I have had Trupanion insurance for my 6yo cat Eloise since I got her as a kitten. The premiums have increased each year, which is to be expected, but I just got the new 2025 policy and it increased from $28.95 to $42.31. What?! Eloise is healthy other than gingivitis. She had to have a dental cleaning this year and Trupanion actually covered part of it, even though the way the policy is written made it seem like they wouldn't. I submitted it anyway and most if it was accepted. I only got a little back after deductible but considered that a win. Hopefully she won't need another cleaning for a few years. I'm not paying $42 a month so my question is, is insurance really needed for a health cat? And if so, any recommendations? I didn't have insurance for my two prior cats (it wasn't so much a thing when I got them way back). One of them was mostly healthy for 15 years then the last 6 months of his life it was one expensive crisis after another. After he died and I got Eloise, her vet strongly encouraged insurance. I did the math and what I would have paid in 15 years of premiums was almost exactly what I paid in 6 months of those medical problems. It would have been nice to get a % back after deductible during such a stressful time. So that is what swayed me to get insurance for Eloise. $20 then $25 then $28 seemed reasonable. But $42 does not. [Especially when Trupanion CEO has a compensation package of almost a million dollars.](https://simplywall.st/stocks/us/insurance/nasdaq-trup/trupanion/management#:~:text=Trupanion's%20CEO%20is%20Margi%20Tooth,company's%20shares%2C%20worth%20%245.14M) Her current policy: Max lifetime benefits: no limits Deductible per illness/injury: $500 Co-insurance: 90%/10% Waiting period accident: 5 days Waiting period illness: 30 days Thanks for any insight!

For context, this is in reference to a claim with American Family homeowners policy in AZ. Long story short, we had a claim for our shower 6 months ago. Contractor gave estimate for $8700 (ish) and I was paid $7700 (ish). Our responsibility is our $1000 deductible. Our contractor is auditing our account to make sure our final bill is correct and he’s saying that O&P was only included on a few line items and not all of the line items. He thinks we are owed more money because it wasn’t properly calculated. The adjuster is saying that O&P is only paid when 3 or more trades are used and we had more than 3, but somehow there is a disconnect and the adjuster is stonewalling him. I don’t know how to approach this situation. We’ve used this contractor before on a previous claim years prior so I trust him and his expertise about insurance claims and what’s “right” and not fraud. And if this is how he deals with other claims, how is it that American family is causing such a headache? I just don’t know what to do. He also thinks that if he was dealing with an experienced adjuster this wouldn’t even have been a discussion and it would have been handled correctly. Any insight would be great. Thank you.

We got pets best insurance a few years ago and this year our 9 year old dog was diagnosed with lymphoma. After a few months of receiving expected claims, they suddenly started denying everything, forcing us to appeal every time. After appeals, they usually end up paying, but it’s incredibly annoying. But this month, our policy renewal came and they DOUBLED our premium!! DOUBLED, in the first and only year where we actually made claims…. How is this legal? They say it’s across all their plans, but I don’t believe it for a second. Anyone have this happen?

Hello! I was rear ended, and the other party was liable. I submitted my vehicle for repairs at the shop of my choice. The car has been in the shop for way longer than the estimate stated due to shortage of parts. (Estimate was approved for 20 days, and its been almost 5 months lol) Adjuster stated they wont be covering the rental because it was excessive. I know that some shops are not truthful, but I confirmed with Acura. The parts were genuinely on back order the entire time. I told the adjuster that its not my fault that Acura is backed up, and that I wouldnt be in this predicament if their insured hadnt hit my car. He insisted that they wouldnt reimburse me for the rental. Side note: Originally the adjuster estimated approx $9K in damages, and the shop was in the ball park of $21K in damages. When the supplement was issued, the allotted time to repair still stayed at 20 days, is that normal? My thought process is that if there was more damage, then it would take longer to repair lol. What do I do? If I seek legal assistance are the odds in my favor? Im in Illinois if that helps.PLEASE HELP

