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.

I bought a 2014 Chevy Silverado and I wrecked around the 1st of march I have full insurance coverage and my insurance has totaled my truck. I have had a couple of mechanic friends look at it. They are telling me that it only did a couple thousand dollars of damage. Yet the collision repair center said that it did a $9000 of damage. I told the insurance that I want to buy it back. But the insurance company is telling me that I have to pay $3700 out of pocket before they will let the truck go. I had full coverage insurance and I thought that they were supposed to pay it off first. Doesn’t the insurance company have to pay it off then send me the rest? Also I put a massive audio system in the truck. $300 alone in wire. They said that I need to put a factory radio In it before the take it back. Isn’t that a load of bs? Location: Claremore Oklahoma

So my driving record is pretty good, all of my scores are at 100. Last month in June, I was getting on the interstate and had to pick up speed quickly so I got marked for acceleration and cornering. Those 2 events brought me down to 60 something from 1 time. Usually after I have an event, it doesn't take long for me to get back up to 100 as I don't like to accelerate as quick. It's been over a month with no other events and it won't go up. I drove yesterday and my score was 89 for acceleration and 88 for cornering. After my 3 trips I checked the app and hour later and it went up to 90 and 89. This morning I get back on and it dropped both to 88 even though I haven't driven since yesterday. I called 3 customer service lines and my local state farm representative and I'm getting the run around. My 6 months discount is for August so I'm wondering if it's doing this intentionally so I don't get as big as a discount when I'm up to 100 for everything.

I was in a accident. Mine was certified 23 Crv hybrid sport with only 16k miles in chicago il. I tried passing a car and lost traction. Anyways now insurance is offering only 32k and they say I can only show compa within 75miles. they used Mitchell and jd power. they have listed 10 cars in 75 miles but 4 of them were sold listings. What do I do now to get the best amount possible. I can see listings but they are with more miles same like 30k miles and are at 32500 but can't find listings for 16k miles. This is with progressive.How do I negotiate with the adjustor or is it best to get a lawyer or private appraiser? Also is there a thing I shouldn't submit comps more than 75 miles away?

My girl will be 8 in October. Premium went up last month but nothing too crazy yet. She has a very slight heart murmur that’s not affecting her (yet) and hip dysplasia, so I’m very concerned that if I switch those won’t be covered since they’re pre existing. But it sounds like Healthy Paws will be too expensive in a couple years anyway. Does anyone know of any insurance that does cover pre existing conditions?? (That’s probably a stupid question.) Should I switch now before something else comes up?? If so, what other insurances are good?

I've been a loyal Farmers/Foremost customer for 10 years, claim free. But when I had interior drywall damage, they wouldn't cover anywhere near the cost of the repairs. I gathered three quotes, but the Farmers Rep said they were all "unreasonable" and suggested I keep looking for cheaper options. My rep told me he basically punches numbers into a computer, and that spits out the estimate. He doesn't actually talk to contractors, just does "what the computer tells him". Anyone else experienced something similar with Farmers or other insurance companies? If so, open to sharing about it?

Question, we filed a claim on our house in 2023 due to damage from a wind storm. There was damage to the siding on one side. It was repaired but the siding didn't match and my state has a matching clause. Progressive paid a supplement amount to have the whole house sided based on an estimate from our contractor and then told us basically that's it, we are done you don't have to show proof of repair like we are done. The contractor we had then said that wasn't enough to cover what he needed to complete the job, so we paid him for the repairs he completed and made sure everything was good, we then utilized the balance of the left over insurance to make some updates/ repairs to our property since the amount wasn't enough to finish the full siding of our house. Fast forward to a month ago we had a major hailstorm and it obliterated our siding, roof, gutters, etc and progressive is saying they will not replace the siding again since they paid out a claim previously to do a full siding. Are they able to do that? I can't find anything in my insurance contract that says we had to utilize that money for repairs ok that specific item and the repairs to the siding were done they just didn't match our siding completely.

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

Not sure this belongs here because it's not car/home etc. but I had a weird experience with travel insurance on my credit card. My wife and I were headed for a wedding then she got covid a few days ahead, so I put in a claim for the nonrefundable hotel. When nothing happened with the claim over a couple weeks I called their customer service number and was told that the claim required a signed doctor's note saying that we were unable to travel. We \*weren't\* unable to travel so I just gave up. Now, sometime later, I get a notice that they're paying the claim. The only explanation I can think of, since what they said on the phone seems to match the published benefits, is that the claim was so small that they decided to pay anyway, perhaps to help metrics of some sort. Is this a thing? I really don't see in retrospect why they would pay if they didn't absolutely have to, although I will admit that my feelings about the credit card (on which we spend a lot of money) were souring. Perhaps it was just a courtesy? Anyone know how this works in practice? I'm trying to figure out to what extent I should really trust this credit card.

hello everyone! I just adopted a cat, a 1-year old female (spayed, no previous health conditions). she's been to the vet, and they didn't note anything out of the ordinary. I was going to go with trupanion, but have seen a lot of mixed reviews about their compensation policy (something about per condition). I was wondering if anyone here has been in a similar situation to me? what insurance do you use for your cat?