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

I was hopping someone could help me. My family is adopting a puppy this April and we want to get insurance coverage for it. I have read reviews online and here and it seems like people don’t like most companies because, shockingly, insurance companies don’t want to pay up. So I guess what I’m asking is does anyone have a recommendation for a company that reliably pays claims? I’m not too concerned about reimbursement times a month is fine, but I just don’t want to get scammed. It seems Trumpanion is very popular but also is 2x the cost of everyone else, To the tune of 1200 a year. It seems from the research I have done, Lemonaid, Figo, Fetch and Met Life have plans I could work with. Fetch being the cheapest and covering initial visits which is cool But concerning that it’s so cheap. Also is 10,000 annual coverage sufficient? I live in Seattle suburbs and have no idea what stuff costs. Thanks for any insight you all might have.

They have declined every single submission I have made, saying out of network on everything (including doctors that are on their list). They won't even apply out of network payments I have made myself towards deductible. The insurance is a joke, I have to resubmit everything multiple times. I've been a massive fan of ACA till now (blue cross, Capital, etc). Is there anyway to get out of this insurance?

Hello, So last year I got bit by a stray dog and had to go get my rabies shot. I went to urgent care first where they told me to go to the ED (nonprofit) down the road to get the shots. I went to the ED, got the shots, and went on my merry way. I got a bill yesterday for the shots where my insurance (TriWest as a dependent) paid for $25,000 of the $28,000 and the hospital left the $3,000 balance to me. Is there any way I can find out if the hospital gives assistance? I’m a college student and I can’t afford such a high bill with every other bill I have so I just want to pick your brain on ways I could possibly reduce this. I am in Texas, and I currently have no income. Thank you!

I recently almost got into an accident where the person in front of me stopped in an active lane of traffic and I had to hard brake. I stopped short of hitting the guy's bumper and we both pulled over to check if there's any damage. Confirmed no damage but he made me exchange phone numbers and driver's license info with him and we took pictures of the cars before going our separate ways. I didn't file a claim nor let my insurance know since there was no collision to begin with. A couple of days later I got a voicemail from his insurance's claims adjuster saying that a claim was made against me for a rear-end collision. Since it was after-hours I called the general support line for his insurance and got a hold of a live agent who was able to give me more information and what to do to dispute the claim. I've provided the pictures and dashcam footage leading up to the encounter to the claims adjuster and also filed a claim with my insurance because there's no other way of getting a hold of someone in my insurance until the weekday (I blame Tesla Insurance for shotty staffing). I wanted to ask the community if there's anything else I should do or be aware of in this process. I think the guy is trying to make a claim that I damaged his bumper as he had existing damage there (I confirmed in the pictures and the dashcam footage). EDIT: Forgot to mention that I plan on calling the other guy's claims adjuster as well as the one assigned to my claim to confirm receipt of information and if I need to provide anything else. I sent the pictures and dashcam footage to my claims adjuster as well.

I recently took my cat in for a mouth surgery to remove an infected tooth. The bill came out to be almost $600. Since I wasn’t enrolled in the wellness rewards it only covered $108 after a $200 deductible. When I pay $130 a month for both of my cats. When I first got this it was $60 for both of them and it has now doubled over the years to only cover a 1/6th of my cats surgery? I can’t believe it. Any recommendations for any pet insurance for my cats? They are pretty healthy overall indoor cats, I just like to keep this for my peace of mind in case anything happened but with this recent increase year and now this, I can’t justify embrace.

Today I bit the bullet and got Embrace. My mom has spot for her animals but only accident and illness. I chose embrace because it was a little better financially and would cover wellness exams. I wanted to see everyone’s opinions on different insurances. I get the impression that many don’t like embrace which is a little worrying to be honest, but I’m going to wait and see how I like them after I get my dogs anual done. She’s older and I just wanted her to be covered by something before I bring her in. Seeing that most if not all of the insurances will not cover anything preexisting. I did ask about a preexisting condition in my dog (torn ACLs) and if it would be covered since that hasn’t been an issue for years. The lady I talked to said that since it has been an issue in over 12 months it would be fine, which I found pretty surprising tbh. She explained it like - if your dog had a belly ache 3 years ago and it came back that’s something they’d cover. But if it was a chronic thing before you started insurance then no.

Need a new home insurance company! WILL NEVER USE STATE FARM AGAIN! They have been the absolute WORST! Looking for some direction here… What are some of the Best companies I should be looking to switch to?

I pay into a CalSavers account. I received an email five days ago saying: "per my request all correspondence will be sent to:" \[an email which is not mine\]. It looks like a scammer domain. I don't remember registering to access the account on the CalSavers website, though I may have during the enrollment process when I started the job. Either way, I can't access the account as it doesn't recognize the email I would have used. Is it possible someone has stolen the money by transferring it out of my account? I don't imagine scammers would waste time as soon as they have access... I can't call CalSavers until their office opens tomorrow.

Earlier this year, I was involved in an accident where I was side swiped by a gardener truck. I was on a residential street and slowed down to look for parking. The gardener truck was behind me but decided to pass me, and when I drove forward a little to park further up, the truck merged back into my lane and struck my car with the equipment hanging off its trunk. They sustained no damages while my drivers side window shattered, mirror broke off, and fender/door sustained damages. Around 2 months ago, we received a letter from their insurance saying they assessed 55% negligence on their insured driver and 45% on me. They were also willing to pay for 55% of my damages. My insurance decided to take them to arbitration. During this time I received 2 letters from my representative. The first said that while the other insurance company has accepted full responsibility for the accident, they have not been able to reach a settlement for damages paid. I then received a second letter a month later saying that the arbitrator has ruled in favor of the other party. This seemed like a complete 180. I was shocked to learn of their final decision and emailed my representative asking if any of my $1,000 deductible would be recovered. She said no and sent me a copy of the arbitration decision which stated the following duties breached on my end: vehicle failed to keep appropriate lookout and they failed to maintain safe parking maneuvering. Is there anything I can do at this point? I know the arbitration decision is binding and final but I am honestly just stunned, especially because it felt like the truck failed to safely pass my car. I spoke with my insurance and they said my premium will most likely double. Is this fair?