Hey guys, State Farm is trying to increase my rates by another $300 per 6 months. Told them I’ll be taking my 19 years of customer service with me. Which insurance has discounts for being a nurse?

Just sharing an experience that may be helpful to others. I signed upon or Trupanion about 4 years about based upon Wirecutter's review at the time saying that their increases over time were modest and product was good. When I got my puppy four years ago, the rate was $70 month. Fast forward three and a half years and my rates were $103 ( not too modest in my opinion). I just got an email saying that my rates were going from $103 to $135. That's an astronomical increase in my opinion. It got me wondering what Im going to be paying when my dog is 11 years old and he may need the insurance, $300/month? More?I decided it was no longer for me and I wanted to cancel. Customer service was relatively good till this point. But when I wanted to cancel they made it EXTREMELY difficult. I could find nowhere on the website to cancel until finally finding some back alley link that said I had to call them on the phone to cancel. Annoying... shady... but fine. I called them and waited on hold for five mins for someone to take my info. They did, then they said they had to transfer me to the cancelation department. Shock and surprise it was a 20 minute wait. When I got the agent on the phone, they needed to take all the same info again, and then I was forced to sit through a 15 minute scripted summary of why my cancellation was a bad idea and why their rate hike was justified rather than them just taking my info and cancelling the subscription. They told me if I hung up and didn't listen to the whole spiel my insurance would not be cancelled. The whole thing felt like a forced captivity last ditch effort sales pitch to keep me, rather than facilitating what it was I called to do. Really disappointing customer service. To not have an online option to cancel in today's day and age is egregious. Forcing people to to listen to a sales pitch is customer relations malpractice.

On July 31, I saw a steady ream of water coming out of my ceiling! Coming from the bathroom upstairs and even going down to my basement! Long story short after checking though pipes, and doing my own investigation I cannot, CANNOT find a cause. Only thing I can maybe think of is one of the children flooding the bathroom and hasn’t told me. I’m a mess, I’m a single mom of two hardly getting by and a giant mess and so many things destroyed I CANNOT pay for this out of pocket, will this be covered by my insurance if it was my child at fault who’s yet to claim blame?

I have 2 rescues. Dog 1 we got at birth and found out she has auto immune hepatitis and will need medication for life. We had to pay $4,000 to find this out. Dog 2 is of unknown age and he was a stray so we had no knowledge of his health. We since found out he has IVDD and degenerative valve disease. So he will need ultrasounds 2 x year plus medication eventually. ASPCA has not paid a cent after a year. They chalk everything up to pre-existing conditions. I feel like I’m not understanding the AKC clause that says they pay for pre-existing conditions after 365 days. I’m not happy at all with ASPCA’s customer service and the rates were comparable at the time I signed them up last year. I’m sure if I get a new quote before my ASPCA plan renew, AKC will ask about pre-existing conditions and quote premiums accordingly. I tried looking for the info on their website but it seems so vague and I don’t know where else to get further clarification.

Location: Toronto, Ontario CANADA 🇨🇦 A representative from Scoitabank assured me that I could extend the interest rate deduction program on my credit card for another six months, pending approval when the initial period ended. Unfortunately, when the six months were up, I called again and was informed by a different representative that the previous one had provided incorrect information. They explained that Scoitabank only offers this assistance every two years and that I was not eligible for help at this time. I was completely unaware of this policy, and the unexpected return of regular interest charges on my account has caused me significant emotional and financial distress. Upon research I found that Scoitabank has violated the Consumer Protection Act (CPA) established in 2002, c. 30, Sched. A, s. 14 (1). The calls are all recorded. Scoitabank conducted an investigation and determined that they would offer me $368.00 for my distress, along with the closure of the case. My question is, can I pursue additional compensation for my suffering? Am I entitled to request more than what they have proposed? Thank you for your time to respond! 🙏

