Are there any insurances that cover dental only? I’m currently with Healthy Paws, & while they are getting more expensive for now it works for us because of the unlimited payout if we need it. But last year he had a cleaning and extractions that ended up being over $2000 when all was said and done, and if he needs more this year I’m hoping to have some coverage. TIA!

Every six months I get a big envelope from Statefarm with all my car insurance details and prices. It also comes with a bunch of small booklets, think they are called "endorsements". Anyways the one I got said I would owe around $350 . It also says "This is not a bill". Now today I got my bill electronically. But it says I owe $450+. Unfortunately, I recycled the original paper bill that said I should owe $350. Was that $350 likely for some shorter duration? I did remove something from my insurance a few weeks ago so maybe they sent me some pro-rated amounts?

To start, I must say I am very familiar with contractual language, terms, etc. With that being said, I specifically combed through multiple providers agreements to ensure I'd have coverage for specific events. MetLife has denied all of my claims & appeals for of course, it having been a preexisting condition. That in itself is hilarious - during an annual checkup my vet and I were discussing how she's been and I mentioned a little sleepy that week but so was I and they diagnosed her with "lethargy". Either way, unless reviewing their policy certain tests and medications would appear to be included under coverage regardless. It's difficult to give specifics over Reddit, but I figured someone may be able to direct me on how to pursue this further.

Hi, I am really lost and in need of advice. I was involved in an accident where my car had to be towed away (edit: to a combined autobody & tow shop). Because the airbag deployed, they were assuming it would be totaled, and Progressive said they were coming to pick it up to evaluate the damage themselves; not allowing the body shop to give an estimate. (edit: 2013 Kia Optima) I was told by Progressive that the driver at fault carried the minimum property damage allowed by the state of Maryland and he was "afraid we were nearing that limit since they paid $5,000 to get my car released from the tow lot." My car was there for 1 week (8-5 thru 8-12) and I released it to Progressive on (8-8), they just didn't pick it up until today, 8-12. I thought that was a crazy amount, so I called the tow yard(edit: combined tow yard/body shop). They claim Progressive did not pay them a dime. The body shop only received a check from a salvage company (which I didn't (at least knowingly) authorize, and they don't even have proof of the title in my name.) The tow yard (edit: combined tow yard/body shop) is claiming that even though they got a salvage check, that shouldn't affect the amount insurance should pay me. Does anyone have any additional information or advice? Is this just a "he said / she said" situation? TYIA!

Location: Washington State I’m dealing with a housing situation that has gotten increasingly serious, and I could use advice on whether I have a legal case and what my next steps should be. I don’t qualify for free legal aid, but I also can’t afford to hire a lawyer outright. I’ve already spoken with the Tenants Union of Washington State, who suggested I update my complaint with the city’s code enforcement office on Monday because the situation has escalated significantly since I first reported it. They also mentioned I might be entitled to compensation that my landlord isn’t disclosing (either intentionally or not). I’m wondering if I should wait to hear from code enforcement again or if I need to start pursuing legal representation now. My story begins at the start of the new year. On January 6, I submitted a service request because the floor in my entryway was visibly warped and I was having trouble closing my front door. On January 8, maintenance came out, removed the weather stripping from the bottom of the door, and marked the request as complete even though no inspection was done and the root issue wasn’t addressed. At that point, I figured I had at least documented the damage in case they tried to blame me later, but I had no idea how bad things were about to get. On March 26, I submitted another repair request because there was now visible water damage and possible mold along the baseboards next to my front door, along with the floorboards becoming even more warped. In my bathroom, there was a significant colony of black, furry mold that had grown between the wall and a small stepstool I had propped up against it. I had also noticed that there were "blisters" in the paint on the walls in the hallway leading up to my apartment where water had obviously started to pool. Maintenance showed up the next day, told me they would "call someone," and once again closed the ticket without fixing or really even looking at anything. On March 29, I went into the leasing office to speak with someone in person because I felt like the issue was not being addressed properly and I wanted some answers. I explained the problem to the leasing agent and he asked me to send him an email describing the issue (which I did) and that I should open yet another repair request for the issue (which I also did.) On April 1, the maintenance person showed up again. This time, he brought a pipe wrench and literally tried to hammer down the warped floorboards (no joke). Then he sprayed two sprays of mold inhibitor on the wall next to the front door “just in case.” That afternoon, I was told that a water restoration company would be out the next day to inspect the unit. The water restoration company came first thing on April 2, while I was still in bed. They found significant moisture behind the walls and suspected the presence of mold. The property manager came by a few minutes before noon, took photos, and informed me that my apartment was currently uninhabitable. He told me to file a claim with my renter’s insurance for a hotel. I work from home and was in the middle of my work day when he told me that the water restoration company would be arriving shortly to start dismantling my bathroom to start looking for the cause of the leak. I ended up making a claim with my renter's insurance (even though I believe property management is responsible for the cost of temporary housing) but without a statement of cause, my insurance wouldn't help me find a place to stay so I had to make arrangements on my own for myself and my dog. I'm currently staying in a hotel down the street from my apartment building that is being charged to my credit card. On April 3, the leasing manager called me to inform me that my apartment is unlivable and they have no timeline for repairs, so I have the option to either break my lease with no penalty or move into another unit (with them paying the moving costs). I asked him to send the offer via email because I needed a written record of the offer before I would even consider anything. He sent me an email the next day (April 4) briefly outlining my two options: either I transfer to another one-bedroom unit in the building at my current rental rate, or I break my lease with no penalties. That’s it. He didn't even include the offer to cover moving expenses to the new unit. I'm stuck in a frustrating situation with no real solutions. My renter's insurance isn’t covering my hotel costs because they won’t pay without a statement of cause, which I still don’t have. Even if they do cover it, I’ll still be out $250 because of my deductible. I expect the property management company to take responsibility for that since the damage was caused by their neglect. The options they’ve offered don’t even begin to address the full scope of the inconvenience and stress I’m dealing with. There’s no mention of covering the moving costs, or even offering rent relief for the time I’ve been displaced. Neither of these options account for the impact this situation has had on me and my dog. What should I be doing next? I’ve already filed a complaint with the city’s code enforcement office and plan to follow up on Monday, but I’m not sure if I should be waiting for them or moving ahead with other options, including legal advice. I know I can’t afford to hire a lawyer outright, but I also feel like I’m being jerked around by the property management company and my renter's insurance. Any advice on what steps I should take next?

