Our cat Miles was experiencing bleeding gums, bad breath and difficulty eating. We brought him to the vet and they thought he might have tooth reabsorption. They gave us an estimate for a dental and we submitted it to ASPCA. ASPCA approved it and we went ahead with the dental a week later. Dental was complete and ended up not being as bad at the vet thought and he ended up with a cleaning and no extractions. We submitted to ASPCA and the claim was denied. They are saying that it's a pre-existing condition because Miles went to the vet last June after getting into a house plant and the vet noticed gum inflammation from it. The vet gave him an anti inflammatory and notated in his October check up that his gums and teeth were in good condition-- in our minds, the inflammation from eating the plant was "cured." ASPCA will cover pre-existing conditions that have been cured for 180 days. The vet used the word "stomatitis" in the records during the June visit and that's why ASPCA is denying us. Because stomatitis isn't considered a curable condition. Our vet tried to reason with them but they won't budge. Our biggest disappointment is with the bait and switch-- when I called to ask why the estimate was approved and the claim was denied, despite them having his full medical records both times, they said they got "new information" in that week between the estimate and the procedure. Not sure how that could be because they had everything about him from vet for the estimate. Not a great start to our relationship with ASPCA.

I’ve received a series of new and confusing EOBs denying claims I usually had had no problem getting approved quickly before. Pets Best informed me on the phone that they have a new automated system that some claims get filtered into that is causing some claims to be incorrectly denied. Wanted to update and post here because their customer service truly is so helpful and kind, and if you call them they will fix your issues by flagging your denials for manual review.

What are y’all thinking of doing- keep Healthy Paws for now if your premium hasn’t yet increased or cancel it now before you continue to give them money each month and they have a chance to ridiculously raise your premium in a year or two? I’ve had them as an insurer for two years. My golden retriever just turned 7. I know, these pet insurance companies get you bc it’s so hard to get new insurance for older dogs. I’m hesitant to continue giving a company my money if they treat their clients this way. The amount of premiums I’ve seen posted here in recent months is alarming.

Has anyone else had issues with them. Recently had hail damage to home and they gave my contractors heck. The adjuster did a half azz job while taking notes for the claim. Contractors came and wanted to add more due to the OBVIOUS DAMAGE that was left off. They denied it. Meanwhile im watching my neighbors get their siding replaced along with their sheds lol. Im between these two homes at that. They also called contractors lying saying photos weren't real and I had to go and prove and sign off that they were. You pay as you should and when its time to use them they nickel and dime you.

Going from $113-$127, smh should I look into switching or would it be the same anyways?

2024 I met my deductible for the first time so I decided to see a sleep doctor. Found the doctor through my insurance portal as in network. Went to my visit, no payment as my insurance is accepted. A few months later I was billed as out of network. I call the doctors billing office and they assure me they are in network, they will resubmit to insurance. I get another bill, doctors billing department reassures me that they are in network, resubmits. Now in 2025 insurance and doctors office confirm that the doctor only became in network for my particular plan 10/1/2024 and my two appointments were in September 2024. Very suspicious. Is there anything I can do to get out of paying? Everybody was on the same page so I am not sure what happened? I suspect the doctor forgot to renew with my plan and so it went into effect the following month of my visit?

I was in a accident. Mine was certified 23 Crv hybrid sport with only 16k miles in chicago il. I tried passing a car and lost traction. Anyways now insurance is offering only 32k and they say I can only show compa within 75miles. they used Mitchell and jd power. they have listed 10 cars in 75 miles but 4 of them were sold listings. What do I do now to get the best amount possible. I can see listings but they are with more miles same like 30k miles and are at 32500 but can't find listings for 16k miles. This is with progressive.How do I negotiate with the adjustor or is it best to get a lawyer or private appraiser? Also is there a thing I shouldn't submit comps more than 75 miles away?

My dad's car was hit by a city trash truck in upstate New York. He was stopped at an intersection and it hit him as it completed a turn onto the road he was on. He was not injured, thank god. My dad was driving an old (2006) SUV that was still in great shape with low miles that he adored. The front bumper and fender on the driver's side is smashed but it is still technically drivable. His insurance (State Farm) is offering him $4100 to surrender the car, or just over $3,000 if he wants to keep it as owner retained salvage. My dad is very upset because he loves this SUV and feels like he should be made whole since this accident wasn't his fault at all. I think the amount they're offering is generous given the age of the car and I've explained this to him. He wants to keep it and fix it himself (restoring cars is his hobby). But it looks like NY will still assign this a salvage title and he thinks this is unfair. Does he have any other options here? He did not get a rental car as State Farm suggested but has been driving his brother's car instead. He has taken time off his part-time job to deal with this situation, so I suggested he add up the time off work plus any mileage and gas bought for his brother's car and tell State Farm about this too. He's just really upset and I'd like to help him with tips on anything else he can do. Any suggestions would be greatly appreciated!

So I recently opened a new policy with GEICO for my car. A few days after opening the policy(march 2025), they added a driver without contacting me or giving me any notification. That alone increased my premium $450. The driver that was added is my GF that doesn’t live in my household or is licensed to drive(never got a DL). They claim I added her in a quote but i didn’t quote with them since ~Nov-Dec 2024(she visited during this time and left in Jan)I know you’re supposed to include any person in the household in a policy due to liability but I’m currently living alone. GEICO also claimed that they use “DMV records” to add drivers to policy on behalf of the customers if we didn’t do it already. That couldn’t be the case since my GF had no affiliation with the DMV in my state. Any advice on this matter would be appreciated

I believe that a Psychiatry doctor within my Aetna Network is no longer licensed or have an active license in Texas. He has a NPI and Medicare number and part of multiple insurance networks. But, I cannot find an active license for Texas and Aetna actually says that they do not verify if a doctor is still licensed?? This is not good! Would you assume that a doctor is active if he's a part of a network?