Currently have metlife and i’m not happy. I pay $100/month for 3 of my cats. Theyve been putting me through hell & back for MONTHS over a claim I submitted for a $12 medication that will only go towards my $500 deductible anyway, every few weeks they ask me for more paperwork and information, now they want a handwritten letter from my vet explaining WHY my cat needs this medication. It’s always something new and im over it atp and realize if something ever major happens to my cat are they even gonna cover it? cause it soundd like not and i’m wasting my money.

Hi. So I purchased a new car and am within a year of paying it off (I’m paying it off ahead of schedule) when I was at the dealership it was required that I had full coverage until the car was paid off. Now my question is, what could Honda do if I change my insurance company (I’m currently with the useless all state) and change my plan to minimum coverage?

I’m confused and need some advice on my current situation. I was involved in a rear end accident, not at fault. Car is drivable with a minor dent in the trunk and paint chipped. The facts: - car is a 2014 Lexus es 350 - The person at fault has Liberty Mutual - initial estimate from their in network shop was $2100 - after they began working on it the supplement charges ended up close to $8700 after being in the shop for about a week and having a rental Today I got a call saying that the car was deemed total loss because cost to repair is over the 75% threshold. I still owe on it the car. What options do I have? Could I take it to another shop to get a lower estimate? There current labor charges were over $5k. I feel like as the victim of this I’m still getting the bad deal by not only losing my drivable car but also potentially paying out of pocket for the gap and rental. What should I do?

My dog is currently 4 years and his Petsbest policy is due for renewal in 2 months. He is turning 5 in 2 weeks. The premium will be increased by 70% at renewal (from $340 increased to $599 per year). I checked with a new email address and I think if I get a rewrite before his birthday the premium will be about the same price as I am paying now (i.e. $340, and that's about $250/year savings). If I do the rewrite after he turns 5 the new premium would be $426, still cheaper than the offered renewal rate of $599. My dog is healthy and there has been no claims since 2021 other than wellness claims so I suppose there is no preexisting conditions. I am only a bit worried about the 6 months waiting period for ligament injury if I were to request for a rewrite. I am thinking about also getting an accident-only insurance from Spot during the waiting period to cover that risk. Has anyone done a rewrite before? If this is workable, is it a good idea to get a rewrite or consider switching every year before his birthday if the premium increases insanely, so long as my dog has not developed any preexisting conditions then?

Hello, So Just to give some background my Experian score is 667 and I'm looking for a Heloc or Home Equity loan of about 35k. I make about 60k a year. In 2020 I had 2 late mortgage payments due to covid before I found out about the mortgage forbearance which I then signed up for, however the mortgage forbearance now shows up as ND on my credit report. I tried a local credit union who denied me based on the late payments. I am currently working with AmeriSave but they are saying that the ND on my credit report have to be explained. I contacted my current mortgage lender to request documents for that but I don't know how long that will take. Any advice on what else I can do in this situation?

Hello, Can someone with experience using Trupanion confirm how their reimbursement actually works? Here’s the situation: Let’s say my total invoice is $1,200 (excluding tax and for a single condition). My deductible is $1,000, which has already been met. That leaves $200 of eligible costs. Based on my understanding, I would then pay 10% of the remaining $200 ($20), and Trupanion would cover the other 90% ($180). However, when I submitted a recent claim, Trupanion told me that the 10% co-pay is calculated based on the total invoice **before** the deductible is applied. So according to them, I’m responsible for 10% of $1,200 ($120), **plus** the $1,000 deductible, and they only covered $80. But their own website says this: "Co-payments, also known as coinsurance, represent the proportion of eligible veterinary expenses that the pet parent is responsible for after the deductible has been met. For example, if a pet insurance plan offers a 90% reimbursement rate, **the policyholder would be responsible for paying the remaining 10% of the eligible expenses after the deductible has been satisfied**." This seems contradictory. Has anyone else experienced this? Am I misunderstanding something?

