My parrot was diagnosed with avian chlamidiya at 2 months. He went through medication and was fine. I have nationwide insurance Nationwide says I cannot get that removed without another expensive chlamidiya test that won’t be covered. Recently I was very sick and while I was sick my bird got sick. I took him to the vet and they gave him different meds and said it’s most likely a respiratory infection, which is also what I had. They specifically put that it was a respiratory infection and not chlamidiya which a pretty serious infection. Nationwide marked it the same as chlamidiya and refused to cover it, said it was preexisting. There are a billion things that cause a respiratory infection in birds. It’s not fair that every single thing he can catch will be lumped in with a very serious condition that he had when he was 2 months. They told me I need the SOAP notes and a letter from the vet which I will be getting. But I will be looking for a different carrier for pet insurance because this is obscene and I already have a $250 deductible with this I wasn’t even getting anything back this was to just go onto the deductible!! I appreciate any help you all can help because I’m at my wits end here I’m going through way too much and I can’t take anymore

I’m looking for reviews of Physicians Mutual pet insurance and wondering if anyone can answer some questions I have about their sample policy. I’m mainly wondering about their “per incident copay” and “covered incident limit”. I called for more information and the guy I spoke to acted like that was the first he’d ever heard of those terms. So I’m wondering if anyone knows what these copays and limits are or if they even exist? Any info is appreciated!!

A couple of months ago I was involved in a small fender bender. I turned right leaving a parking lot, which ended up being a right turn only lane and I needed to go straight. Naturally I began the process looking to merge left. The lane to the left was a turn right or go straight lane. I am looking into my left mirror to see if I have space to merge while also seeing which cars are turning right as I would have no other choice but to make the right turn if there was no opportunity, to avoid a T-bone like situation I notice plenty of space behind Vehicle A once they passed me up. As I am looking at my mirror, Vehicle A speeds up and doesn’t have their turn signal on, meaning they should be going straight. I slow down so they can pass me up and all of a sudden Vehicle A decides to make the right turn abruptly as if they were late to something. They did not see me, but I saw the car, beeped, and did my best to turn along with Vehicle A to mitigate any damage. We collided with typical fender bender cosmetic damages. Within 3 minutes between collision and pulling over, the drivers dad shows up out of nowhere and does the majority of the talking for her. He was saying things like “it’s up to you if you think the hassle of going through insurance is worth it” which I took as discouraging going through insurance because they felt they were in the wrong. The cop pulls up and is very quick to deem me at fault without any major details (Vehicle A had police plates lol). Cop gave major attitude when I asked how I can retrieve the traffic camera footage as it captured the incident perfectly. I also was not cited for anything. I was able to retrieve the traffic camera footage and submit as evidence to Vehicle A’s claim. I was on the phone with the adjuster as she reviewed the evidence with me. She told me it was most likely going to be deemed double fault for “unsafe lane change” and the opposing drivers failure to indicate a turn signal which the footage showed. I understood and was told I’d be contacted before a decision was made. The claim was closed mid February and I was never contacted, so I assumed the claim was denied. Today I reached out to the adjuster to verify and was told the case was closed and I was 100% liable for “unsafe lane change”. I inquired as to what caused the change from the double fault I was told about to this, and was completely ignored in the adjusters reply as she just stated that she’d resend the letter. The letter is very minimal and doesn’t mention the cause for liability. I am livid that the driver gets to walk away with nothing on her record for her negligence. I understood no matter what I’d be affected, which I didn’t agree with as the wording makes it seem like I hit Vehicle A as I merged to the left lane when Vehicle A made the right turn that ended up hitting me. Is this just a poor insurance company or is the lack of communication common with insurance claims?

I have an 8month old puppy. He had some bile vomiting before our insurance kicked in. Long story short, he was sick recently and we thought he swallowed something. When I put the claim in Lemonade denied me. They said vomiting is a "pre-exisiting" condition. Which is nuts? Has anyone dealt with this? Am I crazy to want to switch insurances? Will this ever go away?

Someone hit my crappy but reliable car on the way to work a few days ago and their insurance (state farm) is trying to declare the car a total loss, but the cost of the car won't come close to getting me a new used vehicle of the same quality. The damage to the car is mostly cosmetic with only about $1000 in repairs required to get the car on the road again. But ~$4000 to repair the cosmetic damage. The mechanic suggested I try to call them and let them know that I wanted a lower payment in exchange for the car not being totaled but whenever I call state farm I'm immediately redirected to their total loss department. Is it at all likely that I'll be able to instead do a cash claim so that I can keep my car or am I just competely fucked?

Just wanting to throw this out there - if you are enrolled in a Voya retirement plan, they rolled out this new "AI advisor" service to accounts. It allows you to have a Empower-like interface to where it can calculate your retirement income based on savings from various sources including Social Security. That part of it is pretty nice, no complaints there. Though I am a bit concerned about the visibility of other account data to my employer, though I'm sure there's privacy practices in place against that. But when I was clicking around and not intentionally doing anything, there was a orange notice icon by a bell at the top. I clicked that and it had a dialog stating "Updates Needed for Plan Accuracy" - and that's where it's very alarming. I'm under age 30. I should NOT be in bonds. I DO NOT want to be in bonds. Nor do I want to be invested international. For some reason, this AI advisor tool wanted me to re-balance to be 35% in bonds, and 30% international, with 5% of my contributions going to fees for the re-balancing. So be careful with Voya.

Hi everyone- a lady hit me with her car and 2 others. There is a limits issue and the insurance adjuster said i MUST go through my insurance to fix the car. I don't want too - I would rather just get what I can and fix the rest out of pocket. The insurance adjuster said there's nothing I can do until hear from your insurance company. Is this true? They will 1. Not give me any money at all. 2. I HAVE to go through my insurance. My car is under my parents insurance and I don't want to touch their stuff. I don't care if I'm not at fault. This was only temporary until I got my own insurance.

I started getting calls asking if I am accepting new patients. I just said, I am sorry but you have the wrong number. After the fourth call I asked who they were trying to reach. I was told the name of the doctors office and read the number to me. It is my personal number and I have had it for 22 years. I went onto Blue Cross Blue Shield site and looked up the office and it does show my number. I contacted BCBS and they told me that they looked it up online and it is a different number listed there but they cannot do anything. She then told me to call the office and see if I could get them to change it in the providers portal. No one is returning my calls from this office, so no help there. I can't not answer my phone as I use it for my business. Any suggestions or insights would be greatly appreciated.

I’ve received a series of new and confusing EOBs denying claims I usually had had no problem getting approved quickly before. Pets Best informed me on the phone that they have a new automated system that some claims get filtered into that is causing some claims to be incorrectly denied. Wanted to update and post here because their customer service truly is so helpful and kind, and if you call them they will fix your issues by flagging your denials for manual review.

Bought my home back in 2018. My mortgage company chose Berkshire Hathaway and they paid them through my mortgage payments so I didn't pay BH direct. I got notice last week that my policy will be cancelled end of September. Do I need to shop insurance myself or is that up to my mortgage company since they have vested interest in my home? Can I tell my mortgage company what company and policy that I want?