Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

Location: Georgia I rented a car in canada, but am a US citizen living in Georgia. The rental company (Turo) is claiming damage that I did not cause and wants me to pay. They say if I do not pay they will “send it to collections”. The company does also exist in the US, but since the rental was in canada, do they have any ability to try and collect from me?

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.

So I signed up for State Farm Auto/Renters insurance and all was well. I decided to switch agents because I was not happy with the communication speed I had with the old agent, so i submitted an Agent Change request online. It has been more than a month since the original request and only the Renters Policy moved. The requests show complete, but now I noticed my Auto Policy completely disappeared from my account. Did they mess this up and cancel my policy? I haven’t gotten any emails or documents online stating this. This has been so frustrating and I just want to not have a lapse in coverage for their mistake. Has anyone dealt with this or something similar?

Hello kind community. I am trying to make a decision for our 7.5 year old sweetheart. So, we have been on Pet's Best since she was young as my wife was able to get a discount through her employer. At 5yo, our dog suffered a bout of IVDD stage 4 and needed a hemilaminectomy surgery. (came in to something like 14k and we maxed out our 5k coverage.) The surgery went great and she recovered relatively quickly with the help of a lot of alternative therapies. Unfortunately, when we signed on for Pets Best, we did not opt for RAC care (rehab, acupuncture, chiro) We didnt even know this was an option at the time, it would have been a massive help had we had the RAC, so tip - OPT FOR IT no matter what, or make sure your provider covers this. Pets do SO well with "alternative therapy". Since the IVDD, we have been regularly seen by a vet who specializes in holistic offerings. She receives acupuncture and laser therapy and it keeps her in really great shape. She is about 80% to where she was pre-IVDD, but if we go to long without the acupuncture, her mobility dips some. These visits cost about $275 each. She also developed an eye condition (Keratitis & Keratopathy) about a year and a half ago, and has been seen by an eye specialist to reverse and retard the condition with eyedrops with great success. At this point they only want to see her 1x/year. Latest note from this vet reads "She has no active keratitis, controlled (if anything, improved) corneal pigmentation, and is otherwise normal on exam." Pets best has been paying our claims for these visits. The only other claim we've submitted was for getting a foxtail pulled out of her ear canal. \* So, Pets Best sent us a notice of a 2x increase in our premium, leading us to look in to switching to see if we could get something better. Through this wonderful community I came across Physicians Mutual and am feeling like it will be a better option, and that even if we end up paying more we could be in better hands. My fear, however, is that in the switch, anything related to her eyes will be seen as pre-existing. It would be great to get that yearly eye specialist covered but I understand that it may not be if its related to the keratitis. But in the future if she develops cataracts, ulcers, etc in her eye, could it be denied? **My main question**, is related to her mobility upkeep. Would we be able to get acupuncture + laser covered under alternative therapy, as "preventative care" instead of having it tied to the IVDD? Its unclear in Physicians Mutual's documentation how they provide/decide for alternative care. She has not had any incidents related to IVDD in 2.5 years, but there is always a risk that it could show in another area of her spine later. Does anyone here use Physicians Mutual for Acupuncture, or has anyone here successfully added RAC care to their Pet's Best policy post-incident? I feel that even without her history, as she ages we would be opting for regular acupuncture and laser as her primary preventative care. Any insight is greatly appreciated, thanks everyone.

Help me understand this one. My wife was injured by my neighbor's dog, knocking her down and tearing her ACL (it wasn't aggressive, just large and friendly, freak accident.) Surgery was very expensive, went through my employer based insurance, no big deal. We start getting letters from Conduent, asking if someone else was responsible. Yes, neighbors dog and property. Gave them the insurance info, we all expected some subrogation of claim and I'd prepped my neighbors for that. Then I get another letter asking about what legal representation we retained in a suit against them. I called them and told them we haven't sued them. That we have a good relationship either our neighbors, it was a freak accident, and we aren't litigious. The woman sounded extremely skeptical and said something to the effect of "let's see how you feel about your neighbors in a few months. I'll check back in 6 months." It was the tone that really bothered me, sort of like "oh you just wait and see, you will!" Like something is coming down the pike that's really going to ruin my day and make me want to sue my neighbors. Can someone walk me through this one? Insurers work together in auto accidents without requiring litigation, I figured it would be the same thing here.

I got a much better quote from New York life insurance for a life policy then my current State farm policy. It's my busy season of work and I was hoping to be able to docusign or just cancel over the phone. I was told I need a wet signature which means I'll have to take off a day or half off work. Part of me wants to just cancel my auto and home policies as well with them over this. Are they just being difficult with me or is this standard with State farm?

I wasted hours giving them information, more personal than any other company asked for, all the while them promising me several times that they are writing policies for my area. When it finally came to the moment of truth they admitted they could give me a quote from Bamboo and the Fair Plan!!! I could've gotten those quotes myself in ten minutes, but instead spent probably 2.5 hours registering family members and giving them SS numbers, confirming phone numbers, etc. I swear they are in the business of compiling personal information rather than providing insurance.

I am a 33yo f and my sister is 30yo f. We both have geico, same coverages, haven’t been in an accident or have gotten any tickets in 5+ years. We both have newish cars. Hers is a 2024 Mazda and mine is a 2025 Nissan. We live together at the same address. Why the hell is her car insurance almost half the cost of mine?! I am so annoyed about it! Lol

I'm on my mom's blue cross blue shield medicaid IL insurance and for some reason I was kicked off last month and now it says I'll be back on next month. My mom isn't sure why that happened. When I tried to make an appointment yesterday my bcbs insurance ID wasn't working when it always has. But I NEED to go to a hospital some time soon. Will my medicaid ID work or are they together? If it doesn't work does that mean I'll have to pay out of pocket if I go before next month.