We’ve had Haalthy Paws since my two dogs were puppies. One is now 11 and one is 7 or 8. I just got this email that our monthly premium is increasing to $650 a month!!!! We can’t switch — they have preexisting conditions. This feels predatory. Is this legal? Has anyone successfully negotiated this?

Homesite Insurance I bought my condo five years ago and have Homesite Insurance (according to my recent research, this is not good…). I just filed a claim with them about what my plumber suspects is a faulty toilet wax ring which has caused water damage in the condo unit below mine. Chances are my bathroom will be out of commission for a bit. My question is this: has any one had at least a neutral experience with Homesite? Any tips on how to make sure they do what they’re supposed to? I’m doing my part by brushing up on my insurance policy. Any advice on how to avoid delays is greatly appreciated! I guess I’m just looking for a little hope, lol. Thank you!

I was involved in a motor vehicle accident where I hit two other vehicles at an intersection. I live in an “At fault” state and both of the other drivers told the Peace officer that I ran the red light. The officer gave me a citation for running a red light which I will be contesting in court. I gave the officer my proof of insurance card which was expired. Here’s where it gets interesting. The next day I contacted State Farm. State Farm told me that my insurance policy was canceled more than six months ago due to lack of payment. MY HEART SUNK. I canceled my credit card which was on an automatic payment cycle with them. They denied the claim as to be expected. However, I have insurance through Progressive on a secondary car that I literally NEVER DRIVE. But I have full liability coverage through them on a secondary car. My question. Will progressive cover the cost of the accident even if the truck was not on the policy? Will the other insurance companies go after progressive? Would progressive rather cover the cost upfront rather than go into litigation?

We recently adopted a new puppy. We went to add her to our nationwide policy and payout after deductible is only 70% now. And the policy works as a reimbursement system. If I remember correctly, deductible is $250 and premium is $1000 a year. Is there anything better? Obviously we want to get something affordable that won’t go up ridiculously high as she gets older. Thanks!

I just got an email that they're increasing premium from $38 to $60 in 60 days. Any suggestions on another insurance company?

Hi guys, I used to have Healthy Paws for my cat but wasn’t happy with the service or price, so I switched to Embrace about 3-4 years ago. My cat is now 5 and her current coverage is: $5K annual limit, $1K deductible, and 80% reimbursement. Recently, they denied a claim for a mass removal on her nose, citing a 2022 note about a mass on her thigh—which my vet believed was just a mild reaction to a vaccine that was administered the week prior reaction that resolved on its own (EXACT same location as the vaccine). I’ve submitted a request to review the claim and re-evaluate that pre-existing condition. This is the first time I've had to disagree with their assesment of the bill, and not sure how that will go. But now knowing that they won't cover any masses (including cancer) because of this makes me anxious. This made me reconsider Embrace, what pet insurance do you all use, what’s your coverage like, and how much do you pay monthly? Any recommendations for an insurance that would cover future masses (including cancer) even though she had a "mass" in 2022 that was most likely just a reaction to a vaccine lol.

So our car was stolen and our insurance (Progressive) gave us their vehicle valuation report. The base value is 33k and they deducted almost 12k since it's salvaged title (stolen recovery) so it ends up being almost 21k. My problem is that 3 out of the 5 comps in the report were also salvage title! So I sent them a letter saying based off of their formula they should realistically be giving me the average price of those 3 salvaged vehicles (ends up being 31k after adjustments) these are cars that are selling or have sold in my area. Instead they're double dipping using salvaged cars for comps and deducting the title history deduction on top of that. Now, they give me a call back saying they're firm on their number they can't move around numbers bla bla bla.. I don't get it? , realistically I wasn't expecting 31k I wanted to negotiate and meet somewhere in the middle and now they're telling me they're done.. to invoke my appraisal clause. Like are they serious? Based off of reddit I thought insurances went up a little and tried to negotiate somewhat. So am I stuck now? Should be worth hiring an appraiser right? Anyone go through a similar experience or have any advice?

UPDATE: I called this morning and apparently the post authorization did get approved without my knowing and without updating in my online portal. It's still showing online that I owe the full amount but the employee I spoke with said to ignore those charges and wait for a bill in the corrected amount of $333.87 which is much more palatable. Major thank you for everyone's input!! It was late and I was getting very anxious about it, I seriously appreciate everyone's comments. Hopefully there won't be any more mishaps and I know better moving forward to make sure preauth gets sent. Recently I had a colonoscopy at the suggestion/request of a gastroenterologist for issues I've been having. This was my first time having any kind of outpatient procedure and my first time dealing with marketplace health insurance (United Healthcare) on my own. I did not know that prior authorization was a requirement for this procedure. Prior to scheduling the procedure I spoke with UHC about coverage and was told I'd only be charged the copay because it was in network. After the procedure I found out the medical office and hospital failed to request authorization and did the procedure anyway, now I'm being charged $5,000+ for the colonoscopy because of it. I didn't know I needed authorization and moreover it was the medical facility's responsibility to get that, and NOT perform the procedure unless it was granted. Am I mistaken? Has this happened to anyone else? What are my options? I've already called the medical facility to submit a post-authorization appeal but it seems to be denied as well. I'm at a loss and feel entirely screwed over, would love some advice!

A couple months ago my car was parked and someone hit the back of it (they were parked behind me). Luckily my dash cam recorded everything. I contacted the local police and they went to the man’s house and he admitted fault saying “ I didn’t think it was that bad”. I declined pressing charges as this man was older and In just wanted his insurance info thinking it would be a simple claim. Alas, here were are with State Farm trying to get me to use their preferred body shop and only approving 60% of the estimate. I know they tout the benefits of using their contracted shops but I don’t want to do that. I got two estimates from two reputable shops showing what the cost to repair should be but they don’t want to budge. I also understand that if I go to a non contracted shop then the shop can request supplements for more money from insurance to complete the repairs. I just don’t like being liable for any monies not agreed to by State Farm if that situation were to happen. At this point I’d rather just get the amount the two shops quoted me to fix it and go that route. I’ve compiled a demand letter requesting that amount, along with 10 days of a rental care cost. I think this is fair and hoping this will resolve the claim. Think they will agree?

My husband had a emergency surgery for his appendix on February. We just received his EOB and it says denied because the provider didn't pre authorized the service and that we shouldn't be billed for it. The bill is $37,000. Our insurance is through Aetna. What does this mean? Do we really not owe anything? Or will the hospital still bill us? TIA Unable to call insurance since they are already closed. Edit: The hospital is in network.