I rescued a new 11 week old puppy and 24 hours later he was hospitalized for 3 days with cystoisospora, a parasite, and severe malnutrition. The rescue kept him in awful conditions and he was caked in stuff (food? Feces?) when I picked him up. He is coming home today with fair odds of survival and I am shopping for a new plan for him. I have a 30 day policy with Trupanion from the rescue but they don’t cover parasites (wtf). I’ve already spent $8500 on his care. He’s going to need a lot of frequent fecal samples and re-checks of his bloodwork. He also needs another round of de-worming. Does anyone have recommendations?

I've had Nationwide Pet Insurance for the past four years and up until recently they have been great. Recently my dog had a bladder infection and they paid out for that with no problem. We were told she needed to be seen again in two weeks for a follow up urinalysis and culture. However last week she started having difficulty urinating, called the vet and they wanted her to go back on the antibiotic for another week. I submitted another claim for the antibiotic and Nationwide only issued a quarter of the amount. I called them and they said we hit the annual limit they will pay out for a bladder infection, anything else they'll still pay, but this they won't until the policy renews next year. This was the first I was learning this, likely because we've never had the same issue go over the limit. As mentioned the vet wanted a follow up urinalysis and culture to be sure it was cleared up and they won't pay it. UTIs tend to be common in female dogs, so it seems absurd. We had the follow up yesterday and upon talking to the doctor, they used to recommend Nationwide frequently to pet parents, but not anymore and also said Nationwide has been dropping a lot of pet insurance customers lately and that it's seeming like they are trying to get out of pet insurance. They gave me some brochures for several different options they recommend and from what I'm finding Nationwide is the only one that caps limits on diagnoses. So I'm looking at changing providers and wanted to see what others recommend. I'm considering the following: \-ASPCA pet insurance (through my auto/renter insurer) \-Figo (through Costco) \-MetLife \-Lemonade \-Pumpkin \-Embrace My auto/renters insurance company does offer plans with ASPCA pet insurance and I believe Spot. I talked with them for some time the other day and I'm leaning towards going with them. They also offer a 10% discount because of my insurance. As for MetLife, my vision plan is with them and they've been amazing, but don't know if that necessarily means their pet plans will be as good. Also Costco is offering 15% off for members for Figo. Fetch was recommended by the vet, but their prices were outrageous. I also had Pet's Best the first year of my dog's life prior to Nationwide and was not impressed by them. If there's any I missed you recommend please let me know. Thank you in advance!

Long story short, I was driving home from work in my work truck F150. I had merged lanes to the left after my lane had ended. I was completely in the new lane. Fully stopped when I was rear-ended by a car. Called the cops everyone was OK etc.. Both vehicles had a couple thousand dollars in damage. Luckily there was a witness who stopped and told the police that it looked like it was the other driver who rear-ended me. Call my Insurance tell them the story they tell me I’m at 0% fault. And then about an hour later, they call me back, saying the other driver with no insurance and no license called and filed a claim on my commercial insurance. To my insurance said I was 100% at fault. I proceeded to argue with the progressive insurance claims adjuster. He said that I was 100% at fault for changing lanes. Fast forward when I get the police report. Police report clearly states she is at fault. She rear-ended me she received multiple citations, including improper lane change no license no insurance. I sent the PDF of the police report to progressive and within minutes he called me saying I am at 0% fault. My question is, why did I have to go through all of this thinking I was at fault and worry about rates going up? already installed front back dashcam :)

Hi all! So I'm in the appraisal process for my homeowners- mine is a hurricane claim (wind only not flood damage). Do they halt processing stuff like ordinance in law while they are in the appraisal process? What about personal inventory items (yes, 5 months since milton and they have done nothing with that)? I want them to see the house stripped down so we still have another month until appraisal. What should I do? I have waited a very long time to replace things. I need stuff like a frige and other essentials. Atleast for the personal items i feel like i should get atleast an "estimate/supplement" thing generated before they start using it as a tool to negotiate paying me less.They said it will be resolved at the end but they have not been forthcoming to resolve anything nor do we see an end in sight. We are kinda going out on a limb and assuming that we are going to sue even after appraisal. It's Florida and this is with citizens if that info is relevant.

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?

I live and work in California for reference. I left my job to seek treatment for substance use disorder and Kaiser is claiming that they cannot excuse me since I did not participate in their outpatient program. I met with a doctor every week and he prescribed me medication to detox at home from fentanyl and methamphetamine. However they claim that this is not considered to be under a doctor's care and will not sign documentation for those dates. Over the course of 28 days I detoxed three times and relapsed three times before they sent me to a third party inpatient program. I am new to the Kaiser program as of this year and they recommended I go through their detox at home and outpatient program instead of directly to inpatient in spite of my long history of substance abuse and my multiple stays at detox facilities and residential facilities. Currently I am unprotected for these 28 days but I am wondering if this is legal?

Had a house fire, insurance adjuster said i get 5000$ a month for up to 12months for a rental equivalent to my house (3/2 2000sqft) Well 3 months went by and I decided to move into my own rental house , it’s a 1/1 while the repairs on the house are being worked on. Now he’s saying he will only give me the going rate of a 1/1 … which is somewhere around 1500-2k, which is a big difference from 5k. My question is if that 5k per month mine? Something I can fight for? Or do I only get the exact displacement fund I spend , up to 5k

When I turned 18 I too out a universal life insurance policy with State Farm. I took a “loan” out on my policy to pay for school loans when I was about 24. Since then I fell behind in paying back the money and the policy itself. I was unaware and uneducated on the whole process when I borrowed the money. Does anyone know if the policy is canceled, do I still owe what I borrowed? Or not considering it was money I had already paid towards my own policy. It’s crazy that we have to pay back what in reality is out money.

**Odie is taking my monthly money and not holding up their end of the bargain.** I was switched to Odie from ManyPets when ManyPets sold and want the world to know: ODIE IS A SCAM. GET OUT WHILE YOU CAN & DEF DON'T SIGN UP. Aside from the significant increase in monthly cost and 20k coverage limit on a previously unlimited plan, Odie is...nowhere to be found. My claims are not being processed, nobody answers the phone, the chatbot isn't responsive, and I literally cannot get any information. **I've filed a claim with the Better Business Bureau, providing screenshots of everything. Anyone else???**

My wife was in a single vehicle collision. Broke her ankle and cannot walk. I am looking into renting her a wheelchair but the TD insurance adjuster is being evasive. Before I go all in on this, I am looking for the opinions of people here. Would her wheelchair be covered by TD insurance?