Hiya, I adopted a kitty from my local shelter a few days ago knowing he has gingivitis and needs a dental cleaning and possible extractions which I will cover out of pocket. The more I dig into the plan the shelter pushed through Fetch, the more I’m realizing Fetch feels like an elaborate scam. I’m looking at switching to Spot as it’s one of the companies that claims they will cover curable pre-existing conditions if there’s been no occurrence/need for treatment for 180 days. Has anyone gone through this with Spot and can you confirm that they did start covering a condition after that 180 day period, or did they find a way out of it? Any other companies you would recommend that are good for this? He’s only a year old, the vet is hopeful we can get it fully treated and cured but of course there’s no way of knowing for sure.

So basically, I left a complex a month before my lease was up because we bought a house. The complex was aware we were leaving before the lease was up. Upon leaving, we knew we would be billed for carpet and we made them aware our renter’s insurance would issue a check to cover majority of the balance and we would cover the remainder. Well, my renter’s insurance issued a check and they sent the entire balance to collections like within a week of the check being issued. They stated they never received the first check after I escalated the issue to their district office. The insurance company issued a second check. They apparently never received that one either. Insurance company ended up issuing payment directly to me so I could get the balance settled. Payment was put in their hand February 18th. I got a notification this morning that they reported the entire balance to collections as paid. The district manager stated that she halted the collections process and was working with me for getting payment settled. I emailed her this morning about the collection reported. Is there anything I can/need to do legally? I’m just frustrated because it feels like they deliberately tossed the checks and reported the balance to collections because they’ve done the same thing to previous renters. I just want to know if there’s anything i need to do to pursue them legally or if contacting the credit bureau is the easiest solution.

My 2024 Hybrid XLE Rav4 got pushed into a ditch while on the freeway with less than 7K miles on it. Opposing driver did admit fault and the car's recently been repaired. Subrogation is completed and I received a refund for my deductible. I have the total cost of repairs receipt equaling out to around 15 K and currently have one of my friends who works in finance at a dealership pulling up some numbers to compare my car pre-accident value and now. I have the police report and some pictures of damages. I already hit up progressive and they essentially just said to send whatever it is I have over but I feel like there should be more to it. If anyone knows anything about this and is willing to help, I'd appreciate it. 1. Do I absolutely have to get an appraisal and spend money on a report?

Fraudulent charges trying to get them resolved since October. Last month I finally got them resolved and they sent me a letter about the claim. Closed the account, 0 balance. Today they took back a credit for 78.20 and now the account shows a balance even though it is closed I cannot pay it! Already brought in CFPB!

I recently had to bring my 8 year old Alaskan Malamute (no pre-existing condition) to the vet 3x this month and wanted to share our experience with PetsBest. Here is our coverage: **Unlimited Annual Limit, $500 Deductible, 10% Co-Pay, 90% Reimbursement Level, "Elite" Plan** Members October 2023 = $1,297.20/year or $108.10/month Renewed October 2024 = $1,567.80/year ($1,175.85 paid so far) or $130.65/month Total paid to insurance as of June 2025 = $2,473.05 **June 6: 1st Emergency Visit** I brought him in due to a nasty hotspot on his tail. He had to be sedated for the clip and clean and was prescribed multiple medications (gaba, traz, steroids, antibiotics, and animax). He was also given a Cytopoint shot for $240. Total: $881.92 Not Covered: $6.00 (Hazardous Waste Disposal) Deductible: $500 Co-Pay: $87.60 Reimbursed: $288.32 *Claim took 2.5 weeks to process* **June 22: 2nd Emergency Visit** Started having diarrhea and throwing up June 20. Became lethargic. By June 22, he was on 3 days without a meal and chronic vomiting and diarrhea. Doctor did a Full Panel (CBC, Chem 17, Lytes) & Ultra Sound to rule out underlying causes and blockage, administered fluids to rehydrate. He also needed to be sedated during the Ultrasound. We were able to take him home with probiotics, anti-nausea, and antibiotics. Total Cost: $2,513.34 Not Covered: $119.48 (Hazardous Waste Disposal & Probiotics) Co-Pay: $239.38 Reimbursed: $2,154.48 *Claim took 2 days to process* **June 23: Picked up Appetite Stimulant from Vet** Total Cost: $270.62 Co-Pay: $27.06 Reimbursed: $243.56 *Claim took 2 days to process* **June 25: 3rd Emergency Visit - Overnight Stay at the Vet Hospital** He was on day 5 without food, we were unable to consistently give him medication because he couldn't keep anything down. At this point, he was very very lethargic, stayed in bed all day, and was still having diarrhea. We were starting to get really worried as he has started to lose a bunch of weight. Doctor concluded that he should stay overnight as they will need to administer medications and fluids through an IV, feed him through a tube, and do an x-ray. Recommended diagnostics included fecal testing and cortisol test. We were able to pick him up June 26: His cortisol came back normal, ruling out Addison's disease. Fecal Testing came back Negative. Total Cost: $4,776.24 Not Covered: $18.54 (Hazardous Waste Disposal) Co-Pay: $475.73 Reimbursed: $4,281.97 *Claim took 2 days to process* **SUMMARY** Total Costs: $8,442.12 My Out of Pocket Costs: $1,473.79 Insurance Covered: $6,968.33

