Hello, I adopted a rescue dog in November. I purchased Fetch insurance in March. They will not cover any anxiety meds or treatment for his anxiety due to it being "pre-existing". Early vet visits mentioned his anxiety . I'm pretty discouraged that this is being held against him. Are there any insurance plans that cover behavioral issues despite it being pre-existing. My vet even argued that my dog has Seperation Anxiety which is a different dx than anxiety and it was still denied.

Sorry in advance. My minds a mess and I feel like venting to reddit might give me some insights and make me feel slightly better. I was in an accident recently with two cars. I was stopped at a stop sign and one car made a left turn in front of a car going like 90 mph straight. The straight lane car hit the turning car and bounced off it right into my driver side door. He smashed my car hard enough to push me several feet over a curb and through a chain link fence (maybe 15 feet?). I crawled out of my passenger side door as fast as I could because the car that hit me caught on fire quickly. His car was maybe 5 feet away from my door after the impact. The left turning car and straight car both went to the hospital by ambulance. I got picked up by my fiance and went right after. I've been talking with the at fault party insurance company and it's abundantly clear to both parties I was zero fault. They came to an agreement of 65(turning car) - 35 (straight car) for fault. My life is

Let me preface this by saying I might totally be in the wrong here. I hit a deer a few weeks ago, messed my car up pretty bad. It’s a 2017 Mercedes C300. The hood, bumper, grill, and right headlight assembly need to be replaced. Right fender can probably just be repaired. Regardless, estimate of the damages came out to about $7,700. I was SURE this would total the car, as I knew that my car was only worth $9-$10k. I had been trying to sell/trade it for the past year. It has 110,052 miles on it, cosmetic damages, coolant leak in the heater core, needs a new purge valve, etc. I have had four different dealerships tell me that it’s worth no more than $10k, and two offered me $5k to buy outright, other two offered $7,600 which is what carmax values it at. MERCEDES told me the car was not worth putting $8k worth of damage into and would give me $5k for it. Progressive tried to tell me it was worth $16,475. This number is based on what dealerships SELL my car for on average. My question is… if the car were to be totaled, they would NOT give me $16k for it, because that’s not what it’s worth. So how can they value the car at that price? It’s also a hypothetical number with dealership markups. They never sent anyone out to look at my car, they never asked about previous damage, NOTHING. The guy kept blowing me off and stated that they won’t run the value unless it’s totaled and flagged and we had not gotten to that point. Is this even legal?? I’m supposed to have the estimator call me tomorrow, but as far as I’m concerned, all he did was plug my vin into Mitchell Connect and say that it would sell for this so that’s what it’s worth. Should I fight harder? Everyone I’ve spoken to has told me to.

I have a pair of Sphynx cats—both female, spayed, and 1.5 years old. Right now, I have Trupanion for their pet insurance, and overall, I’ve had a good experience with them. That said, one of my girls had an allergic reaction earlier this year that required multiple follow-up visits, and the out-of-pocket costs for exams alone really added up. I reached out to Trupanion, and they said I’m allowed to have a separate wellness plan from another provider to help cover things like exam fees and routine care. So now I’m on the hunt for a solid wellness plan—mainly one that covers exams, vaccines, and most importantly, the annual HCM screening for both girls. Trupanion might or might not cover that since it’s kind of a gray area between diagnostic and preventive. I’m betting they’ll treat it as preventive, so I want a backup plan. Any recommendations for wellness plans or other insurance options? Every time I think I’ve found a good one, I come across a flood of awful reviews (though I know that’s just the nature of insurance). I do plan to call and confirm coverage details before signing up, and I’ll also ask if they can review my girls’ vet records to determine what they’d consider pre-existing. Thanks in advance for any suggestions!

