I have one of my dogs on insurance, the other one isn't, both of them ended up with allergies before I was able to get insurance going (my first girl showed clinical signs in the first 2 weeks). It's unfortunate as they're both rescues and it's a bit out of my control as they weren't puppies when I got them. I'm thinking about cancelling my first girls because it's done absolutely nothing for me, and switching to Banfield's care packages. I currently pay $45 a month for one of mine. Just curious if anyone has experience with them, and if so do they think it's worth it over actual pet insurance?

Hi all. I recently leased a new car because the used car market was so atrocious in my area it was cheaper to go this route (context: they want full coverage so it's more expensive than the baseline cheapest policy I can otherwise get in NYS, the insurance checks on the used cars I found were comparable). My monthly rate is 500$/month w/ Progressive. Which is way more than the damn car. I'm a new driver, female, 24 (FML). I understand being young and new is whatever but 500$?? This was the cheapest my agent could find but I really want to shop elsewhere and look around before the next insurance renewal rolls up.

Hey guys, im a 24 year old male living in Ontario and just got hit with a complete blindside. I’ve been insured on multiple vehichles through different companies since 2018, no tickets, pullovers or anything. I just bought a new truck and found out when getting quotes that I have 2 at fault accidents on my record. The first was July of 2021, my 67 mustang hit a pothole and caused some minor damage to the fender. I called intact and asked some questions and they said the only way I would get any money towards repairs is if I put it through as an at fault-after hearing this I said no thanks and paid it myself. They never said anything about this going on my record, the whole point of me paying out of pocket was to avoid this. The second was on my truck in Feb 2024. I was in Colorado and my brother needed to move my truck out of the driveway, it was late at night and a neighbour was parked somewhere it was hard to see and he bumped into it. My truck was fine and I was away so I didn’t deal with any of it directly but my brother used his personal insurance to pay out the damages but this is on my record as at fault for me. Is there anything I can do to get this off the record? I’ve talked to so many insurance agents who just shrug and say they won’t insure me and that the circumstances don’t matter. I’ve had insurance since I was 17, paid over $25,000 since then and cost insurance companies $0 and they won’t insure me.

Fraudulent charges trying to get them resolved since October. Last month I finally got them resolved and they sent me a letter about the claim. Closed the account, 0 balance. Today they took back a credit for 78.20 and now the account shows a balance even though it is closed I cannot pay it! Already brought in CFPB!

I just got our policy renewal from PB and saw our premium doubled! Once my shock wore off I found my way to this subreddit and found other posts of people saying the same, sounds like a private equity firm bought them. Ugh. I'd be curious to hear from some of you who made the switch to something else -- who'd you go with? Are you happy with them so far? For context we have a 4 year old basset hound and are getting a puppy the same week our policy is supposed to renew, so this comes at a somewhat convenient time. Our current dog got a breakthrough case of parvo when he was 1 and did a stint in the e-vet (which PB was really great about) but hasn't had any other health issues since. I don't \*think\* parvo would be considered a preexissting condition since he made a full recovery, but you never know with insurance companies.

I have received a debit card from OnePay by mail. I didn’t register for their service. It looked fishy to me, but I called their customer service, they requested my last 4 SSN and date of birth to investigate. I insisted them to check if there exist such an account without that info but no luck. I was hesitant to provide my sensitive info. The card is issued by Coastal Community Bank. Should I call the bank instead? Does anyone have similar experience? Planning to report it to FTC and local police. Have already security freeze on file for all credit bureaus for years. Have also checked ChexSystems report, but shows no activity. But this has happened. Thanks

Our older Bernese is insured through Trupanion, which has been very easy to work with on hi lymphoma. So far they've covered chemo really well, and we're even considering a stem cell replacement therapy (which costs $75-90k) and it seems like they will cover that as well. We are thinking ahead for our younger berner, Leela and are going to purchase pet insurance for her. Trupanion has been great for Jackson, but for some reason they are 3x+ as expensive as other options ($600/mo for 90% coverage and non annual limit). We're also looking at Figo, Pet's Best, pumpkin, and Prudent Pet. Important considerations are unlimited annual payout & a 90% coverage level. Berners tend to get cancer, and we want to make it an easy financial decision to get her the best care possible if that happens for her. Do you have experience with any of these insurers (or have others that have been good to work with?) Seems like there are many many options, and would like to avoid picking one now that is difficult to work with down the line. Figo, pumpkin, and Prudent Pet are similarly priced at around $130-180/mo. Pet's Best is coming in way less expensive, $90/mo for a $500 deductible and $55/mo (!) for a $1,000 deductible. Particularly interested in any of y'all who've gone through cancer treatment with these carries. How has it been?

Recently my father passed away. I’m his only child and there was no will, however, I moved out a few years ago and my mom lived there with him even though they’re divorced. I never probated the house or got it put in my name so I’m sure that will be an issue later if I did want to file a claim through State Farm later on. What I need to know is if I should file a claim or fix it out of pocket? My mom has let the house go in a pretty terrible way. Before my dad passed it wasn’t great. The floor was bubbled up in some places and sunken in others. When the upstairs toilet overflowed the chandelier fell off the ceiling in the kitchen. He filed a claim through State Farm once in 20 years to get new carpet but it did not fix the underlying problem. Now there’s holes in the ceiling, in the floor, in the walls. And there’s rats. You sit on the couch and you can hear them scratching in the walls and running through the house. The back deck has unattached itself from the house and is falling apart. I feel so bad for my mom and I don’t even know what the problem is much less how to begin to fix it or who to call. Please please any kind of advice would help. Edit: I think that the holes and the problems with the floor being sunken and swollen are from some kind of leak?? Maybe under the house but I’m not sure. I know insurance won’t get rid of rats or anything like that. I just wanted to know if the other stuff was able to be claimed had it been a result of something else like a leak.

Location: Arizona Was in an accident and Farmers client was at fault. I had borrowed a car but had to return it. My insurance company offered a total loss on my car that was being repaired which I accepted but I had to rent a car while I looked for a new one (which took a week ) Farmers is refusing to pay for that rental because they said they are not legally obligated to pay for anything after the offer was made to pay for my old car. Is this correct ?

My grandma has a dog and we helped her get insurance for him a while back, but her dementia has progressed quickly and pretty dramatically so my mom has taken over his care. (My grandma lives with my parents so she’s always had a big part in his care but now my mom has him full time). We have Lemonade. My mom told them what was going on and they said they could add my mom as a co-owner, but then she couldn’t make adjustments or any changes to his policy. Otherwise, she would have to cancel his account completely and start a new one under her name. She wanted to cancel it and start it under her name since sadly my grandma will not get better and she wants to add dentals to his plan, but he did have anal gland issues this year and lemonade said that if he has anal gland issues in the future they would no longer be covered under my moms plan because they would be considered a pre-existing condition now. Just looking for advice on what to do. It doesn’t seem fair, but I know insurance isn’t fair lol. Should we look at other insurance options? Or just add my mom as a co-owner? The anal gland issue was expensive so we don’t want to lose coverage on that if it comes back but also it sucks that my grandma has something we couldn’t predict nor control and now we’re in this predicament. Any advice would be helpful!!