I enrolled my pup in Pet Best insurance last year, including the wellness coverage. I submitted a claim for a vaccination on April 19, along with the receipt and clinic record. It’s now been over two weeks, and the claim is still listed as "pending review" with no updates. I’m confused why it’s taking so long—wellness claims shouldn’t require checks for pre-existing conditions, and there’s no deductible involved. What exactly needs to be reviewed? Thankfully, it’s a small claim, but I can’t imagine the stress if it were a large expense. Has anyone else had a similar experience with Pet Best?

I need advice on how to negotiate a bill that I received from my insurance. I had a neck and upper shoulder pain for more than a week and I went to a specialist. He did some routine range of motion checks and just advised to avoid the gym and use a heat pack. Now I see I've got a bill where Aetna was billed $1155 for the office visit and my bill is $375.76 which is around 30%. This seems like a very high charge for a 10 minute routine appointment. Is there any way I can either ask for a reduction on what Aetna was billed or what they charged me? The latter seems less likely since I haven't hit my deductible yet Edit: This is NY state and the appointment was at NYU Langone

Hi everyone, On March 24, I was hit on the side of my truck from an individual. This was my first ever car accident, and we are in Florida. After he hit me, we pulled over to the side of the road and instantly I had a headache and my neck was hurting. I called the local police and they asked me if anyone needed medical attention. I stated that I had a headache and my neck hurt, but I was able to drive because I was still kind of more in shock and shook up about the incident and didn’t know what to do and wanted to get out of there. Dispatch told me unless somebody needed serious medical attention to just exchange information document the accident and file it with insurance. I got the older gentleman’s information took a video and a few pictures of the crash and left. Since that day, I have been living on ibuprofen because I have one of those annoying little headaches that won’t go away. I tend to go to get some x-rays and all of that done from medical but I was just informed from State Farm that the individual who hit me does not have bodily injury coverage. Unfortunately, I work in construction and build houses and flexibility and mobility are a key to my work. I currently am sitting in my bed and took the day off because it does hurt to rotate my neck and this headache won’t seem to go away. I’m new to all of this and any advice on what I should do next would be greatly appreciated. I really don’t want to have to come out of pocket to get myself back into working condition on something that I didn’t cause in the first place. TIA!

Location: Indiana I recently booked an Airbnb for a month. The day I was set to check in to the room I was staying in the host, who is live overseas in the EU, called me and goes into a story about how he is in a conflict with AirBnB and that due to this conflict AirBnB won’t give him any of the money that people pay to stay at his rental, he doesn’t really go into any real specific details other than that. I was desperate for a place to stay so I don’t really ask a lot of questions in that moment. He says that he will call AirBnB customer service to get a refund and then I can pay him the same amount I payed on AirBnB to his PayPal account after I’ve received the refund. I agree and I await my refund from AirBnB. I receive it and I payed him through PayPal as discussed. Around 3 weeks I start having various issues with the host, he’s calling me, stars saying I’ve got to do this and that, nothing illegal just various things like take pictures of the place to ensure his agent is keeping the place clean and making the repairs he is supposed too. I refused but I thought this was odd so I did a court records search on him and that’s when I uncovered that he was lying about the extent of the conflict with Airbnb. In fact he doesn’t have a conflict with AirBnB at all, he has a judgement against him and an order was issued to AirBnB to withhold all of the money from the hosts rental to and instead give that money to whom the money on the judgement is owed. I’m floored by this because I never would have agreed in the payment arrangement had I known the truth. I think what the host is doing is wrong and I’d like to go to the local attorney of those who have been awarded the judgement and/or AirBnB’s legal team to fill them in on the situation. My only concern is that I’ve somehow become complicit in this guys scheme through the payment arrangement and I could be putting myself in legal trouble as well. I want to do the right thing but I also don’t want to screw myself over in the process. Are my concerns valid? If so could I possibly work out a deal with the local attorney and/or AirBnBs legal team to be immune from any recourse for my cooperation in presenting evidence in this guys scheme to get around the order put in place to pay the judgement? I appreciate any input on this situation I’ve found myself in.

