I have recently had a 117% premium increase from Embrace. One of their justifications was the state I lived in, CA. I’m curious what other states have had such egregious increases ( regardless of company).

Hey everyone, I got a call recently from a company called Wilber, saying I owe them money for an insurance-related matter. But the amount they’re asking for is way more than what I actually owe. This happened in Texas, and it caught me off guard. I tried asking for a breakdown of the charges, but it still doesn’t add up. It feels shady, and now I’m just wondering—has anyone else in Texas dealt with something similar from Wilber? Did you resolve it? Did they back off or escalate it? Just trying to figure out if I’m being taken advantage of or if this is some standard (but aggressive) practice. Any advice or shared experience would really help. Thanks in advance!

So I canceled my health insurance with ambetter on 3/22/2025 and i got charged agian for April. I called twice and asked if there was any way that they could refund the money they stole for that one month and they of course said that they didn't charge me and that im crazy. I have the bank statement and the cancelation form. Who do I go to to report this and how do I get my money back?

Was on family vacation when burglars robbed our home and ran away with our jewelry and watches adding up to $49K. Insurance (AAA) denied claim and paid $2500 for sub limit and for damages to the home adding up to $6K. I did not realize we were supposed to appraise each item, until this episode. I had a personal property coverage of up to $150K. Any guidance on how I may recover more here?

Hey Reddit, I’m a 27-year-old male, single, no spouse or kids, living in Mississauga. I moved to Canada last year on PR, got my G license, and financed my first car (Honda Civic Hybrid 2025) in late November. I’ve had Wawanesa auto insurance ever since, paying $750/month through automatic withdrawal. Here’s the full picture:- I originally got this car not just for personal use, but also with the intention to do Uber Eats. I wanted to stay completely legit, so I was upfront with every insurance provider I contacted. They all told me that due to my lack of Canadian driving history, I wasn’t eligible for regular commercial insurance. So I went through a broker, and he found me a commercial policy with Wawanesa that would cover Uber driving. I also have a main job just 30 seconds walk from my house, and I have a couple of major licensing exams coming up, so Uber is going to take a backseat for the next few months anyway. That’s why I’m thinking of canceling my insurance or switching to a non-commercial plan, but here's the problem:- I’ve heard that canceling before the end of the term means Wawanesa could charge a short-rate cancellation fee, and someone said it might total around $3,600 upfront in my case since my policy started around November, 2024. I simply don’t have that kind of money in my account. If I don’t cancel, they’ll just take another $750 in the first week of April, as usual. Also worth noting:- I have a clean driving record since getting my G license here in Canada, except one camera ticket I got in Brampton for going 7-8 km/h over the limit. I’ve used TD Bank’s auto insurance calculator and it showed that I could probably get a non-commercial plan in the mid-$400s—which is way more reasonable. The broker who arranged my current plan hasn’t been very transparent & hasn't even been responding to my calls or texts recently, so I’m planning to contact Wawanesa directly when their office opens. So here are my questions while I lose sleep over this:- 1. Any preparation tips on what I should say or talk or do on my upcoming phone call with Wawanesa? (I'm completely new to all of this) 2. If I cancel now, will I still be charged the full $3,600 upfront? 3. Can I negotiate or pay the cancellation fee in installments? 4. If I do cancel, what should I look out for? 5. Is there any way to downgrade to a non-commercial plan instead of canceling altogether? 6. What would you do in my situation? Any personal experience with Wawanesa or brokers? I know I should probably just call Wawanesa and ask all this, and I will once they open. But since I can’t sleep and this is really stressing me out, I figured I’d toss it out to Reddit too. Appreciate any advice you all have. Thanks!

I am scheduled for surgery next week with a specialist. I’ve waited a very long time to get this care and am chronically ill from my health problems. I received notice from the hospital billing department today that in fact the hospital is out-of-network with my insurance. This is after at least 6 months of appointments at this hospital and with this surgeon’s office. My insurance was billed for the other pre-op appointments. The billing office informed me today that I would have to pay about 49k up front to even be seen by the doctor for the surgery at this point. I pressed both my insurance and the hospital as to how this could happen. According to the hospital billing office, they had my insurance numbers but not my card on file (I’m quite sure I gave them my physical cards at one of my in-person appointments). They said someone had entered the wrong plan into the system (one that was covered by the hospital) and just discovered this. Something feels very wrong to me, not to mention the psychological stress of having been preparing for a hopefully life-changing surgery that is likely to be off the table. I have the option to file an out-of-network gap exception or use another recommended surgeon, but I am enraged that this mistake was made. I don’t understand how the hospital could just now find out that my insurance is out-of-network. Can anyone advise—is this fishy? What might I do to get my surgery next week? My FMLA is approved, my friend paid money to fly to stay with and take care of me, and childcare and meals are organized. I find the whole thing unacceptable but don’t know how to advocate for myself. My plan is Highmark Blue Cross Community PPO.

I’ve been a Geico customer for probably 15 years. I think I paid $60 a payment when I signed with them, the latest new rate almost $200. I moved recently to Queens, NY which they say boosted the cost but this increase is insane. I haven’t had a speeding ticket in decades. Any companies offer better rates!?

I’m buying a car tomorrow and don’t have auto insurance. The only company that is offering the option for next day insurance in my state is Geico. I’ve heard it’s horrible and would like to shop around more but need insurance to take the car off the lot tomorrow (obviously). Can I pay one month for Geico and then cancel the policy once I find something better? Planning to work with a broker. Thanks for the advice. I haven’t owned a car in 10 years (lived in a walking city) so am trying to figure this all out.

**Context:** Policy Information • Protected Since: 06/08/2011 • Current Monthly Premium: $431.58 • New Monthly Premium Starting in 63 Days: $1,207.12 Posted yesterday here: [https://www.reddit.com/r/Pets/comments/1jttro5/healthy\_paws\_pet\_insurance\_warning/](https://www.reddit.com/r/Pets/comments/1jttro5/healthy_paws_pet_insurance_warning/) *"I understand that premium increases, like any increase in something we use or pay for regularly, can be a stress financially. Our goal is to keep your premiums as low as possible while still providing the policy’s features and benefits. Premium rates are based on many factors, including the increasing cost of veterinary medicine, the pet’s age, breed, sex, and zip code. Insurance regulations require us to charge a premium that is sufficient to cover anticipated claims. Premium increases are filed and approved, where required, with your state’s insurance regulator.That being said, you do have options for decreasing your monthly premiums.  If you would like to decrease the cost of your monthly premium, you can do so by assuming more financial responsibility in the cost of your pet's health care. You can do this by increasing your pet's coinsurance and/or annual deductible.  If you would like more information on those options and what those premiums are, just let me know via replying to this email and I will be happy to send those over to you.If you would like to speak with me to review the matter further, you can simply reply to this email noting a few dates/times that work best for you, and I will be happy to call you back at your desired time. Please note that I am available Monday through Friday between the hours of 8:00 am - 4:00 pm Pacific Time."*

Bought my home back in 2018. My mortgage company chose Berkshire Hathaway and they paid them through my mortgage payments so I didn't pay BH direct. I got notice last week that my policy will be cancelled end of September. Do I need to shop insurance myself or is that up to my mortgage company since they have vested interest in my home? Can I tell my mortgage company what company and policy that I want?