Hi all, I am in need of advice. I'm not sure if this is the most appropriate place to ask. Ive had Embrace insurance for my two kitties for a year now. For one cat, it's amazing. For the other, Daisy, it's been kind of a nightmare. I had to increase her coverage midway through which restarted the medical review. That was my first big mistake, because while I knew it would come back with a temporary exclusion of a one time ear infection, I did not expect a permanent exclusion for ALL SKIN MASSES including cancer. Now, yes she has a small polyp on her outer ear that has never been diagnosed officially. It has been told to me by multiple vets that it's not a big deal and to leave it alone since shes had it since she was 2 and it was harmless. So when I saw that exclusion, I went through her medical records and found that I mentioned to the technician that she had a "growth" in her ear that was not impacting the ear infection, and my statement was put on the official medical records despite the veterinarian never putting it on her notes or as a diagnosis. She had one diagnosis: ear infection. A two month long appeal process would ensue where no one asked me anything despite me sending my specific concerns via email to the vet about wanting it known to the insurance it's not a cancerous mass, it's a polyp and it should not exclude all forms of cancer. The insurance would only speak to the vet who obviously had more important things to do than to deal with insurances, so it took forever for this process to come to a conclusion. The vet had no record of the mass, other than my statement to the technician, and ultimately that's what she told the insurance: There is no diagnosis of a mass and she has never noticed one on my cat. The insurance concluded that the mass didn't exist and officially documented the rescinded exclusion. My next mistake: I didn't say anything after because who would?? After a nonstop, 2 month, constant back and forth to get everyone to work together, there was a solution so I shut up and let it go for peace of mind. Now I feel absolutely f*cked because the polyp needs to be removed because she wont leave it alone and its turned into a deep cut that doesnt heal. The technician today wrote that she's had it since she was two and it's officially been diagnosed. Its a benign polyp, it's been biopsied after the appeal. Im so afraid to keep her insurance or submit a claim now in case im now "withholding information" or being fraudulent. I never denied she had a mass, I just denied it was anything more than a polyp and that's what I was trying to fight. What do I do??? She gets it removed tomorrow. Im afraid this being found in her medical records will impact future claims and I won't be able to move forward with removing any other temporary exclusions like the ear infections. I also have another cat on the policy who really needs insurance and im scared if they drop her, they'll drop him too. If you got to the end, thank you for reading this 🩷

Hi all, I’m not sure if this is the appropriate place to put this but I’m at my wits end. I (27, F, England) decided to buy Sabrina carpenter tickets via viagogo as I didn’t manage on Ticketmaster. I had my first suspicion as it charged me with HK yen and not GBP, but viagogo assured me that it was all legit and if not I’ll get my money back. Fast forward to last week, I start a new place and forgot to ask for time off for the gig. So I decide to sell the tickets (even tho I don’t have them yet, apparently they’ll be coming on the day of the gig) and someone decided to get them a few hours after I listed them. Imagine my surprise when I woke up today and see an email from Viagogo saying that if I don’t put the tickets up by tomorrow evening, they’ll be charging me all the money (that I do not currently have) and not the original seller I bought them from? And apparently the original seller is still telling me the tickets will come on the gig day? Why am I getting pressured to send tickets I do not have earlier than what I’m getting the tickets? What can I do if they decide to do this? Can I talk to my bank and issue a refund? Can I take them to the police for pretty much stealing my money? I need help.

Had collision (not gap) . Lots of body damage, but totally drivable. Quoted at $1500 in repairs (after deductible), The car is an EV and I’ve wanted to trade it for a gas car, but I owe way way more than it’s worth so haven’t. The claims adjuster told me repeatedly on the phone they’d negotiate with the lienholder if I had their tow truck come and pick it up and progressive could total it so obviously I happily agreed. Claims adjuster gets back to me, says they’ll send my leinholder 3k after my deductible (this is a fair value of the car) and I’ll still be responsible for the remainder of the balance. The remaining balance is 9K. (I know, I know..) I asked what happened to negotiating, he just gaslighted me that that’s not his job and he said he’d *maybe* negotiate. So I ask for my car back, he said, no I can’t have my car back. How is that possible? I haven’t signed anything yet, but I don’t get why they pressured me to agree to paying out my lienholder 3k vs 1500 payout to me (after deductible) I’ll be left with no car and 9K in debt? How can that be legal? Help? Edit : by asking for my car back I meant , can I have my car back and then they send me the original check for the body damage repairs

FYI Thin Blue Line Benefits now has a company called Live Freely Health contacting members about claims. I got an email and then called them. TBL did not send out a message stating this would happen. The rep at Live Freely said they are just letting people know the claims will be processed. I personally call it "buying time" and would not give them any personal information.