My five year-old spayed female Pomeranian mix has been insured by Healthy Paws since I got her at eight weeks. They have reimbursed me for the full amount of my coverage within 36 hours every time, no questions asked, and our monthly premium has only increased slightly over the last five years ($40 to $45). However, I have heard a lot of stories about people who have had their monthly premiums with Healthy Paws increase by obscene amounts as their dogs get older. My pup does not have any history of medical issues so far—I am considering switching to something else while she is still young and healthy. Is that a good idea? What would be a better option? Any advice would be appreciated. We live in Los Angeles. Thanks!

I went to LensCrafters for an eye exam and new glasses and gave them my insurance information, signed the usual intake documents and paid for the retinal imaging. They told me I was all set and didn’t owe anything else. I have Davis Vision which is covered under LensCrafters but apparently my exam is not covered as I received a call from them asking me to provide a second insurance and that the coat is $179 if not. No one told me before, during, or after my exam that my insurance wasn’t in network and I didn’t think anything of it bc Davis Vision is almost always within network. Even during my visit, one employee had me wait so they could “double check my insurance information”. That would have been a perfect opportunity for them to tell me it’s not in network and discuss the subsequent payment. What do I do here? Can I dispute this?

I have a 9 y/o Bengal male who had a bout of diagnosed stress colitis three days after I took him from his long-term family and before he was covered. Now, he has diagnosed pancreatitis, which is a totally different thing, of course. However, apparently because they have similar symptoms, the stress colitis is being treated as a "pre-existing condition" for the pancreatitis by Spot. This is ludicrous, and my vet agrees. I'm going to challenge it. Does anyone have any tips about the challenge and/or the paperwork I have to submit? Has anyone successfully challenged Spot or another pet insurance? If the challenge doesn't go through, then I'm canceling Spot and just going to pay whatever I have to pay instead of giving them money each month. If they can say something is pre-existing simply because two diagnoses share symptoms, then I don't trust that I'll ever see any reimbursement of costs at all. What if my cat gets diagnosed stomach cancer, which can cause symptoms similar to stress colitis and pancreatitis? Does that mean then they won't cover it? Seems like they at least have that prerogative to do so. Thanks in advance for your help!

Hi, I’m new to this sub. My husband got brinks security system before we got married, few months ago I was going through our monthly budgets and saw $65 for brinks subscription for the cameras barely working and not recording anything when something important happened. For example somebody broke in to my husband’s car and camera didn’t record then I called them and they asked $1500 for cancellation because it’s 5 years contract.. I hung up and was planning to take it to small claim court but some other major life events happened and I didn’t think about it until yesterday when somebody hit my husband’s car in front of our house where the camera supposed to record but it didn’t.. I’m so mad and want to get rid of entire system from our house and don’t want to have any legal attachment to them anymore. How can I do that without paying $1500? Would small claim court fix this? I’m willing spend few hundreds if needed. Location: Augusta, Georgia Thank you in advance to all of you.

I have been dealing with new health issues and it’s freaking me out. I was previously on medicaid under my mother but became ineligible after I turned 19. I cannot enroll for myself because I was denied twice already for other reasons/don’t meet this “qualification.” Before that happened, I was with a provider who ordered a scan for me that showed something but I had to cancel the appointment after losing coverage. My mother then unfortunately put me under a plan under UHC but after I started having issues with them (plus all the things that’s been said about them in general), I’m thinking I should look for another. I’m not sure where to go from here though because it’s passed the enrollment deadline since a while ago and I do not meet any of the special circumstances to enroll. Both of my parents are on medicaid so that’s not an option for me anymore. (for context I am 20F in college, currently don’t work a job, and from Illinois)

Has anyone else had issues with them. Recently had hail damage to home and they gave my contractors heck. The adjuster did a half azz job while taking notes for the claim. Contractors came and wanted to add more due to the OBVIOUS DAMAGE that was left off. They denied it. Meanwhile im watching my neighbors get their siding replaced along with their sheds lol. Im between these two homes at that. They also called contractors lying saying photos weren't real and I had to go and prove and sign off that they were. You pay as you should and when its time to use them they nickel and dime you.