I recently submitted a claim to Trupanion and it seems kind of weird. For example, let's say I claimed for $1000. The deductible is $200 and a 90% coverage rate, which means I pay 10% coinsurance. So based on that, I thought the math would work like this: * $1000 - $200 (deductible) = $800 * 90% of $800 = $720 → Trupanion pays * 10% of $800 = $80 → I pay (coinsurance) But instead, here’s how they seem to calculate it: * 10% of $1000 = $100 → My coinsurance * $1000 - $100 - $200(deductible) = $700 → Trupanion’s portion This feels off to me — like they’re applying the coinsurance *before* the deductible, which doesn’t seem logical. Shouldn’t the deductible come off first, and *then* they apply the 90% coverage to the remaining amount? Has anyone else experienced this with Trupanion? Am I misunderstanding how their calculation is supposed to work? Is all other pet insurance company calculate the claim in this way?

I (live in NJ)have a leased Nissan Rogue 2024. Never been in an accident, have drive and safe enrolled and drive app 10k miles a year max never missed a payment. They've gone up from $89 to $120 in 6 mnths flat. Feels like this is getting a bit out of hand.. Is anyone else facing this and can someone suggest alternatives or suggestions?

The facts: I am a RENTER I Rented a unit in Chicago that is a fully furnished basement “garden level” unit Lease Term: 2 Months Fully Furnished Unit Day of Loss: July 7th 9 to 12pm Insurance: Assurant What the Insurance has stated: Please refer to your policy language: SECTION I – EXCLUSIONS Water Damage, meaning: a. Flood, including but not limited to flash flood, surface water, waves, including tidal wave and tsunami, tides, tidal water, overflow of any body of water, or spray from any of these, all whether or not driven by wind, including storm surge; As far as you loss of use per your policy language: If a loss by a Peril Insured Against under this policy to covered property or the building containing the property makes the “residence premises” not fit to live in, we cover the Additional Living Expense. At this time the preliminary findings for the cause of loss is not a covered peril. I will further investigate claim and follow up w/ you regarding the status. I also left a voice message on your voice mail. I read all of this - The Owner of the property that I am renting from said that the Plumbers Official Report was that the water was sewage water and it came from the toilets. For context the water rushing into my place was what woke me up and I woke up in a panic to put all belongings on spaces that are high enough for them not to be damaged. The unit has been deemed uninhabitable by the Owners insurance and I do not have a home at the moment. AS of today my hotel stay has ended and I am down about 2k for trying to staying here. Any help would be greatly appreciated as I do not want to be homeless in less than 24 hours.

Help me understand this one. My wife was injured by my neighbor's dog, knocking her down and tearing her ACL (it wasn't aggressive, just large and friendly, freak accident.) Surgery was very expensive, went through my employer based insurance, no big deal. We start getting letters from Conduent, asking if someone else was responsible. Yes, neighbors dog and property. Gave them the insurance info, we all expected some subrogation of claim and I'd prepped my neighbors for that. Then I get another letter asking about what legal representation we retained in a suit against them. I called them and told them we haven't sued them. That we have a good relationship either our neighbors, it was a freak accident, and we aren't litigious. The woman sounded extremely skeptical and said something to the effect of "let's see how you feel about your neighbors in a few months. I'll check back in 6 months." It was the tone that really bothered me, sort of like "oh you just wait and see, you will!" Like something is coming down the pike that's really going to ruin my day and make me want to sue my neighbors. Can someone walk me through this one? Insurers work together in auto accidents without requiring litigation, I figured it would be the same thing here.

I was laid off effective 3/31. (Thanks, Trump and Musk.) I filled out the application with PENNIE on 3/31. Got approved and told I have 60 days to select a plan. I called PA/PENNIE then. I didn't have my COBRA info yet so couldn't make an informed decision. I just logged back on to PENNIE and while it still says "you have 52 days to choose a plan," the effective date is coming up as May 1st, not retro to April 1st (like how COBRA works). I've called and the rep is not well-informed. The last time I called, another rep said "yes you can choose later and it goes retroactive."