle with CNA Surety. Contractor licensing bonds are supposed to protect homeowners by ensuring that contractors meet their obligations and pay out when they don’t. But here’s the problem: CNA Surety claims they have no duty to investigate or pay out unless there’s a court order—meaning you’d have to sue and win in court first before any funds are released. This issue is now under review by the California Department of Insurance, which is conducting a broader market review. Redacted snippetof their stance: [CNA's Stance](https://imgur.com/a/xVNebbg) Has anyone here ever actually received a payout on a contractor licensing bond claim? What do you think is really going on with this practice?

I just dropped Embrace pet insurance. My dog has a soft palate and breathing problems which are hereditary. The woman on the phone said they do cover hereditary conditions as long as it wasn't something that was detected before the policy began or after the waiting period, because then it gets listed as a pre-existing condition, which no pet insurance covers. I'm so confused. If the condition is hereditary then of course it was detected early on. I've literally spent 10k on vet bills for my dog (who's only 10 months old) and I've never been reimbursed fot a single thing because everything she went in for is considering "pre-existing", whether its seizures, bladder issues, bowel obstruction, or anything related to breathing. She gets aspiration pneumonia like every 2 months because she throws up and then it goes back into her lungs and then I have to pay for x-rays and give her antibiotics. The waiting period for it to not be considered pre-existing is 180 days. That's just not possible in her case. Literally the only way I'd ever be reimbursed for anything is if she broke a leg or something. Is there any pet insurance that will cover hereditary health issues without listing them as pre-existing? Do I just go to a different vet and not give her insurance info from her previous vet or what? Her vet bills are becoming unaffordable at this point. Just at a loss of what to do. Anyone who can give me advice would be greatly appreciated. Thank you.

I got diagnosed with sleep apnea and I was delaying my treatment because I found out that its very expensive. After a few months, the cpap company based in Houston, TX reached out again that my deductible has been met and I just owe 171$ and then insurance will take the charges. After I started my sleep apnea treatment, I got the call again from the medical company that they made a mistake on their end and the benefit information was not correct. So now, they are asking me to pay 45$ for supplies and 65$ for cpap rental every month till the payments are complete. I am just a loss of what the hell is this! I get screwed up and left with more charges for a treatment which was quoted wrongly to me. I called Blue Cross Blue Shield OF TX and they said they cannot help me. My current insurance is ending in one month and I am changing insurance from next month. So, it doesn’t make sense why pay deductible towards an insurance which will not be there in 30 days. What are my rights?

Hello, I am hoping someone can provide a bit of guidance as I’m a bit confused as to how my most recent claim was handled. My Labrador has been on a fetch (formerly PetPlan) insurance policy since she was 12 weeks old. No issues with preexisting conditions and fetch covers a lot that some other insurances don’t when it comes to congenital issues. Recently she had to have TTA surgery to repair a torn knee ligament and we just got our reimbursement approved for the treatment I noticed I was about 100 dollars short in my reimbursement, but received no communication that they partially approved or denied any part of the claim. I went and checked and they coded the surgical anesthetic medications under “prescription medication” and allocated all medications used during the surgery as prescriptions, which was applied toward the 1,500 sublimit I have on my plan for prescriptions I have never seen this before and every single communication/review about fetch talks about how they covered surgeries in full and all that jazz, and it seems crazy to me that the anesthetic medications necessary for surgery would be coded the same as prescriptions and would prevent me from receiving a full reimbursement. Has anyone else experienced this with Fetch pet insurance? I’m just concerned because it is likely she will need her other knee done and if it happens within the year then this entire surgery would have killed the entire prescription sublimit I have on my policy (that was also never communicated to me in the time I spent on the phone with the customer service agent)