Save your money and think twice before choosing Co-operators for business insurance or anything else they offer. You could be a loyal customer for over 10 years with no missed payments, but the moment you inquire about opening a claim, don’t be surprised if you get a call weeks later saying your policy is being cancelled. Do your research and consider taking your business elsewhere.

I noticed on my renewal for my auto policy with Progressive that I was listed in tier 3M. Google told me this is a high risk tier, but I have been driving for many years, have a clean driving record, and no claims. I am, based on my driving record and insurance history, a low risk driver. Is this a high risk tier? Does anyone know how these tiers are assigned? If I am incorrectly assigned to the wrong tier, how do I fix that?

Hey all, I'm looking for advice on an issue that's been bugging me. I went to the orthodontist office regarding wisdom teeth extraction (in network). They already charged me a $200 consultation fee (This, I know isn't covered by my insurance). They told me my insurance isn't covered and that I can pay upfront and they can send a claim to my insurance and if it's covered they'll reimburse me. So I paid upfront, did my surgery and healed. 12 days later, I called my insurance for a follow up and I found out that there was no claim filed. And in fact my insurance DOES cover the extraction and bone graft. Im only supposed to pay 20% while insurance covers 80%. So we called the orthodontist office and told them they need to file a claim because they're in network. The front clerk basically said she'd relay the message to the billing team. Few days later, no claim was made yet. Best believe I called every single day until the matter was fixed. So finally I see a claim that they've made after 2 weeks of constant back and forth. Take in mind, I paid $5,356 out of pocket. My charges were $5,000 for TWO bone graft. $268 for the extractions and $88 for the anesthesia l'm assuming because it says "Ir". They filed a claim for $5,000, I immediately called my insurance to find out what they filed for. Apparently they filed for a completely different treatment than what l've done. And guess what? Whatever they filed for isn't even covered by my insurance. I definitely feel like this office is trying to rob me and get away their fraudulent behaviors. I spoke with the oral surgery department from my insurance and he called them today, confirmed my treatment with them and told them they need to submit a new claim for the correct treatment. Insurance told me to give it a week, if nothing is done, call them back and file a formal complaint. Will this do anything? I'm anxious and I just want my money back. I learned my lesson 100% and will NEVER pay upfront for something that should be covered by my insurance.

I'm on my mom's blue cross blue shield medicaid IL insurance and for some reason I was kicked off last month and now it says I'll be back on next month. My mom isn't sure why that happened. When I tried to make an appointment yesterday my bcbs insurance ID wasn't working when it always has. But I NEED to go to a hospital some time soon. Will my medicaid ID work or are they together? If it doesn't work does that mean I'll have to pay out of pocket if I go before next month.

No claims in 12 years with Allstate. Hear their home claims are a nightmare. Hear good things about Amica. Carry homeowners, 2 autos, and an umbrella. Would cut my auto insurance half but double my homeowners leading to a wash prior to the amica dividend payment. Couple questions: What do you use to calculate your replacement cost for a house? Do you make any changes to that calculation if the policy has an overage waiver? My Allstate is 20% and the quoted amica is 30%. Any reason to carry additional structures if I don’t have a fence or our buildings? Any others to look into for insurance? With amicas rates in auto, it could make sense to break out my homeowners if we don’t choose to bundle.

Had 2 roofing companies come and inspect the roof for hail damage, and they both claimed there is hail damage. However, Allstate insurance denied the claim, saying there is 0 hail damage. I sent the report from roofing companies, but they deny it's due to hail. I tried requesting a different adjuster, but Allstate won't budge. Any recommendations on how to proceed with insurance? I have heard I need to hire a public adjuster. Is there a certified inspection I can do that has more value than a roofer's? This is in texas.