Hello, I just found this sub. I am looking at getting pet insurance. I have a 3 month old cavapoo. I was going to go with fetch until I saw all these horror stories. I am in Canada. Any suggestions? I got quoted $108 with trupanion. Seems high. Fetch was like $60 with the wellness. I notice they all jack up premiums based on whatever yearly too. Even if trupanion says it's not based on age, they can blame it on whatever. I asked them and they said they're is not cap on how much premiums can increase. I understand it's a gamble. Might never need it but I want the piece of mind of having coverage.

I am a SF policyholder that was rear ended by an AllState customer. I opened a claim with SF because I wasn’t sure of the Allstate customers limits and also wanted to use my PIP coverage from SF versus dealing with Allstate. That was an incredibly bad decision on my part. Allstate has done an OUTSTANDING job of handling my claim even though I am not a customer. They paid for 21 days of rental car within two days of me submitting my receipt. Allstate has been responsive by email and phone. SF on the other hand has been the worst customer service experience I have ever had. No response to emails, calls are routed to first line customer service that has zero knowledge and just submits a request or ticket to the actual claims handlers. My medical bills are going unpaid and now into collections, the hospital claim is sitting unhandled and the subrogation on the body damage is somewhere out in the ether waiting for one of the mystery claims handlers I can’t contact to handle. Jesus, my first claim with SF in over 30 years of being a policyholder and they treat my like a red headed step child and Allstate, who has no customer relationship with me, is johnny on the spot. What a sad state of affairs that is SF. I have no idea how to get SF to move and handle their responsibilities short of a complaint to the Insurance commission. Is this the way it is with SF now?

I've had Embrace pet insurance for the past 5 years, and this month when my policy renewed it increased by 88.5%. I reached out to them to get an explanation, and was basically told its because of the rising cost in vet fees, and "updated data" about my dogs breed, age, health trends, etc. I have filed a handful of claims for her over the years, but she has no major health concerns or chronic conditions. Every year in the past my monthly rate has gone up, but it has always been within reason. Has anyone else experienced something like this with Embrace or another company? I am going to switch providers since they are now no longer affordable, so would appreciate any suggestions for other companies. Location: Southern California Dog info: 5 yr old female lab/heeler mix 50lbs

Hi everyone. I have a 6 year old terrier mix that's been insured with Fetch since I adopted him at 5 months old. He's had 4 claims all under $200 in all these years. 2 for ear issues, 1 for diarrhea and 1 for a scrape on his leg. No claims in the Iast two years. I started paying $35 / month and now they want to increase my premium from $71 to $117 which is absolutely crazy! I currently have no annual limit with a 90% coverage and $250 deductible. I have no problem bringing down the annual limit to 20-25k, 80% coverage and a higher deductible to decrease my rate but my concern is if he's only 6 right now and Fetch is jacking up prices like this, even if I reduce coverage I'm afraid I'll end up with a crazy premium in just a couple of years! Also, I had another dog insured by them and we spent 25k with her last year. She unfortunately passed away but now I wonder if that is playing a role with how much they are increasing my terrier mix rate since they were both under the same account (I read someone here in Reddit had something like this happening with Fetch). I'd love to hear experiences of people switching insurance specially in regards to coverage of pre existing conditions and also, if anyone has recommendations of other insurance companies I'd love to hear your experience too (especially in regards to rate increases and claims). Thank you!

In December of last year, I purchased a plan from the Georgia Marketplace. A dental plan. I have called 4 of the offices mentioned under their provider tab and nobody accepts this insurance (solstice -Essential Smile GA- Total Care). One of the dental offices even mentioned that that particular insurance does not cover anything. Would this count as bad faith, false advertising or a 23 year-old learning the hard way about America's health/insurance issues.

This past Sunday, while watching a movie at a theater, someone ran over brand new my motorcycle in the parking lot. Thankfully the person who did, told an employee and waited for me. He gave me all of his information. I filled a claim with his insurance, The Hartford and am a little worried about it now. Within a day of filing the claim, they have switched the adjuster and the new adjuster told me, “honestly, I don’t know. I’m not going to ghost you…” when I asked for a timeline on them getting back to me. Are they just going to give me the run around?

I purchased a brand-new 2023 Porsche Macan S for $82,000. After taxes, the total came to $86,000. I also purchased all available extended warranties and protection plans through Porsche, covering the engine, transmission, wheel/tire protection, paint/weather discoloration, etc., bringing the total investment to approximately $102,000. As of 2025, the car has only 14,000 miles, mostly from commuting to and from work. The vehicle was in excellent condition with no engine damage. Recently, I was involved in a collision accident, and the fault was determined to be entirely on the other party. Unfortunately, my insurance company has declared the car a total loss because the repair cost is around $40,000, and the vehicle would receive a salvage title, thereby reducing its market value significantly. My insurer has offered me $72,000 as the settlement. This situation leaves me $30,000 short of what I initially paid, even without factoring in the warranty and extras. 🟦 1. Can I still negotiate with the insurance company after they totaled my car? 🟦 2. Should I buy back the totaled car and fix it? 🟦 3. I had 5-year warranties — if the car is totaled after 2 years, will I get refunded for the remaining 3 years? Thank you to anyone who sees this message and replies back.

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

We were just kicked off our car insurance policy after 22 years of being loyal customers because my daughter filed a claim after an accident where she was not at fault, her 1y/o son was in the car at the time. Their reasoning for terminating our policy is that I didn’t list her then 3 month old son at the time of filling out the attention letter back in December. We’re in Michigan, how is this legal?

I bought a 2014 Chevy Silverado and I wrecked around the 1st of march I have full insurance coverage and my insurance has totaled my truck. I have had a couple of mechanic friends look at it. They are telling me that it only did a couple thousand dollars of damage. Yet the collision repair center said that it did a $9000 of damage. I told the insurance that I want to buy it back. But the insurance company is telling me that I have to pay $3700 out of pocket before they will let the truck go. I had full coverage insurance and I thought that they were supposed to pay it off first. Doesn’t the insurance company have to pay it off then send me the rest? Also I put a massive audio system in the truck. $300 alone in wire. They said that I need to put a factory radio In it before the take it back. Isn’t that a load of bs? Location: Claremore Oklahoma