They have declined every single submission I have made, saying out of network on everything (including doctors that are on their list). They won't even apply out of network payments I have made myself towards deductible. The insurance is a joke, I have to resubmit everything multiple times. I've been a massive fan of ACA till now (blue cross, Capital, etc). Is there anyway to get out of this insurance?

I rescued a new 11 week old puppy and 24 hours later he was hospitalized for 3 days with cystoisospora, a parasite, and severe malnutrition. The rescue kept him in awful conditions and he was caked in stuff (food? Feces?) when I picked him up. He is coming home today with fair odds of survival and I am shopping for a new plan for him. I have a 30 day policy with Trupanion from the rescue but they don’t cover parasites (wtf). I’ve already spent $8500 on his care. He’s going to need a lot of frequent fecal samples and re-checks of his bloodwork. He also needs another round of de-worming. Does anyone have recommendations?

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!

I am currently in the process of considering switching from PetsBest pet insurance. I currently have my 1 year old Jack Russell insured through them. He’s (thankfully) been quite healthy however, I have had experience in submitting claims through them with a 10-12 week old mixed breed puppy that I rescued (legitimately off the street). Poor Wren had multiple congenital defects with her heart and I ended up having to have her euthanized on emergency after a seizure. I submitted 2 claims - 1 for her initial visit with a cardiologist for diagnosis and the second, the emergency seizure visit. Both claims were denied due to “pre-existing condition” - which I struggle to understand considering she was not diagnosed until the visit with the cardiologist and was insured prior to diagnosis. My experience with their customer service representative the day after having to put Wren down was…lacking. I called to inquire whether or not I needed to leave her policy open until the claims were completed and was (very bluntly) told that “Because the patient is dead, the policy needs to be cancelled”. Fine. I made no complaints, I didn’t call to argue with their ruling re: pre-existing condition. And I would spend the money again and again because I truly loved my animals. I’ve let it be as the coverage is affordable and my hope was that since Norman (my Jack Russell) is healthy and has been to the vet consistently through his life, if I ever did need to submit a claim I would not experience the same outcome. Here I am, a little over a month later - my family all threw in on getting me a Black Lab puppy (Teva). Last night I looked into the cost of adding her to my existing PetsBest plan with Norman. She is more than double the cost to insure. Hear me out, I work in vet med (on the equine side but I am not lost on the workings of the small animal side) - I know Labs present higher risk (especially when it comes to foreign bodies and hips). I get it, but more than double?? After my already lacking experience? Uugghhh. All of this to ask the question - who do you recommend? In my research I am finding the price to be fairly similar across companies *BUT* with more coverage - ex: Spot seems to have fairly extensive coverage for the same price. I’m interested in opinions on all but have specifically looked at Spot, Lemonade and Fetch. Included are pictures of Norman, Wren and Teva as payment for your advice!

So our Lemonade pet insurance is starting to be somewhat outrageous - $150 (80% Preventative) and growing at 7 years old. Healthy dog currently, but when we first got it, visited quite a few times. Lumps but not cancerous. Etc. Pet insurance ALSO does not always work. Lemonade also does not have a straight-forward appeal process when one of their staff misunderstands an issue and mis-categorizes it and denies a claim. I'm wondering if it makes sense to just start a savings account and put in $150/month into it? (And grow it by 25% yearly - the same rate that Lemonade has been increasing)

Hello! I was in a no-fault accident pm 2/25/25. The lady ran the red light and hit me. Here's the thing, my car is a 2023 outlander PHEV (57k miles) that just came off the lot and still had temp tags. I had the car for two weeks. Market value for my car states anywhere between 28k-32k. I called around to local banks as well to make sure I wasn't wrong in my numbers. Root insurance is only wanting to offer me $23,660. My car was in EXCELLENT condition considering it just came off the lot yet they listed it as Average. Additionally, they have forgone alloy wheels on the report for what ever reason. Am I able to dispute this? I already consulted a lawyer for the personal injury portion.

I’m going to be having a baby soon and wanted to know if I will get paid my short term disability leave if I am no longer working? I signed up for Aflac always which says it locks in the rate but I don’t want to continue paying for it if they are going to deny me.

For context, the state is Maryland I live in a rental house and there is a prior resident named Stacy D. (Hiding her last name for privacy). I don’t know this person, other than occasionally getting some of her mail in our mailbox, which leads me to assume she is a prior resident at this unit. This morning, i had new policy documents added to my Progressive policy. They added Stacy D. to my policy as an insured driver, and my rate increased from $140 a month to $580 a month. I also lost some of my discounts, like safe driving discount, because Stacy D. has apparently been in two at fault accidents in the past year. Now I called progressive to remove this person from my policy, and their underwriting says that she can’t be removed unless i have proof of address showing that she doesn’t live here. A few questions: 1. How do i prove that someone (a stranger) doesn’t live here? I don’t have any contact info for her or any way to get her current address. I don’t know this person or have any knowledge about her other than occasionally getting junk mail that is addressed for her. 2. Is there a possibility of me getting any discounts (such as safe driving discount) added back to my account, if I am able to remove this person? 3. Because i live in a rental unit, are there any other steps I can take to prevent prior residents from being added to my policy in the future?

I got rear ended (hit and run) but it resulted in me hitting someone else. The guy I hit has a tiny scratch on his car and there’s deep crack mine that’s barely noticeable. The guy didn’t seem to care, he was fine, and seemed like he was in a hurry to get out of there before the police arrived. I got his license plate and he got my insurance information but I forgot to get his. Since there’s like barely any damage and no one got hurt do you think he’ll report it? I’m worried because I have USAA but it’s the bare minimum and when checking my insurance policy, I realized I put that I own my vehicle but it’s actually leased. I still owe a few thousand on it. I want to be honest with my insurance but I am so worried about the resulting possibly financial burden. I live in VA if that matters.