Location: Arizona My boyfriend and I rented an apartment about a month ago. Ever since staying there, we noticed a large, unavoidable amount of roaches. As stated in the contract, we were allowed to leave if the conditions were deemed unfit for living. We sent several emails regarding this situation, and even got bed bugs and have photos of proof of the roaches and bites as well as a doctor note. There were roaches in bags of potatoes, closed flour, and more. We had enough and left, leaving a letter saying we would be leaving and why. They are now trying to charge us 12k for the months that we left, and threatened to send to collections. We got an email this morning regarding the amount owed from collections. What can we do? We both don’t make enough to pay this off or to get a lawyer. Email: State Debt Recovery LLC, dba Genesis To: My name Their address My address Their address My state, city, zip Their phone # from 8am to 5pm PST, Monday to Friday Account: 0004531455 w.genesiscred.c 2/18/2025 State Debt Recovery LLC, dba Genesis is a debt collector. We are trying to collect a debt that you owe to MONTERRA (STATE). We will use any information you give us to help collect the debt. Our information shows: How can you dispute the debt? You had an agreement with MONTERRA (STATE), regarding 334. - Call or write to us by 3/28/2025, to dispute all or part of the debt. If you do not, we will assume that our information is correct. As of 2/14/2025, you owed: $12,322.62 Between 2/14/2025 and today: - If you write to us by 3/28/2025, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You were charged this amount in interest + $0.00 You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at ComplianceATgenesiscred.c. You were charged this amount in fees: + $0.00 You paid or were credited this amount toward the debt: - $0.00 Total amount of the debt now: $12,322.62 Your account bears interest at 10.00% percent per annum. What else can you do? - Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by 3/28/2025, we must stop collection until we send you that information. You may use the form below or write to use without the form. We accept such requests electronically at ComplianceATgenesiscred.c - Go to www.cfpb.gov/debt-collection to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. - Contact us about your payment options. - Póngase en contacto con nosotros para solicitar una copia de este formulario en español. How do you want to respond? Check all that apply: Mail this form to: STATW Debt Recovery LLC dba Genesis Their P.O. Box I want to dispute the debt because I think: -This is not my debt -The amount is wrong -Other (please describe on reverse or attach additional information). -I want you to send me the name and address of the original creditor. -I enclosed this amount: Make your check payable to STATE DEBT Recovery LLC, dba Genesis. Include the account number 0004531455 You can also pay online at: blank

I filed my taxes through TaxAct and last night I received an email from their reviewer (a very generic "we need more time to look at this" email) - After I received this, I started receiving emails from other personal Gmail accounts to TaxAct with my email CC'd - one of them actually greeted me directly, as though I were the TaxAct representative. I'm not sure how this happened, because when I look at the original message it appears to be addressed only to me. The only thing I can even think of is that perhaps these other people were BCC'd on the email addressed to me? Because they for sure have my email copied in their replies. This seems like a huge breach of data privacy as I now have full names and email addresses of their clients, and they have mine. I tried calling their customer support this morning and the rep I spoke with didn't seem to understand why I was upset - and when I asked to speak to a supervisor I kind of got placated and passed around with a "they'll call you". I'm not sure if this truly breaches any kind of data privacy law or how I even begin to handle it. Location: California

just got non-renewal letter from liberty mutual. The reasons are the 4 claims in the last 3 years. All claims are from the repairs of a music instrument which I added as an addendum to the home policy. The 4 claims are <$1000 in total and the highest one is $400. As there are no duductibles and the liberty mutual customer service did not warn me of any consequence of these small claims, I just made the claims. I have quoted online 2-3 companies and answered "yes" when they ask claim history, they all rejected to provide coverage. Should I negotiate with liberty mutual to continue the policy by droping the instrument addedum? Or move on to a new company by telling them the details of these non-renewals and opt out the coverage of the instrument? With claims totaling less than $1,000, am I shut out of the insurance world?

Hello! I was in a no-fault accident pm 2/25/25. The lady ran the red light and hit me. Here's the thing, my car is a 2023 outlander PHEV (57k miles) that just came off the lot and still had temp tags. I had the car for two weeks. Market value for my car states anywhere between 28k-32k. I called around to local banks as well to make sure I wasn't wrong in my numbers. Root insurance is only wanting to offer me $23,660. My car was in EXCELLENT condition considering it just came off the lot yet they listed it as Average. Additionally, they have forgone alloy wheels on the report for what ever reason. Am I able to dispute this? I already consulted a lawyer for the personal injury portion.