They advertise they never raise rates due to age. I got insurance when my dog was a puppy and in the two years ive had her the rates raised annually from $40 to $50 and now $60. It sure seems like they raise rates based on age, unless you are telling me that vet care has increaed by 50 percent in my city in the last two years. Even in the very email they sent about the rate increase, they said "Trupanion is unique in that we never increase your monthly cost because you’ve submitted an invoice or because your pet ages. "

So I’m (M22) new to all this Pet Insurance jazz. I just recently moved to my own apartment from my mom’s house, so I moved my cats pet insurance to my new address just so it’s easier and have a sense of independence. When I called MetLife to switch my address, the representative said NOTHING until the very end about me having to pay my deductible AGAIN and I would also be charged ANOTHER payment for my cat’s insurance as it would be getting restarted. I just wanna know if this is true or if I gotta make a phone call?

Had my payment coming up of $519 ( 2 payments of 259, lumped together) I instacart for my income and it had become too hot recently to do as much as normal. I let geico know i could pay some not the full amount due, representative told me pay what I can.. thinking it was notated on my acct and id be ok.. (8 years of coverage) I continued to work although I started training at the job I finally got hired for, taking away time to instacart.. long story short I saw Geico canceled me on 7/21, I found out a few days ago because I don’t check emails often. They usually text me. Im in NY, To reinstate I need to pay off my balance 389 + 300 for new coverage.. I don’t get paid until the 15th.. anything I can do? what do I need to be concerned about? any penalties.. etc. Really thought the representative did me a solid, why not say it would still cancel?!

Hey Everyone! I brought home a new kitten on February 14th. We went to our first vet visit on February 15th. I uploaded the documents within a week of our visit and started the claim process the same day, to give my vet time to send their paperwork. As of today, my claim is still not finished processing. I was told their email system was down and they're now processing claims in the order they came in. I was also told they have a 40+ day SLA to get it done. Seriously? 40 days to process a "fast" claim? Why advertise speedy processing if you internally have a 40+ day SLA? End Rant

Hi All, I'm hoping you can help me review my options and come up with a plan for a recent unexpected (and I believe inaccurate) medical bill. I get annual cleanings and other routine dental care (e.g. 1 set of x-rays a year) for free under my dental plan. I have just recently gotten off of my parent's insurance and onto my own plan so I made sure to double and triple check both on my insurance provider (Cigna)'s website and on Zocdoc that I was booking an in-network appointment. At my appointment, however, I was seen by a different dentist than the one I booked with who ended up being an out-of-network dentist. I was surprised by a $400 bill from Cigna, which should have been $0, several weeks later. A fruitless chat with a Cigna rep led to them reprocessing my claim, even though I knew it wouldn't do any good since the information submitted by the dental office showed that I was seen by the out-of-network dentist. A week ago the claim was processed and my bill went up to nearly $1000 because they say the facility is out of network. It is not, and I have a screenshot from Cigna's website showing it isn't. Anyway, I'm feeling a bit lost about how to proceed. I know about the No Surprises act but am not totally sure how I would go about using it to my advantage here -- I do have the original emails showing that I booked my appointment with a different provider than the one who saw me, but am not sure how I can communicate this to the right people. Any advice about next steps would be very much appreciated! TIA for helping me figure out how to move through this. EDIT: In my 20s, live in NY State, insured through employer.

I've had a Hagerty policy for about 4 years on my B5 S4. For context, I live on Long Island, NY. Around December of last year I made a decision to remove the insurance and plates from the vehicle due to other priorities in life. Over the years, my annual policy rate typically ranged between $600 to $720 with an agreed upon value of $15k. Deductibles were $500 and property damage / bodily injury was set to $100k/300k with supplemental at $50k. The time has come to get insurance and plates for the car, again. I got a quote from Hagerty yesterday and it came up to $2370 per year! The policy was configured identically to the last quote I received for renewal in February of 2025 which was quoted at $719 for the year. My driving record, credit score and address is the same. I called up to have someone review and validate that I have configured the quote criteria exactly as the recently canceled policy. The Hagerty rep confirmed the policy configuration and was also shocked by the difference in the quote. She mentioned that there was an increase recently to all NY issued policies but she did not have any other value added info. Do any of you fellow redditors have a recommendation for a specialty vehicle policy with other companies? I filled out an additional application with Grundy that is currently under review.

I’m having. Hard time with them right now!! I got my female cat spayed n hernia repair through the local spca low income program before I got her insurance Fast foward she now has pet insurance with trupinion since Jan she was spayed/hernia in September They keep emailing me n calling me for records on her spay n repair said they have contacted the SPCA n they haven’t emailed back ! I contacted the spca they don’t keep records or notes form the spay program So they emailed them n told them that! So now they are saying without proof she was spayed or hernia repair if I ever file a claim it may take longer to resolve stuff! I’m starting to think I’m paying them monthly for nothing ! I got insurance so I didn’t have a huge vet bill if she needs to go to the vet n cause they pay direct ! Anyone else have this issue? I mean what happens when someone gets a cat off the street or wherever n it’s already been spayed etc but they don’t know from where n don’t have records! Ugh! I feel like I’m wasting money!

I recently had to cancel my insurance policy within 24 hours, and I was charged a $12 enrollment fee. Dianna, a manager from MetLife Pet Insurance, mentioned that while they will refund the premium, the $12 enrollment fee is non-refundable and isn’t included in the premium. Just a friendly heads-up for fellow pet owners!

Has anyone had experience with this? My dog (German Shepherd) has never had any serious health issues — just some pretty nasty allergies. I signed up for Pet’s Best last December (when my dog was 5 years old), and I swear ever since I signed up, it’s been issue after another with her. First, in May she got SUPER sick, just GI upset, but we were back and forth from the vet for a week or two straight. I paid my bill with my emergency savings, Pet’s Best reimbursed me my 90% after the deductible, no issue. Then comes June. My dog suddenly was unable to jump onto the couch, into the car, etc. I brought her to the vet, got x-rays, and my claim was approved yesterday. They’re reimbursing 90%. Now today, I noticed some swelling around my dog’s anus. I’m waiting to hear from the vet on whether or not I need to bring her in today. I’m here panicking that Pet’s Best is going to think there’s some sort of fraud going on, and they’ll cancel my policy. I swear it’s not fraud, I’m just having the worst luck of my life 😭

I was rear ended at a dead stop and it caused $13k of damage. I have a Hyundai Palisade with only 9.5K miles on it. Allstate accepted fault, but they are denying my claim for loss of value. They are saying since my Palisade was in an accident (also rear ended) three years ago ($17K damage in that one) that there would be no additional loss of value. I find it hard to believe the second accident would diminish the value of my car by ZERO. What are my options here? Thanks in advance!