I have had Embrace pet insurance for my dog and cat for 10 years and they have always been Awesome and I have a 90% Reimbursement Rate on covered claims . They have covered many claims and have helped alot . I do pay a hefty monthly price to have this peace of mind. I’m use to an annual increase that’s incremental but a 55% jump from 220 a month is just outlandish in my opinion to 340 a month now . Have you experienced a High Rate Increase also?

I adopted a cat just under a year ago now. She is a domestic shorthair and will be two years old this April. While she hasn’t had any major issues yet, I grew up with family pets and know it’s only a matter of time before I end up with a $1000+ vet bill. I’ve been looking at pet insurance companies and reviews and none of them seem good? Either everyone seems to have major complaints about every single one or their coverage is really weird. I’m still going to get one, especially since I believe my cat is starting to develop gingivitis and as far as I’m aware, it hasn’t been noted by the vet, so I’m hoping it won’t be counted as a pre-existing condition. I was originally interested in SPOT but then saw that a bunch of people said they were a scam, so I started looking into others. The top three I’ve been debating between: Fetch, trupanion, and nationwide. I really like the price and coverage of Fetch, but I’ve seen a mix of both bad and good reviews on them. If anyone has any good/bad experiences I’d appreciate it, especially with cost/coverage changing as your pet gets older. Then there’s trupanion, which I love that they claim to not increase the price as your pet gets older, but I’m unsure about their deductible since it’s per condition instead of annually. It seems great for pets that develop chronic conditions, but maybe not great for illnesses and accidents that I’m assuming would each fall under their own “condition” and thus leave you stuck paying the deductible every single time. If anyone can shed some light on this I’d appreciate it. Last, nationwide was recommended to me by my sisters friends. For around the same price as trupanion, their coverage includes additional things like dental cleaning, wellness, exam fees, etc. I’m just worried about the price hike that might occur as my cat gets older. Please give any recommendations and/or experiences, either with these three or with other insurances you’ve used ♥️

Currently have State Farm (been with them for 12+ years), and just learned that the defensive driving and good grades no longer available for teen drivers. Just the defensive driving and steer clear. Is that the new norm for insurance companies? Trying to obtain as many discounts for my teen driver that he could be available for. Didn't know if it was time to shop around!?!? ETA: Next best option to shop around to? State Farm was pretty reasonable when I added him, and has been good to work with. Bummed about the news.

I have a high deductible UnitedHealthcare plan through work and my primary care doc referred me to a local radiology clinic for a mammogram and ultrasound for a lump in my armpit (everything turned out okay). I got the bill the other day and almost choked, $635! I called UH and they said since it was billed as diagnostic and they don't offer any discounts, they only paid about $50 and I paid the rest, essentially it barely mattered that I had insurance. I am 35 so they aren't covered yet as preventative. Should I appeal this? It's so much money after being laid off for 7 months before.

Ugh. So a couple of weeks ago there was a crazy wind storm in my state. I had some roof damage so I got it inspected by a roofing company who told me most of the damage was from hail, which was enough for a replacement. I was told to put in a storm claim with a date of loss for the last hailstorm in 2024. I put in the claim with state farm and I was very careful to tell them that the date of loss was for 6/25/24 and it was for storm damage. I received an email after I submitted the claim and the email says "Date of Incident: 6/25/24". 4 days later the claim is assigned to an adjuster, and we schedule an inspection. Today he comes out for the inspection and he has the date of loss as 3/14/25 and wind damage. He said he cannot make any changes and tells me to put in another claim. Claim is denied because of not enough wind damage. Again, I was very careful when I put in the claim and I never said anything about wind damage or a date of loss of 3/14/25. Somehow the claim details and date of loss were changed between the time I put in the claim and the time it was assigned. I still have documentation (an email) that shows the date of incident of 6/25/24, but if I look at the claim online it shows 3/14/25. My local agent is supposedly working on this but I'm not too optimistic. What are the chances this can be resolved and I won't have to put in a second claim that will potentially cause negative effects to me? UGHHH

My BCBS refused to pay any of my blood work. I was referred by my doctor to go to a specialist to get blood work done, over 6 months ago. Now I got this bill in the mail from Quest and found my EOB. They coded it 002 as “we do not cover experimental or investigational procedures” Ok…isn’t the entire point of blood work to investigate? Anyway, should I call my insurance or the specialist to appeal the bill? Any advice? This has never happened to me before. Thank you!