Hi, I’m looking for help on disputing information on my CLUE report. Back in March 2024, in Arizona, US, I was involved in a accident which was deemed to be the other driver’s fault. The payout went out from their policy. We were both insured with Progressive at the time. When I first called to report the accident, Progressive opened a claim on my policy, I wasn’t aware it was on my policy at the time, however, I made it clear to them that the other person agreed to having been at fault and gave me their insurance details. When the adjuster first contacted me, they spotted this mistake and closed the claim on my policy with 0 payout and opened a claim on the other party’s insurance, which ended up in a payout of $1400 to me. While shopping for insurance last week, I saw that progressive is listing the above accident as a non-chargeable at fault accident with 0 payout. To get this corrected as a no-fault accident on my LexisNexis CLUE report, I will need to raise a dispute, howe

Alright here's whats going on Been licensed since 2021 Got into first accident (at fault) in november of 2022 Got into accident last month (feburary 2025) Before the 2025 accident I was with Wawanesa and was paying I believe $350 a month for insurance but they just dropped me. Things are generally close by so I was planning on just lasting out on a Non-owner's policy until insurance becomes affordable (I'm guessing nov/dec since the 2022 accident will be 3 years old then) but I'm curious if anyone has any other suggestions. I looked in to pay-per-mile insurance but it doesn't seem like there is anyone offering it here in California. Any help is appreciated.

