Full background: I have had both my dogs insured by Trupanion for several years now, both since they were pups. One will be 7 this November, and the other just turned 4. My premiums have gone from $126/mo in 2022 to what will now be $290/mo starting in June. So more than 2x increase in 2 years. Over the years I've had a few emergency vet visits (mostly from ingesting foreign substances) and filed claims. In total they've paid out about $4100. But now I'm just not sure it's worth it anymore. Changing insurance is probably out of the question for me given the number of past incidents that would probably be considered "pre-existing conditions" now. But paying $3480 a year (and probably will just increase more) feels completely ridiculous. Should I just cancel the policy and put the money toward a savings account instead? Or is the risk not worth it? My brain tells me cancel, but it feels like a decision I can't really walk back once I do it.

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.

My husband and I are currently in the process of selling our home. The new owners are using a USDA loan. The first 4 weeks of the closing process were a breeze. Our home passed appraisal and we were told the buyers got their loan approval. The issues started last Thursday. We were supposed to close this past Friday, however I received a phone call from our realtor explaining that the buyers had not been notified that the needed to submit a copy of their W2. They had to go out on a Thursday night to H&R Block to get this final copy. Everything was submitted to USDA on Friday and we were told by the Title office that we were going to close today. It is now Tuesday and after a stressful weekend, we thought we were going to close today. I received an email from our realtor stating that the USDA system is down and we are having to extend closing once again , but this time they are not setting a date because it is unknown when that system will be back up and running. The title office claims that as soon as we get the approval, we will close but I am starting to get VERY frustrated that we are being lied to. Has anything like this happened to anyone??

I was rear ended while stopped at a red light. The woman couldn’t provide her insurance as she wasn’t able to find it after looking for a very long time but I got her plates and drivers license. Didn’t report to collision centre as when I called they said if total damages to both cars are under $5k go straight to insurance. I received a quote for $1k cash for repairs or go through insurance. I let her know both options and requested her insurance information. She has still not responded back to me so I called my insurance and filed a claim. My insurance stated that I’d still have to pay the deductible until they work on finding her insurance. Wanted advice on how to move forward, should this be counted as a hit and run as she is not willing to provide her insurance information? Will they be able to find her insurance by running the plates? Use location: Ontario, Canada

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

I’m 23, no accident or tickets at all currently driving a 2021 Mazda3 hatchback, no loan on the car. Currently paying 362 a month for full coverage with USAA and live in Florida. Should I look elsewhere for insurance? I’ve been with USAA 5 years now and I’m starting to think I’m over paying.

Long story short, I got a bcbs plan through the marketplace last month and I kept getting bills for $0.00 saying I needed to pay or my policy would be canceled. The first time I got a bill for that amount I went online and paid a penny. Then I got another bill for the same amount of $0.00. I figured it was nothing to worry about. Fast forward to today, I have a doctors appointment tomorrow, and I get hit with an email saying my policy with bcbs has been terminated due to non-payment. Non-payment of what? Nothing? Why?

I've had Embrace pet insurance for the past 5 years, and this month when my policy renewed it increased by 88.5%. I reached out to them to get an explanation, and was basically told its because of the rising cost in vet fees, and "updated data" about my dogs breed, age, health trends, etc. I have filed a handful of claims for her over the years, but she has no major health concerns or chronic conditions. Every year in the past my monthly rate has gone up, but it has always been within reason. Has anyone else experienced something like this with Embrace or another company? I am going to switch providers since they are now no longer affordable, so would appreciate any suggestions for other companies. Location: Southern California Dog info: 5 yr old female lab/heeler mix 50lbs

Hi all, I have two 4-year old cats on Healthy Paws pet insurance. I've seen the recent posts here regarding horrendous premium increases with HP, and am wondering if I should try to switch companies before my cats get older. My cats are healthy and I've never made any claims. My premium is currently about $80 for both cats (and yes, it did go up a good bit this year). I live in California (yikes). My major concern is that one of my cats has a history of struvite crystals in the urine. He's never had a blockage, a UTI, or any urinary problems - it was an incidental finding on pre-op labs before a dental cleaning. He's been on prescription food since then and the crystals have cleared up. But I know this would be considered a pre-existing condition if I tried to change pet insurance companies. My question is, how broad might this exclusion be? Would I potentially never get covered for anything urine or kidney-related if the insurance company tried to blame it on the history of crystals? And if there's a risk of that happening should I stick it out with HP (maybe the premium increases won't be as bad for cats?), or still try to switch? I do not have access to an employer-sponsored MetLife plan covering pre-existing conditions. I've read some companies might cover certain pre-existing conditions if they have been treated and symptom-free for over 12 months, would that potentially include my cat's history of crystals? Appreciate any opinions or advice. Thanks!

Just received notice of my policy increase for my healthy paws plan for a 4 yo dog. The new premiums are already beyond what I’m able to afford, but now they are going to raise the plan $10 more per month due to an address change. They did this last time we moved and said the new state was more expensive than where we lived previously, now we moved back to our old neighborhood and somehow it is more expensive than the previous state they said was more expensive than this. I’m frustrated because it seems like we are being penalized for moving, and now the plan is double when we started. Basically, it’s already stretching my finances, and I’m concerned about sustainability at this rate and how much they raise the policy every year. We barely hit deductible as is and only hit it once or twice in the life of the policy, never gotten much back in claims, thankfully (glad to not have had crazy issues yet, knock on wood) At 4, dogs can start to have other issues, and I’m concerned that other plans might have preexisting condition policies and not cover if other issues develop and we don’t switch in time. Any advice or other option recommendations? I like healthy paws because they are easy, generally pay the policy claims very fast, and I trust that their coverage will last. But given the costs, I’m not sure where too go from here.