UPDATE: they finally replied and sent me another link to update payment + the portal access link. Unsure what I did.. I guess since payment was involved, they prioritised? Anyway now I can look at my plan, submit a claim, etc. And they said the Comms would improve in the coming weeks. Staying with them bec the premiums were the most affordable with them. I've seen posts about odie this year but writing about my situation in case anyone has also faced it. To the people who got transferred over - have you received your welcome email? My policy renewed on the 2nd of January, and I never received a welcome email. I had to take my cat to the vet and got a 1k bill. There's no place to submit a claim. Nobody is replying to my emails. And on top of that, I received an email today saying my payment didn't go through with a link to update - BUT THE LINK WAS EXPIRED!! The audacity to ask me for a payment when I have literally no info and no reply from this company. Nobody picks up the phone. And if the payment doesn't go through, the policy will lapse and that will leave my cat without insurance which is soooo frustrating!!! Has everyone else gotten their account setup emails?? Or even received a response over email?? Their voicemail message says if you email multiple times it will delay the response even more so I'm scared to write them again and again. Advice??

I'm a 24 year old male in NE with UnitedHealthcare. I make approximately $82k gross. I've had UHC for a few years now and have always done my yearly preventive checkup, which was always 100% covered until now. I've contacted both my provider and UHC trying to figure out why I'm suddenly being billed. When I check my claims, the labs given were mostly covered by my plan, with small amounts for each service charged to me. * Labs: * 80061 LIPID PANE, * 84439 ASSAY OF FREE THYROXINE, * 80050 GENERAL HEALTH PANEL, * 81001 URINALYSIS AUTO W/SCOPE, * 36415 COLL VENOUS BLD VENIPUNCTURE * If I have to pay my deductible before labs being covered, why are they covering ~77% of my cost anyways? If they're 100% covered, why do I have any deductible? * My insurance says it was coded incorrectly, but my provider says it was correct. * I asked my insurance to compare my previous years' coding to my current claim, and they said it was the exact same thing. CPT and Z codes. * I was given a follow-up call and sent [this pdf](https://www.uhcprovider.com/content/dam/provider/docs/public/policies/comm-medical-drug/preventive-care-services.pdf) which details which codes are considered preventive, and I think I see my labs aren't? But I don't really understand what it all means, and either way it's the same coding as previous years, so why were they covered before but not now? Why cover them partially? * If the guidelines have changed, am I responsible for tracking that and telling my doctor what to do at my yearly checkups? * Is there a super simple explanation for why I'm being charged? Does the insurance have a max payout which the provider over-charged, leaving me to pay the rest? How can I tell? Thanks, this is all very confusing and frustrating to deal with. I don't know much about insurance or anything, but I feel like this is wrong somehow.

Who do you guys recommend for insurance? both of my policys personal & commercial are with progressive, our renewal literally went from 2k a month to 5K a month smh - we have had no incidents, or any history for that matter.

Very long story short, condo had a water leak 4 months ago. My homeowners insurance says that based on the HOA bylaws, the HOA is responsible for the damage. HOA is saying the opposite. So I’m at a stalemate. What do I do? I’m assuming an attorney is my next step but who pays those legal fees if I win? Condo is in South Carolina if that matters. To make it more complicated, my insurance sent in water mitigation contractors that completely ripped my kitchen out. They did this before asking me for a copy of the HOA policy and determining they’re not responsible for yet it was their contractor that came in. Now I have no kitchen and both parties saying they’re not responsible. Ugh.