Evacore under the auspices of Highmark ( aka Gravemark) has denied my cardiac cath for the second time. Next step —- letter +\~ phone call to Evacore ????

I've only had pet insurance for 1 year, through my work. I just received a letter stating that my policy is no longer available to me, but I can have their "My Pet Protection Choice" to continue coverage. The policy seems to cover less, and my premiums went up! The doodle (age 3) went from $218 to $458/year and the cavalier (almost 2) went from $270 to $781. The only thing I've filed was when my doodle had a bump in his ear, that healed on it's own, and my payment was just applied to the deductible. For my cavalier, she had a UTI. So, while I begin to shop around, anyone to consider? Or avoid? And how much do you typically pay in an annual premium? Maybe I just have sticker shock and these premiums are fair? Edit to include- this isn't a wellness plan, they cover 70%. Annual coverage for accidents is $5000, Illness $5000, Congenital and Hereditary $5000, Cruciate $5000, Rx foo $100, Behavioral $100

Not your standard switching question, honestly. My partner got a job that offers metlife so our 2 dogs are eligible to switch over to metlife from our current insurance. We have petsbest currently. I already checked and there's no concerns about it being my partners work (and only I am currently on my the petsbest insurance). I spoke with metlife on the phone extensively so I can switch anytime basically, i'm mostly wondering reasons I might want to stay vs not. Both my dogs have quite a few medical conditions and Petsbest has generally done due diligence. I insured my pit mix in Jan 2022 when I got him and they've covered almost everything. (Annual premiums: 2022 was 460, 2023 was 560, 2024 was 725, and this year was 1032. 250 deductible, 90% reimbursement, unlimited level). They denied only one claim. They denied something and considered it alternative. Even tho it's supplied by a teaching hospital, has studies, and the doctor wrote a huge letter explaining why it was the only option for my dog (my dog has multiple concurrent co-morbidities). They still said no. I asked before hand but they wouldn't pre approve and when I said I was concerned bc it was a big bill they just said I could always appeal. I did, and even with a super detailed letter, nothing. However, he has MANY medical conditions- allergies (on apoquel, immunotherapy, regular derm visits), anxiety (on a couple medications), hip dysplasia/OA and IVDD (on meds and may need surgery). So they've more than paid for his medical conditions. Second dog we adopted in Sept 2024 and she was a 500 deductible, 90% reimbursement and 816/yr. Ended up in 12k in bills between emergency surgery, post op complications and follow up labs. They've paid up. We had to appeal one thing but successfully this time. Petsbest has been fine and paid and processed, though slow, which is fine. I'm mostly considering metlife as both dogs are on prescription foods and metlife will cover wellness care. I could get both dogs annual dentals (which i always planned to do, but was considering pushing it out to 1.5 years out when I'll get a better dental price at a new employer), get tick and flea prevention covered! (200 for one dog, 220 for the other). The prescription foods for the dogs run me about 70 every 1.5-2 months. I'm seriously considering it but feel like there may be something I'm missing. The company confirmed they'd cover rx food even tho petsbest doesnt, btw. Same with dental cleanings. These were their quotes and I was planning to go with the most expensive one, tbh: * Family plan: 250 deductible, 90%, unlimited was 2108.92 without wellness  * With wellness: 2938.44 * Family plan: 500 deductible, 90%, unlimited was 1783.25 without wellness  * With wellness: 2469.98 * Family plan: 250 deductible, 80%, unlimited  * with wellness: 2047.84 * Family plan: 500 deductible, 80%, unlimited  * with wellness: 1728.52 Would love any insight and opinions.

I bought a car rental through Kayak/Priceline in November and was offered rental insurance through RentalCover. Purchased the rental insurance and got a policy. During the trip I caused some damage to the bumper and it had to be replaced so I started a claim with RentalCover, but it's been sitting at the status "under assessment" for over two months. The rental company has a claim specialist asking me for an update every week. I've tried contacting RentalCover multiple times through email, chat, and the contact form but I've never heard back for an update on what's going on. They have no phone number available to speak with a person. I'm not sure what to do. I'm afraid the rental company will demand payment, but the rental insurance is completely unresponsive. Do I just keep waiting? Get a lawyer? Try to claim with my normal insurance? Edit: the accident occured in Colorado.

