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

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 had an MRI arthrogram ( contrast for hip labrum and joint) and it was coded 27093, 77002, and 73722. And then the pharmacy drugs. My insurance is trying to bill this a surgery as they say code 27093 is under the surgical code section in the CPT guidelines. Normally I would have 100 percent coverage for any outpatient clinic ( non hospital) MRIs. My insurance says even though this was not done at a surgical centre or with a surgeon ( only a radiologist), they can charge me as if it was a surgery and therefore also charge the radiologist as surgeon fees. Does this make any sense at all? That way they say I have to pay 20 percent of the whole package of MRI ( 73722), Radiology diagnostic ( 77002) , and the local anesthetic used by the radiologist prior to the iodine injection ( 27093). So even though my work insurance normally would cover radiology diagnostic and all imaging at 100 percent, they say because of 27093, this is now a full blown surgery and only covered at 80/20 rather than 100 percent. Is this true? I will post in CPt code section.

I’ve been with PetsBest for over 3 years. I started paying about $50 and last year it went up to $78. I thought it was due to my dog becoming a senior, so I didn’t complain. Usually I have one visit to the ER per year, so I thought it was worth it. Last year she had mayor surgery to remove some tumors, but I was waiting until the last minute to get it done as they were all benign. Last week I got a letter from PetsBest informing me that my new monthly premium is going to be $190! I called and even the rep was shocked about the increase, but now I’ve been shopping around and PetsBest is actually the cheaper option! I don’t want to drop them, as she is old and I’m sure I will end up paying less, even with the high premium, but there has to be some sort of control over this companies! This is absurd!

I live in Colorado and was in an accident where the other driver admitted fault. Their insurance company (Progressive) accepted full liability, paid for the repairs, and told me I could file a diminished value claim once repairs were completed. I filed the claim with an independent appraisal from a DV business that valued my loss at about $4,000. Now, Progressive is denying it, saying I’m “not eligible” because I’m keeping the vehicle and not selling or trading it right now. Their email says: > “As you are keeping the vehicle and not trading it in or selling it, there is no way to measure diminished value as you’ve not lost anything.” This is a 2024 Hyundai Kona with ~11,000 miles, accident-free before the crash. My understanding is that Colorado law allows diminished value claims in third‑party accidents regardless of whether you actually sell the vehicle—it’s based on the market value difference before vs. after the accident. Do they actually have legal grounds to deny me just because I’m keeping the car? Has anyone in Colorado fought and won this?

Last June, I went to urgent care because I was leaving for a vacation out of the country the next day and started feeling sick. I couldn’t get into my primary doctor before leaving and just wanted a steroid shot or antibiotics to avoid being miserable during my trip. I went to an urgent care near my job, knowing it would be more expensive than my normal copay. I usually pay a $25 copay at my primary doctor, but urgent care costs $50. When I arrived and checked in, the receptionist asked for my insurance cards, which I provided. I’m double insured, as I’m still on my parents' insurance, but I use my insurance as primary and my parents’ as secondary. I’ve never had any issues with this setup and typically don’t have medical bills because of it. The receptionist asked if another name (I assumed it was another patient) was on my insurance policy. I confirmed that I’m the only one on my insurance policy and explained that my parents’ insurance is secondary. Both of my insurances are Blue Cross Blue Shield, though I’m not sure if that matters. The receptionist seemed confused but said, "Okay, it’s going to be expensive, but your copay is $50." I agreed, since I felt awful, and paid with my HSA card. I was only tested for strep and flu (both negative) and was diagnosed with a sinus infection, for which I received a steroid shot. Fast forward to my trip abroad, where I had to visit a doctor at my resort, pay $500, and was diagnosed with bronchitis and the flu. Last week, I received a call from a collections service saying I owed $244 for my urgent care visit. I asked how that could be possible since I was double insured, but they couldn’t answer. I called the urgent care, and they directed me to their billing number. After waiting for an hour and a half on hold, I was told I owed the amount. I asked again why, given my double insurance, and they said they only had my parents' insurance on file, and that their insurance had denied the claim. I asked why it was denied, explaining that my primary insurance at the time was through my job and my parents’ was secondary. They asked to put me on hold to investigate, but the call was dropped. I called back and was on hold for 45 minutes. I then received a call from an unfamiliar number, and the voicemail said the call had been disconnected and to call back to resolve the issue. I called back and reached a different urgent care I’d never heard of. I asked for the person who left the voicemail, and they said they didn’t know anyone by that name. I explained the situation, and the person said they had been receiving similar calls from others and advised me to be careful with the information I shared, as they were unsure if their office number had been linked with spam. I then went to the original urgent care, which is 10 minutes from my job, and asked for clarification. They explained that my primary insurance was never added to my account, but when I went in for clarification, they added it to my file. Since their billing has been outsourced to a third-party company, they can no longer access statements or accept payments. They directed me to that number but said they would speak to their manager and call me back since they’ve received multiple complaints since moving to this company. I’m unsure what to do now, as the urgent care never billed my insurance correctly, and the bill has now gone to collections. Any advice on how to proceed?

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

Hello. I have mapfre insurance. I had a minor accident 2 weeks ago and submitted a claim on March 27th. They had me take pics of the damage(front bumper damage) I got my estimate from their electronic appraisal. I dropped off the car at an in network shop on Sunday, March 31st. That Monday the shop submitted a supplemental appraisal to have someone to check the car to approve more funds to get the car fixed from insurance. Since then there has not been an appraiser to come check my car at the shop. It’s been a week and it’s beginning to get frustrating. I was told many different stories on when an appraiser will come up until on Thursday an appraiser told me there was an issue in their system that prevented them from assigning an appraiser. I was told this past Friday that one has been assigned and will call the shop to schedule an appointment. The damage is minimal and the shop can fix the car in 2 days but can’t proceed without insurance. What are my options to make sure they have someone come on Monday? I’ve been without a car for a week and it’s been difficult to get around. Would love some advice on this issue!

I was just notified by Amica they will be dropping me in June due to having 2 previous claims in 2022 and 2023. Both were from individual pipe bursts Amica fixed. I’ve resolved further issues by paying out of pocket to repipe the entire house in 2024. Amica was aware of the re-piping but was still not interested in keeping me on. I do not live in a fire zone. I’ve been told no by several insurance companies stating because i’ve had water damage claims, I’m ineligible for their coverage, even though I’ve completely repiped my home last year. I have tried working with two different independent insurance brokers, both haven’t had success. One found a home policy for $18,000/year. Not including auto and umbrella. I was paying $4500 all in. Anyone have any luck getting coverage in a similar situation as me, with previous claims? I’d love to avoid CFP and DIC if possible. Thanks

Seeking advice. I had an accident very recently where the other car hit my car while doing improper lane change. Even the police said by seeing the dash cam video of my car that the other person was at fault, I called my insurance company in order to report the accident but they filed it as a claim without confirming with me first. Even though I told them I don't want to use my collision coverage as the accident was not my fault, they still filed a claim without confirming with me first. The claim was closed next day without any pay as they suggested to contact the other person's insurance because I am not at fault. Now I am afraid that this claim will increase my insurance rate from now on, what should I do now? How much it might increase? Is there any way to remove it from the record? Any kind of suggestions will be appreciated.