Hi everyone! I'm looking for some insights on my cat's insurance costs. I've been with Trupanion since my cat was 3 years old, and she is now 7. The premium has been increasing nearly every year, and I'm currently paying $106 per month with 90% coverage and a $0 deductible. She's been relatively healthy overall, just dealing with early-stage osteoporosis, which we're managing with weight loss. Thankfully, no other major health issues. However, the one time I submitted a claim, my vet had to intervene because Trupanion was reluctant to cover costs that were supposedly included under my plan. Given these details, does the price I'm paying seem reasonable? Also, if anyone has suggestions for more affordable insurance options in Canada that still offer reliable coverage, I’d love to hear about them. Thanks for your help!

Was with another major isuance player, and was dissatisfied on their customer service. Will be nice and not mention the name. Erie Insurance was recommended to me by family member. Thhey have been with them for years and satisfied with their agent. I called Erie for a quote last month bu they were havig system issues. Agent advised they would call me back when resolved. It took almost 3 weeks (they called Thursday. So what do you think of Erie? Would you be timid about a company that was 'down' for almost 3 weeks (unable to service existing policies or quote new policies)?

Just got the email. Already paying around $300 a month. Now I get to pay $350. That's after one year of coverage for a one year old dog.

Hoping someone could possibly shed a little light on my situation. My daughter wrecked her car in front of our house on March 2nd. On March 5th Progressive sent the tow truck to retrieve the vehicle which they towed to an IAA auction yard to have it appraised. The appraiser went on the 7th. I spoke with someone from progressive on the 8th who needed to verify a few things. She said something about it being a total loss which at that time I didn’t know, which apparently she thought I had already been contacted. I told her I hadn’t so she said well I’ll just go over it real quick even though this isn’t my department. She said that it was a deemed a total loss and they valued my car at $8200 something (I don’t really remember the exact number) Little lower than I expected but okay. Anyway I logged into the app to check the status of the claim and I do see it’s a total loss but the only thing I see is the appraisers repair estimate for $8289 and the deduction for the deductible. Is that what they are actually valuing the car at? Or is that simply a repair estimate? We still owe on the car so I’m trying to plan accordingly. I’ve contacted our adjuster but have left messages with no return call as of yet.

This is my first time dealing with something like this and I’m looking for some guidance. Long story short in May I was involved in a Rear End accident. The owner of the other vehicle was at fault and I am trying to file a diminished value claim through Allstate insurance (the other drivers insurance) as I was planning on selling my car and upgrading this year. After repairs, I took my vehicle (2024 Subaru Crosstrek premium with under 20,000 miles) to the Subaru dealership to get an estimate of diminished value (they estimated $1500). They gave me a printout indicating this. I submitted it to Allstate and Allstate is coming back and saying they’re only giving me $500 because there was “no structural damage damage done” I live in the state of Oregon. (Not sure if that matters) Am I stuck with this $500 or is there a way to negotiate the full $1500? TIA!

So this may slightly be my fault but I need to vent and need options. I have had pets best for 2 years. My golden retriever blew her ACL and I took her to a surgeon and they confirmed it. The entire process took 5 months. I called pets best to see how to proceed, they said to pay the bill and then send everything to them. So I did. They just came back and said that they will not reimburse me because I don’t wait 6 months to have the surgery. WTF!!! and why would you not tell me when I called to ask how to proceed?!? Am I just out of luck? Or do you think that this is worth fighting? I am out $7k now. This is why I had pet insurance in the first place!!!

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.

After a surgery consultation, my doctor submitted a pre authorization request to my insurance, Anthem (North Carolina). I believed it had been sent on March 17th, so I called my insurance to check the status last Friday. However, there was no record of any pre-authorization being sent. This turned into the insurance calling the office, and they confirm it was sent March 24th (so it is confirmed by both the office and the insurance rep who called). Now today, I called to make sure the information had been updated, and that the pre-authorization had officially been received. Once again, they say there is zero record of any pre authorization. This is my first time having to go through this process, and I'm just super confused. I know the expected date to hear back is within 15 days, but I at least thought the request would be on file. I don't want to have to call again, but I'm getting worried that the request won't show up in the Anthem system. Plus I can't schedule surgery until this is approved, and I need it done this summer so the longer this takes the more nerve wracking it is. Basically, is it normal for my insurance to have no record of this pre-authorization request 14 days after it was sent?

Hi all, I recently moved, got a new gastroenterologist, and switched to Blue Cross Blue Shield insurance. I specifically went to the new doctor to get a prescription for Viberzi for my IBS. I've been on this medication for four years and knew the new insurance would require prior authorization. Long story short, my prior authorization was denied because the insurance company said my medical history wasn’t documented. I was confused since I had already submitted my past medical records to the new doctor. When I called the office to check, they told me they *can’t* include previous medical records because they were from before I became a patient there. They said they are going to submit it again and it will go to a peer-to-peer next. And I asked if the doctor will submit my medical history then. And they told me "He doesn't need to send your medical history. He's a physician." I’m really frustrated and not sure what to do next besides hoping the peer-to-peer thing works. Has anyone dealt with something similar? Can a doctor really not use past medical records for prior authorization? Any advice?

Aside from the appalling over 100% premium increase in my renewal this year because my dog turned 10, I've noticed two new things in my Fetch policy. If you have more than 50 claims they can remove discounts and lower coverage. I always knew if you had a lot of claims it would cost you BUT how is the 50 counted? Every prescription claim counts? My dog gets 4 prescriptions a month, some only 10 bucks but it might increase my plans because of the number 50?? Next is the sublimit on prescriptions. Shouldn't be surprised when I saw them add their own pharmacy option. So if you use their preferred pharmacy that's waived. Great. But 2 of my dogs prescriptions are compounded eye drops and not available on their site. Nothing I can do about that? Has anyone ran into issues with these two new policy changes? Mostly worried about the claim one. I probably submit 4 to 5 a month of just meds. I used to put them all in one claim once a month but they kept messing up that way 🙄