Hi all, Looking for some advice on this situation: I had a motorcycle insurance policy with Hastings Direct while riding on a CBT (A1/A2 licence). A few days ago, I passed my full A licence and phoned them to update my details. They then told me that, due to their underwriting criteria, they can no longer insure me with a full licence — and that the policy would be cancelled from the 18th of July 2025. Shortly after the call, I received an official email confirming the cancellation. It states: “We’re writing to let you know that your bike insurance policy has been cancelled… This is because of the new information provided. Based on these details, it means we can no longer cover you.” However, during the phone call, I specifically asked if I’d need to declare this cancellation to other insurers. The rep told me no, I wouldn’t have to, because it wasn’t cancelled due to anything I did wrong (no missed payments, no claims, no dishonesty). They said it was purely down to a change in licence type and eligibility. I’ve emailed them asking for that in writing to cover myself — but in the meantime: ⸻ My questions are: 1. Do I actually need to declare this as a cancellation when applying for future bike insurance? 2. If I don’t declare it (based on what Hastings told me), can another insurer later void my policy if they find out? 3. Has anyone else experienced something similar? ⸻ I’m trying to avoid getting hit with sky-high premiums over something that wasn’t my fault. Any advice from people in the industry or who’ve been through similar would be much appreciated! I’ll be pretty shocked if I find out I need to declare this going forward as the policy cancellation outcome has been completely out of my control. Simply phoned to let them know I have now passed my MOD2, I wasn’t looking to change my bike or anything else whatsoever and wanted to continue my policy for the time being with my 2011 Honda CBR. Also worth mentioning — Hastings waived any cancellation fees, and I’m getting a refund for the unused portion of the policy. That seems to suggest they don’t consider it a “bad cancellation,” but I want to make sure I’m not risking non-disclosure by trusting what they said on the phone. Thanks in advance.

So, in December my son took one of our cars from Florida to Virginia for university. VA required limits are much higher than in FL and changing the limits, plus garaging the car in VA, raised our Progressive policy to almost 3 times it's cost. Instead, it was suggested by the insurer we get a different policy for the car in VA. And we did so, through Geico. Now we have 1 policy in VA for my son and I and 1 car. One policy in FL for my son and I and the other car. Today, I received a notice from the state of FL that they are going to cancel my registration because the Cadillac (car in VA under Geico policy) doesn't have insurance, according to their records). Sigh. Will FL accept the VA policy? I can't really register the car in VA since I don't live there and the car is in my name. And both the kid and I have FL licenses because he is a student, so his residence is still FL. Is the only solution to pay 3 times the amount?

Location: New York State I recently moved and set up auto deliveries with Amerigas, mistakenly assuming auto payments were set up as well. On the morning of March 25th, I discovered my propane service had been cut off without any prior communication or notice, leaving my home cold and smelling of propane. I immediately paid my invoice in full upon realizing the mistake. However, when contacting Amerigas, they stated they couldn't restore service within a reasonable timeframe (2-6 days) and refused to allow another company to fill the tank, which I believe violates the Propane Consumer's Bill of Rights. Additionally, they indicated I couldn't purchase the tank, contrary to my Residential Customer Agreement, and didn't provide the Propane Consumer's Bill of Rights in our contract, which is another violation. They also mentioned no notice was needed before service disconnection, which I understand contradicts New York State Heating Fuel Customer Rights. I have been a customer for six months with no prior issues. What legal options do I have regarding these breaches?

So awhile back my husbands car was broken into on the street and things were stolen. All I did was called AAA and asked what the deductible was. Well that someone caused them to cancel my policy even tho a claim was never filed. Has this happened to anyone? Everytime I call, they say I can’t have renters insurance if I already had a claim. Are all renters insurance like this? You’re only allowed 1 claim then they cancel you? But again, no claim is on file and nothing was done. All I did was call and ask what the deductible was.

I bought my condo five years ago and have Homesite Insurance (according to my recent research, this is not good…). I just filed a claim with them about what my plumber suspects is a faulty toilet wax ring which has caused water damage in the condo unit below mine. Chances are my bathroom will be out of commission for a bit. My question is this: has any one had at least a neutral experience with Homesite? Any tips on how to make sure they do what they’re supposed to? I’m doing my part by brushing up on my insurance policy. Any advice on how to avoid delays is greatly appreciated! I guess I’m just looking for a little hope, lol. Thank you!

Is anybody else's Figo insurance going up 40% in 2025? My rate is going from $425/yr to $700/yr. I reached out to Figo and they blamed inflation of all things, saying nothing could be done about the price. I was told Figo was one of the better companies by all my pet owner friends & family, but they have never covered a claim and at these rates it would be cheaper for me to just put aside $50/mo. Really frustrated and looking for advice.