My Dr wants to enroll me in a weight loss support group program. I have a high deductible plan with UHC so I will essentially be paying out of pocket until I meet my annual deductible. Dr's office asked me to call my insurance to check if it's covered, and they told me the billing codes. UHC said it's covered, but the cost ranges from $30-250 (per 20 minute session) depending on what the provider charges. They will pay 90% after I meet my deductible. They say that they don't know how much a particular provider will charge. I asked my Dr what they would charge, and they said the price is set by the insurance company. Who is lying?

Carvana Location: New York I’ve had my Subaru from Carvana since 2023. I recently (3 weeks ago) bought a truck on Carvana. Three days ago I was pulled over in my Subaru and the cop told me the plates were registered to my truck. He gave me 2 tickets. I have been unable to drive because Carvana still has not fixed this. My digital glove box on Carvana has all my truck information. I can’t drive the Subaru because they totally unregistered it. The truck is my brothers. Carvana says they have no idea what happened on their end. They told me they have no idea when it will be resolved. I live in the

Received my 6-month renewal notice for Progressive and suprise (:smile:) a 20% increase. Problem is I use Snapshot, have 4/5 average, which I thought yields an additional discount, not an increase. I called. Progressive claims rates go up/down all the time and can not give me specific reason for this increase. My 4/5 average Snapshot is already included in new rate. Is this practice common, follow *their* Snapshot rules - get increase ??

My question in the title does not in anyway mean as an attack, simply my genuine curiosity based on my personal experience. My parents recently migrated to California so we went to a certified enrollment counselor in NorCal. For some reason this counselor keeps pushing BenefitsCal and also to sign up for her clinic's health care plan. I am already a Kaiser member myself, so I wished to sign my parents up for Kaiser as well. But she kept pushing back, I assume because she benefited if we signed up for her orgs plan. The whole thing made me very uncomfortable. Wondering if anyone has experiencedthe same?

We purchased (with a mortgage) our house April 2023 in WV. Sorting and opening mail today. I opened an envelope from Erie Insurance assuming it was my renewal paperwork. No it's a policy continuation notice for a tenant policy held in someone's name I'm not affiliated with in anyway (it is addressed to them but did not realize as I just opened without looking assuming it was my policy info). 20k personal property coverage with a monthly premium of $245. We're new to the area, having moved here from TN and have kept to ourselves. Small town with a population of barely 2k. So I 💯 do not know the person or have ever spoken to them. The kicker? When I look this person up he's a cop for my county. And the agent that wrote this policy is 5 blocks from my house off the main road thru town. WTF do I do here? I'm concerned that this is a policy held by a local younger cop near me. A LONG time ago this was a multi unit home, but the previous owner we purchased from owned for 10 years as a single family home so it's not likely it's a policy that has just been continually carried over (why I mentioned they're younger) for the last 10+ years.

Help me understand this one. My wife was injured by my neighbor's dog, knocking her down and tearing her ACL (it wasn't aggressive, just large and friendly, freak accident.) Surgery was very expensive, went through my employer based insurance, no big deal. We start getting letters from Conduent, asking if someone else was responsible. Yes, neighbors dog and property. Gave them the insurance info, we all expected some subrogation of claim and I'd prepped my neighbors for that. Then I get another letter asking about what legal representation we retained in a suit against them. I called them and told them we haven't sued them. That we have a good relationship either our neighbors, it was a freak accident, and we aren't litigious. The woman sounded extremely skeptical and said something to the effect of "let's see how you feel about your neighbors in a few months. I'll check back in 6 months." It was the tone that really bothered me, sort of like "oh you just wait and see, you will!" Like something is coming down the pike that's really going to ruin my day and make me want to sue my neighbors. Can someone walk me through this one? Insurers work together in auto accidents without requiring litigation, I figured it would be the same thing here.