Long story short. February 12th, Progressive sent me an email saying if I don’t pay the minimum that on the 28th they would cancel my insurance BUT on February 14, they sent an email saying that they had already canceled my policy on the 3rd… They still want me to pay a full month’s bill for insurance I had for only 2 days. HECK NO. I had been fighting a case to get money back for a certain reason & they assured me that everything would work out. Apparently whoever was looking into my case, denied it (okay fine… sure) & then for some bizarre reason took it upon themselves to believe that because it was denied I wouldn’t want insurance anymore? So they canceled it themselves. Yes, I was on the phone with them about 3hrs. They all said there’s nothing that can be done but that an agent shouldn’t have the power to cancel one’s policy. If I don’t pay, it goes to collections. So why did he? How do I fight this? Please help. Thank you in advance <3

I got a MRI done two weeks ago. When I scheduled the appointment the staff told me they didn’t know the amount to be billed since my insurance is a high yield deductible and no copay. They mentioned that if I want to pay out of pocket without using my insurance it would be $500. Fast forward I received a processed claim from Aetna saying that I need to pay $920 and that the X-ray company billed them $1,200. Is there any way to reverse this? I feel scammed by both the X-ray company and Aetna. Can I fight back a processed claim?

Ok, this is absolutely insane to me but coming here to see if anyone has any advice or thinks I'm overreacting. My dog's TLDR background: * almost 2 years old, GSD mix with cattle dog, pit, husky * has been exhibiting some intense anxiety (can't take him on walks) and sensitivity to noises (these send him into a panic) * our trainer noticed he had a head tremor when he was about 5 months old, but my husband and I never noticed it, neither did our first two vets. Our current vet noticed it + an eye tremor about two months ago and recommended we see a neurologist and get an MRI * Thankfully the MRI showed a normal brain but it did show an inner ear infection The MRI was almost $5k. I submitted it to Embrace and they DENIED it because they are saying his inner ear infection is related to his itchy skin that he had when we rescued him at 6 weeks old, and therefore falls under his pre-existing condition. The MRI wasn't to identify the ear infection, that's just something that happened to show up. The MRI was for his brain health to see if we could determine why his behavior has gotten so anxious and he's started showing aggression. I've included screenshots of their "reasoning" and it seems absolutely crazy to me. Has anyone experienced something similar or have advice on how to proceed?

**Context:** Policy Information • Protected Since: 06/08/2011 • Current Monthly Premium: $431.58 • New Monthly Premium Starting in 63 Days: $1,207.12 Posted yesterday here: [https://www.reddit.com/r/Pets/comments/1jttro5/healthy\_paws\_pet\_insurance\_warning/](https://www.reddit.com/r/Pets/comments/1jttro5/healthy_paws_pet_insurance_warning/) *"I understand that premium increases, like any increase in something we use or pay for regularly, can be a stress financially. Our goal is to keep your premiums as low as possible while still providing the policy’s features and benefits. Premium rates are based on many factors, including the increasing cost of veterinary medicine, the pet’s age, breed, sex, and zip code. Insurance regulations require us to charge a premium that is sufficient to cover anticipated claims. Premium increases are filed and approved, where required, with your state’s insurance regulator.That being said, you do have options for decreasing your monthly premiums.  If you would like to decrease the cost of your monthly premium, you can do so by assuming more financial responsibility in the cost of your pet's health care. You can do this by increasing your pet's coinsurance and/or annual deductible.  If you would like more information on those options and what those premiums are, just let me know via replying to this email and I will be happy to send those over to you.If you would like to speak with me to review the matter further, you can simply reply to this email noting a few dates/times that work best for you, and I will be happy to call you back at your desired time. Please note that I am available Monday through Friday between the hours of 8:00 am - 4:00 pm Pacific Time."*

Hi guys. I have Pets Plus Us for my cats. A little while ago my cats were exhibiting signs of asthma, the vet said that if it’s only infrequently then he doesn’t see the need for medication but that if I really wanted to he could give us a trial amount of prednisone to see how it works. I agreed, and when I submitted the documents the insurance wouldn’t cover it because the doctor wrote in the notes that I insisted on trying the meds not the doctor. Anyways, rewind to now. My cat has a serious case of diarrhea. The vet suggested a PCR. However since he’s an indoor cat I highly doubt any parasite or virus will be the issue. My friend who works at a different vet clinic recommended I get my vet to do an ultrasound. However, I’m very nervous to suggest this myself instead of my vet suggesting it because I’m worried my insurance will deny the claim if the vet writes in the notes that “owner requested an ultrasound be done” instead of the vet being the one to suggest it. Is this a real concern? If I want insurance to cover any treatment or diagnostics, should I avoid making and suggestions or requests to the vet so that any tests that are done are only at the suggestion of the vet? Money is a big concern right now since I lost my job so I don’t want to risk getting my claim denied. Thank you in advance!