Just a rant from your friendly neighborhood pet insurance claim adjuster: Disclaimer: I am not speaking for the company I work for or the brand. Some of these things are not universal to all insurance companies, so you should read your policy documents and not take my word as gospel. I’m trying to help ALL of us have a better experience here. *bow* Welcome to my Ted talk. Sorry for any typos… I’m human.. contrary to popular belief. For starters….Please. For the love of god. Attach your invoices, and make sure they are itemized and paid in full. No- the credit card receipt doesn’t count. We need itemized invoices. No estimates don’t work either. PAID IN FULL, ITEMIZED INVOICES. Also- while we’re on the topic of invoices… be sure that invoice says the pet name, hospital/store/pharmacy name and is for the actual pet on your policy. If your pets name changed- for the love of god, notify us. My crystal ball quit working a longgg time ago. No a random CVS/walgreens/costco receipt doesn’t work. It needs to have the med name on it if it’s for a medication. Do you think your car insurance would just take some random Walmart invoice that said “ASJEUDH875” and trust your word that it’s for the car? boAbsolutely not. Do not expect me to accept it either. Stop asking if you should appeal a decision and just do it. You are within your legal right to appeal a claim decision if you do not agree with the outcome! This does NOT mean it will be automatically overturned in your favor. Claims adjusters are humans too and we can make mistakes or misunderstand or misinterpret something! A lot of us are previous vet techs, assistants, etc. but some of us are not and may not fully understand disease processes without the medical records being abundantly clear. Also- some of these vets medical records ABSOLUTELY SUCK and we are rarely (emphasis on RARELY) able to get in touch with drs to get clarification. and when we do?! They are rude as hell and want nothing to do with us. You know how it’s nearly impossible for you to speak with your own vet and you pay them? ….yeah they absolutely won’t talk to us. Also- be nice in your appeal letters. I don’t need to have you threaten sicking your lawyer on me. And honestly- we make fun of you behind the scenes when you act like an animal and try to use big words that you don’t understand. Again- we are human. Give us the opportunity to either make it right or to explain to you why we made the decision that we did. Let’s allllll act like rational, civilized adults here. And guess what?!! If you still think we’re wrong- there’s second level appeals and sometimes even third level. Most companies also offer an independent review after so many appeals! So just chill the hell out and let’s work through it together. Don’t get me started on the old school vets who still have handwritten records and invoices…. Speaking As a former vet tech, it should be illegal. If you have a vet who still hand writes their records and invoices… it’s time to find a vet that lives in this century. You really think your pet is getting the latest and greatest care when their DOCTOR can’t (or can’t be bothered to) figure out a computer? Let that sink in… Do not make us ask for records when you file your first claim. Just send in the required amount per your policy (typically 12-24 months of previous records. Read your policy). It slows the entire process down, we get frustrated, it wastes our time (and your time) and everyone involved is sad that the claim can’t be closed. Then you- the insured- throws a massive fit. Just do what’s required of you in the first place. Let me be so crystal clear on this. I WANT TO CLOSE YOUR CLAIM. I want so badly for your claim to be closed quickly and quietly. My production at work is measured in the number of claims I CLOSE. I do not get credit for the ones that get sent for records. I do not get credit for the ones I have to wait for payment information. I do not get credit for the ones that are not workable yet. Also- in that same vein. I WANT TO COVER YOUR CLAIMS. I want to pay you out money. In fact- we are trained to look for ways to pay you. It’s more work for me to deny your claim than it is to cover your claim. There is paperwork and explanations and it’s a whole process to deny something. I am lazy AF. I don’t want to do all of that if I don’t have to. However- when an insured doesn’t understand how their policy works and then opens a policy for their dog that’s had raging allergies its entire life and then files a claim for the same allergy medication the pets been on forever… come on people… HELP US HELP YOU. Edit: One more thing to add! If you have the ability to put what the claim is for when you file it (ex: ear infection, vomiting, ate a sock, hit by a car) it’s so much easier and quicker for us! I am usually able to process claims by the description as long as the invoice seems to match up with the claim description. If all you put is “see invoice” or “illness” then I have to request records to confirm the condition and that takes up so much time. Give us the information up front! Again- help me help you! ❤️ I’m sure there is more that I could go on and on about. But honestly this is long enough at this point. Who knows… maybe I’ll add more at some point. What do I want you to take away from this? Help us help you. We want to help you. We wouldn’t ask for something if it wasn’t important. And we are human beings too. Please be kind. Small favor: please keep attaching pictures of your pets when you submit claims!!! We share them amongst ourselves and it really reminds us why we do what we do! It’s nice to put a furry face to the names we are helping! And… who doesn’t love staring at cute ass animals all day…. Feel free to ask questions! I’ll try to answer. Don’t get nasty- I won’t entertain you if you act like an ass.