Location: Oklahoma Long story kind of short, I was in a car accident on Oct.4th, and the other party was at fault. At the scene they acknowledged they were at fault and their insurance looked up to date. At the moment, I felt that calling the police for a report was not worth the hassle, a mistake I know now. While at the scene the driver was on the phone with their mother and told them they were on their phone at the time of the accident, which she later denies. Additionally the drivers mother wanted to speak to me on the phone and was very adamant not to go through insurance and that they wanted to pay out of pocket, which I refused, I didn't think much of this comment in the moment but is important later. I filed a claim with the insurance they provided and a few days later they told me they were not insured at the time of the accenet. My father reached out to the drivers father as he is the person on the title of the vehicle, and this is when we found out the drivers father is the Chief of Police for a small town bordering my city where the crash occurred which is in the same county. At this point we were given updated insurance from the driver and I made the claim with their insurance, which was denied as they were denying what happened at the crash. Some context to add to this is that this was a new driver and had their license for only about a month and were 16 and were heading to their first day of work at their new job. I filled with my insurance who sent it to arbitration, and it was radio silence for 4 months and they would not even return my calls, thanks Progressive. I called today and told them I need an update today, and the new rep I got was amazing and told me everything I needed to know and they should have told me months ago. Arbitration determined the other party was at fault, which was obvious from the damage, and they were not insured at the time of the crash. So it turns out they tried to buy insurance right after the crash and did not tell anyone. Progressive wants to send them to collections to get some of my deductible back, but I would like to get my full deductible and loss of value (at the minimum). So my question is is small claims court enough for the $2k deductible and $2k loss of value, and do I need a lawyer? I have already waited 6 months, and while if I need a Lawyer I want them to get paid, but I feel like I shouldn't have to pay legal fees for this especially due to the criminal behaviour on their part.

I was on fetch but they have increased my rates a lot since I first joined when my dog was 4. Started at $60/month now I’m at $200/month despite never making a claim. I’ve read that fetch is a scam, but then again I’ve also read embrace and trupanion are scams as well. Does anyone have any insurance recommendations that are actually decent? She is in good health, thankfully, but as she gets older I want to still make sure she is covered, just in case.

Hi! Thought id share my experience with my cat! He is 4yr - i have had Trupanion since i adopted him a year+ ago. He had no pre-existing conditions. I specifically asked agent of dental was covered and they said yes. He has been to the vet a couple times - first time visit, ear infection, worms from new kitten we got, etc. The vet has briefly checked his teeth previously and said a little tartar but overall healthy gums. Friend got a new cat so was asking about my policy - reading the “fine print” is that dental doesn’t kick in until first post-insurance dental/oral examination. I immediately emailed and asked that his dental coverage has kicked in - they said no because they have no notes from vet. I said she probably didn’t note because there was nothing of note…asked if i got her to confirm they could put into effect retroactively. They said yes. Vet sent over full records to them - vet “briefly” checked mouth with said assessment on 12/11/24. They said it will take a couple days to process but will get back to me. Still waiting and can update but wanted to just flag!!! I also checked because he may have some mouth issues that i flagged to vet a couple weeks ago (still undetermined) but glad i did because i could see their potential denial saying “he didn’t have an oral exam prior blah blah blah.” Anyway TLDR - check the fine print!! They are so sneaky and if they fight me on this i will probably cancel.

I had some large expenses come up that I couldn't afford, so I used the "Plan it" feature on my platinum card. Basically, you pay a fee, and then Amex lets you make installment payments on the charges. What I did not know at the time is that you pay interest on these payments in addition to the fees! The fees themselves were a couple hundred bucks, and I picked a 6 month payment plan under the assumption that I was paying the fees instead of interest. Am I overlooking something, or is the payment plan completely useless? I would have just carried the balance if I'd known what I was actually signing up for Edit: I confirmed with amex that I am using the "plan it" feature and not "Pay over time" so I shouldn't be paying interest, but because I have carried a balance that isn't part of the payment plan, I'm being charged interest on both. This feels pretty scummy and deceptive

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 hope this info helps and would love any additional details anyone else may have… As I assume there are a multitude of others that are in the exact same (sinking) boat. Had ManyPets for 2 years. Used it and Loved it. Premium went up 223% this year when they announced the switch to Odie. Shortly after I sent an email disputing that increase, I got an email from both ManyPets and Odie stating that they had found a discrepancy and revised my premium amount to a much lower rate. THEN, days after, Odie went ahead and charged the Amex I had in file with ManyPets without authorization AND it was for an amount greater than they had originally stated. I have emailed them a dozen times over the last 2 to 3 weeks, tried to reach them on chat through the portal, and I've been calling every day. I've only been able to find two numbers that are intended for customer care: (877) 327-0471 & (877) 427-0471 I get nowhere with either one. Continuous on old music on one, dead air on the other. I contacted American Express, as I had my auto-payment with ManyPets set up with them (in hindsight, that was very smart). I created a dispute and they removed the AmEx card for future payments, but have started that I need to get someone on the phone or an answer via email proving they understand I wish to cancel. It sounds as though unless I can do that, I may be out that initial charge that hit on 1/3. The Amex representative did help me track down a third number he found listed on the Internet somewhere: (212) 645-2884. This is a New York number and is eventually sent to Voicemail for someone named Miles Darson. I've now called this number and left a message two days in a row. Still have no reply. I will say, I looked up the Odie office location on a map and it's very near the area in California where all the raging fires are going on. I can't help but wonder if that has something to do with this, but also can't imagine they wouldn't post information for all their clients or answer the phone and reply to emails. It appears as though they just took everybody's money and ran ... Happy that I was only charged once and was able to cancel future payments through AMEX, but even just on principle… I want my money back from the initial charge. Extremely infuriating.