**Odie is taking my monthly money and not holding up their end of the bargain.** **UPDATE:** Odie responded to my Google review and processed my three claims. They denied coverage for all of them, stating in the EOB "preexisting condition." My dog developed this condition while a policy holder on ManyPets, ManyPets processed claims for this condition regularly (which is why we have the insurance), and Odie stated there would be continuation of care. **I've filed a claim with my state insurance commissioner, thanks to the recommendation of this sub.** 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.

Never use Healthy Paws Pet Insurance. Period. I’ve been with this company for eight years. In that time, I’ve filed maybe one or two claims, receiving around $400 total in reimbursements. Meanwhile, I’ve been paying monthly premiums that started around $50–$60, gradually increased to $80, and just this week, jumped to $200 per month for both my cats. One cat’s premium alone went from $50 to $125 overnight. That is completely outrageous — especially considering both of my cats are in perfect health, no chronic conditions, and have had regular checkups, blood work, and clean bills of health. When I called Healthy Paws to ask what on earth is going on, the rep could not have cared less. There was no concern, no explanation that made sense, and zero willingness to help. It was clear: they’re just taking money from loyal customers who rarely file claims, and they don’t care. Over the past 7–8 years, I’ve thrown away nearly $7,000 for what? To be blindsided with a 150% rate increase and treated like a number when I asked for help? This company is unethical, greedy, and not here for pet owners. If you’re shopping for pet insurance, I beg you: do not go with Healthy Paws. They do not deserve your business, and they certainly don’t deserve your

My dog (cocker) is just over 2 years old, I was with Waggle before but they just keep increasing the price each year and I have never needed them for anything. No claim, no nothing & the only vet she ever needed I paid out of pocket. So decided to cancel and look at other options. I doubt I'll get lucky but is any insurance like an NHS service where I can just pay a monthly fee then everything is covered? Like how us as a human went into a hospital and It's free as we pay for it monthly I spoke to my vet who said insurance works like reimbursement where I would have to outright pay example £10,000 then claim it back from my insurance but I don't have £10,000 just sitting in my bank so how would it work otherwise? (first time doggo owner so sorry if these seem stupid asking)

I'm in a little bit of a conundrum. I have both a Roth IRA and an Individual Brokerage Account with Charles Schwab. I also had a retirement account worth $15,000 including a Roth 401k with John Hancock, but then I changed jobs. I decided to roll the money from John Hancock over to Charles Schwab to make things more simple by having everything with the same institution. They said they would send me two checks made out to Charles Schwab. I looked today at my John Hancock account and it now says my balance is $0, so I'm guessing they have issued the checks. John Hancock said there will not be a 20% tax because it is a rollover. However, I called Schwab and they said there would be a 20% tax. I kept asking questions about it, but the gentleman said to consult a tax specialist. I don't have a tax specialist and I'm not trying to spend a lot of money to consult one. Also, Charles Schwab said the checks need to be for the exact amount going into the Roth, and the exact amount going into the Individual Brokerage Account. I never gave those numbers to John Hancock. What would you guys do in this situation? I really don't want to lose $3,000 due to taxes if I can avoid it. Also, can I trust Charles Schwab to give me the best advice for me here since they have a personal interest in getting the money into their bank?

Was hoping to get some insight before I call my agent. My $1 Million umbrella policy with State Farm has really gone up this past few years from $300 to over $1500 per year. So I started looking at it and saw the following: Automobile Liability: $500,000 Recreational Motor Vehicle Liability: $500,000 Personal Residential Liablility: $100,000 Watercraft Liability: $100,000 I don't know what a Recreational Motor Vehicle is. I have 2 cars used for commuting around town. I don't have an RV or Jeep for off-roading. So what good is that doing me? I don't have a watercraft. I consider watercraft to be a money pit and I'll never own one. I'm in Florida near the water, so maybe it's assumed I have a watercraft? I don't know. I feel like I'm paying for a bunch of insurance I don't need. Any advice would be appreciated.

State is Michigan. I want to keep this as private as possible. Basically I had a double mastectomy back in the beginning of January. It was supposed to include liposuction on my sides to prevent 'dog ears'. I traveled 9 hours for this surgery. The swelling was so bad under my armpits I couldn't really see the open wounds. When I would do my cleaning and dressing changes every day I noticed a lot of discharge and blood. I had both of my sisters look at the wounds since I couldn't see them. I ended up going to the ER. The did cultures of both side wounds and started me on an IV antibiotic and an oral one. I contacted my surgeons office and got scheduled with a PA. They tried saying there was no infection and just to put Vaseline on it. They then extended my LOA at work. The ER contacted me and said that I had E. Coli and a staph infection. They changed the antibiotics because the one they prescribed wouldn't treat the infection. I relayed this info to my surgeons team. At this point I still haven't met with my surgeon after two months. I googled how to treat the wounds and took the care into my own hands. No doctor in my area will touch the surgical sights since they didn't perform the surgery. Two months later and I still have an open wound with discharge. Fast forward to this past Friday my health insurance sends me a subrogation claim letter to fill out. I have never heard of this before. It wanted me to file a police report and a LARA report. It also asked if I've hired an attorney. I called the state police post and they said to call the attorney general for any medical malpractice suits. So my question is how do I find the proper attorney and what are my steps now? I live in a small town and don't even think there are any attorneys that deal with medical malpractice. I have very detailed documentation of my infection and medical reports. Any advice is welcome.

I just got a good quote on home insurance but the car insurance is more than triple what I’m currently paying (I don’t think that’s what they want the triple to be known for). Has anyone else experienced this with AAA? I triple checked with her that I heard her correctly. I work from home and rarely drive so I have a mileage based plan. This is not that. She said at least one vehicle needed some kind of coverage and it could just be liability.

Hi! I took the SBMA MEC for just about a few months in late 2024 with a new job I started. I went to the doctors on November 12th and also received bloodwork but later I received a bill for $2000 for the bloodwork and $1265 for the Physician Office Visit. I am wondering if Minimal Essential Coverage doesn’t cover basic bloodwork? Last I was told, Labcorp was waiting to hear back from SBMA for covering the services but I guess the insurance never got back to them and I’m stuck with this bill :/ I will be contacting SBMA again and also Labcorp to see what I can do.

Has anyone had any luck getting Emblem HIP to cover prescription formula (Nutramigen) due to a baby’s milk allergy? Emblem is of course giving me the runaround

We bought our home just outside the Twin Cities area in mid last year, and at the time our Travelers homeowners insurance premium was around **$1,680/year**. This year, our renewal came in at **over $3,300**. After some back and forth, I changed the deductible to match last year’s, but the total was still around **$2,800**. I contacted a few other insurance companies, and their quotes were all in the same \~$3k range. I was told that **all homeowners insurance carriers in MN increased rates significantly this past year**. Has anyone else experienced this? * Do you know *why* rates jumped so much in Minnesota? * Are there any strategies to cut this cost beyond just raising the deductible? Any insight would be appreciated. As a note, there were several homes in our area that had their roofs replaced about 2-3 years ago, because of hail damage or something like that, I would have imagined that it would have caused the price hike last year, not this.