TL;DR: my 8yo DSH cat has "slightly abnormal shape to heart," "discussed URI, allergies, etc.", and "susp. feline idiopathic cystitis" written in his vet records, all from different exams and illnesses over the last few years, but with no recurrence in illness or symptoms. Are these comments enough for insurance companies to say he has incurable preexisting conditions and deny coverage of any future health issues? I'm super late to the party (no one told me to get pet insurance when they're young), but I'm looking to get insurance for my two cats, Andy and Ollie. Given that they're basically my children and I'm finally in a position where I have a bit of income, I want to do what I can to make sure they're able to get whatever care they might need (though hopefully they never do). Both are 8 year old DSH, previously indoor/outdoor for 3 years, now indoor only, no major health issues so far (no ER visits, no chronic conditions, etc.). I've been spending a bunch of time reading up on different companies, policies, reviews, kinds of issues people run into, etc., spoke with an ASPCA rep and planned to call Lemonade and Pumpkin to ask some questions and compare rates and plans and such. With all the frustration and confusion expressed different places about claims being denied for preexisting conditions, I decided to read back through the vet records I have and see if there was anything that my cats might get dinged for. There are a few things off the bat: they're both a bit on the chonky side, but weight has been steadily coming down into good ranges. A vet noted mild tartar two years ago, which I know means there's essentially no chance of any kind of dental coverage, but that's not necessarily the end of the world. What's really got me worried is that Ollie has had a few illnesses that I could see insurance companies labeling as preexisting conditions and using to deny future coverage: * May 2024- After a wellness exam where the vet said he was in good health, he became lethargic, struggled to use his litter box, and barely ate. I got him back into the vet ASAP, and the doctor found his bladder was painful and a little swollen, diagnosed "suspected feline idiopathic cystitis (FIC)", and gave him an anti-inflammatory shot and gabapentin. Ollie responded well and recovered in a few days with no issues since. Importantly, the vet noted that the inflammation could have been caused by stress and that his bladder was full but "did not seem to be blocked" -- I know that urinary blockages are considered incurable preexisting conditions, so I'm worried that the lack of definitive language (ie "no urinary blockage") could provide enough wiggle room for them to call it an incurable PEC. * July 2023- This is the one I'm most worried about. I took them in because Ollie had been wheezing a bit after activities like playing with his brother. At some points, it sounded almost like he was trying to get a hairball out, but nothing ever came up. The vet ran some tests to check for heart disease, asthma, or a URI. His radiographs showed "no obvious signs of asthma" and "weren't a slam dunk for asthma", but unfortunately did show "potential heart issues, abnormalities on heart" and specifically that his heart was apparently a "slightly abnormal shape". She recommended a proBNP to see if his symptoms were heart-related and it came back negative, so she said it was most likely a URI and gave him antibiotic and steroid injections with instructions to come back for a trial asthma treatment if he didn't improve. Thankfully, he did improve and hasn't had any wheezing since. -- This is especially concerning because 1) asthma is an incurable PEC and even though none of his vets has ever diagnosed or trialed treatment for it, the fact that asthma was even mentioned could be enough for them to call it a PEC; and 2) the "slightly abnormal shape" of his heart just screams guaranteed denial of coverage. And if this is considered an incurable PEC, what kind of probably serious things could they potentially refuse to cover because it's tangentially related to his heart? * Also, Ollie is a snorer. It's never gotten to a point where he's stopped breathing or anything, but it was happening frequently enough that I brought it up at a wellness exam. We used to live in a house that got fairly dusty, so I asked the vet if allergies might be contributing to his snoring and if an air purifier might help. The vet records read "Disc informed O about URI, allergies, etc.". Really really hoping that me asking about allergies doesn't lead to a future issue not being covered. So yeah, I feel like there's enough in his records for insurance companies to reject so many different kinds of claims, especially claims for cardiac, respiratory, or renal health issues, by saying these illnesses (and snoring) are evidence of incurable preexisting conditions. One of the big reasons I want to get insurance is in case cancer tries to rear its ugly head, especially since both of my childhood pets died young from cancer and all my family could afford was basically just pain management. I don't want to go through that again with my boys, and there are also a ton of other big health issues that could pop up and (hopefully lmao) be covered by insurance. But as much as I want to believe that they'd be reasonable, at the end of the day, these insurance companies aren't non-profits, they exist to make as much money as they can, and there's no Pet ACA to prevent them from denying coverage because of preexisting conditions. Which brings me to my main question (sorry for taking so long to get to the point): is getting insurance for Ollie worthwhile? I'd hate to spend the money on fairly pricey premiums just for anything that might come up to not be covered. Maybe I'm just overly worried and cynical, but the fact that something small can make a massive difference in how much longer I get with my fur babies is honestly scary. Sorry again for rambling, there's just a lot to consider. Any advice or insight is very much appreciated!

I'm looking to insure a 2018 Chevy Cruze, full coverage. Was quoted $389 by progressive, and that's more than I can afford monthly. Looking for recommendations on insurance companies that might have cheaper/mor affordable rates