I’m moving to a new state and currently have renters’ insurance with State Farm. I filed a claim for a theft in my building a couple of months ago, where a large amount of my personal items were stolen from what was supposed to be a secure mailroom. Last Friday, I contacted a State Farm agent in my new state to set up a policy for my next apartment. After taking the weekend to get back to me, she said she had spoken with the underwriting department and they couldn’t write me a policy because of that claim. She specifically said I couldn’t have an active claim in the last **24–36 months**. That doesn’t make sense to me. Why would the rule be a range instead of a clear cutoff? Is this standard insurance practice, and I’m just unfamiliar with it, or did she give me incorrect info? The vague timeline feels odd, and I’m wondering if she was just making it up or if she has the information wrong. I ended up going with a different insurance company anyway, but just wondering if she was BSing

I have Delta Dental PPO. I get 2 free cleanings per year. One xray per year. Earlier this year, I got a cleaning and X-rays done at one dental office, but they dropped me as a patient because they stopped accepting Delta Dental. For my second cleaning, I scheduled with a different dental office. The receptionist there has been difficult to deal with. I explained that I already had my X-rays done at a different office and only needed a cleaning. She pushed back and said, “How can you get a cleaning without X-rays?” She asked if i can email the xray images, so I contacted my old office and had them send the X-rays to me and then i sent the all the xray images to the new office. After i emailed the xray images, the receptionist said I would probably need to get new X-rays anyway, but that I could wait and see what the dentist says. I explained that I’m only allowed one set of X-rays per year under my plan and that I’m not due for another one until next February. She said, "I KNOW! But how can we provide proper care without knowing what is going on." I reiterated that I only need a cleaning and can wait until next year for another x ray and she seemed to understand but not without an attitude. When I showed up for my appointment, she incorrectly said she checked my insurance and that I was eligible for another “free” X-ray anyway so it doesnt matter. I reminded her that I had already emailed them and dont need them again. She asked what email address?? She couldn’t find them in my chart until I opened up my phone to show my sent messages, then suddenly she “found” them and said never mind. Despite that, they still insisted on doing a single bitewing X-ray and said I would need to return on a separate day for the cleaning. I’m frustrated because I feel like I’m being forced into extra appointments and services I may not need or be covered for. Will I be charged out of pocket for this second X-ray, even though I already had one set done earlier this year? I thought Delta only covered one set annually. Has anyone else dealt with something similar? I also want to add that the other receptionists, dental assistants, and dentists have all been very nice and easy to work with. It's just this one receptionist that is very difficult to deal with.

I adopted a cat just under a year ago now. She is a domestic shorthair and will be two years old this April. While she hasn’t had any major issues yet, I grew up with family pets and know it’s only a matter of time before I end up with a $1000+ vet bill. I’ve been looking at pet insurance companies and reviews and none of them seem good? Either everyone seems to have major complaints about every single one or their coverage is really weird. I’m still going to get one, especially since I believe my cat is starting to develop gingivitis and as far as I’m aware, it hasn’t been noted by the vet, so I’m hoping it won’t be counted as a pre-existing condition. I was originally interested in SPOT but then saw that a bunch of people said they were a scam, so I started looking into others. The top three I’ve been debating between: Fetch, trupanion, and nationwide. I really like the price and coverage of Fetch, but I’ve seen a mix of both bad and good reviews on them. If anyone has any good/bad experiences I’d appreciate it, especially with cost/coverage changing as your pet gets older. Then there’s trupanion, which I love that they claim to not increase the price as your pet gets older, but I’m unsure about their deductible since it’s per condition instead of annually. It seems great for pets that develop chronic conditions, but maybe not great for illnesses and accidents that I’m assuming would each fall under their own “condition” and thus leave you stuck paying the deductible every single time. If anyone can shed some light on this I’d appreciate it. Last, nationwide was recommended to me by my sisters friends. For around the same price as trupanion, their coverage includes additional things like dental cleaning, wellness, exam fees, etc. I’m just worried about the price hike that might occur as my cat gets older. Please give any recommendations and/or experiences, either with these three or with other insurances you’ve used ♥️