I feel like this rate is insane for me being by myself 21 year old male in a brand new $50k plus Cadillac, I do need the snapshot through progressive (absolutely hate that) but I have been told my policy is half what it should be anywhere else. Clean record but why is my policy so low? I have average deductibles and had a third party review my account and said the coverage is right where it should be.

I have an emotional support dog and he helps support me with my panic disorder everyday!! I know some people think dog insurance is a joke, but I’m disabled (for physical reasons) and want to be more prepared/protected with pet insurance so I won’t be stuck with a giant bill with a budget income. (Yes, I understand you have to pay it all upfront at the first before you see any money back from insurance.) Would love to hear some decently priced options for mostly full coverage! I have MetLife, but thought I’d ask for recommendations before I switch because $90/month isn’t exactly budget friendly for me 😕 Thanks for making it this far!! 😎👍🏻

I am so lost. Three days I received a call letting me know that an accident I had been in over a week ago was deemed to be the other party’s responsibility, and I was set up with the collision center and rental car. Today I receive a call that the claim the other driver made on my policy was found to be inconclusive, therefore they are now saying it’s word vs word and we both are liable???? They asked several of the same questions I had already explained to them. I told them the police did not arrive because I live in a high acuity city which is understandable. I even went to the police department after and they said in Texas they are not required to file a report “anymore”. I left feeling okay since I had pictures and explaining the accident would surely lead to the right solution! i was not at fault at all! 1. Why would they look at this as two separate claims? ( We both have Geico so I thought this would make it easier????) 2. Can they really go back on their word? I asked to

Hi, I recently adopted a 1 year old retriever mix and he was limping so we had to get him checked, turns out the doctor said while playing he might have hurt himself and he will recover in 2-3 months but now I was planning to get insurance from SPOT or ASPCA , they have specifically written knee and ligament conditions are pre existing forever so for example if my dog gets arthritis later in his life, would that be a pre existing condition? I am trying to find the insurance for my dog, I had pretty bad experience with FETCH so definitely no FETCH for us. Can you let me know what's the best insurance I can use to insure my dog given this curable injury is not considered pre existing for any bigger condition.

I booked a flight from LAX to Hanoi through Priceline, flying with Cathay Pacific and transiting through Hong Kong. I had a valid visa for Vietnam, but I was denied boarding because my layover in Hong Kong was 12 hours and 25 minutes, just over the 12-hour limit for visa-free transit. This wasn’t disclosed at the time of booking, and when I asked for help at the airport, Cathay Pacific’s staff couldn’t assist me—they just told me to call their scheduling department. When I called, they initially quoted me $800 to reschedule to a later flight (11 PM), which I agreed to. After a long hold, I asked if I could take the 10 PM flight instead, and they said it would cost another $700. Frustrated but wanting to get there at the same time as my wife, I agreed. They put me on hold again, and then told me they couldn’t book it because it was too last-minute. Suddenly, the only option left was a $4,000 ticket, which I declined. Instead, they promised me a rebooking for the next day that would still arrive on Monday, which was essential for my plans. I agreed. When they finally called back, they had booked me on a flight arriving Tuesday, not Monday—not what I agreed to. And by that time, they had already charged my card. Now, I’ve lost: • My original $900 ticket (Priceline) • The $800 + $700 for rebooking • A $60 cancellation fee • They even charged me toll fees for the call I feel like I was misled, overcharged, and given incorrect information multiple times. Priceline and Cathay Pacific never warned me about the 12-hour transit rule, and Cathay Pacific kept changing the price and booking me on a flight I didn’t agree to. What are my options to get my money back? Can I dispute the charges? Do I have any legal recourse?

Hi all, I recently moved, got a new gastroenterologist, and switched to Blue Cross Blue Shield insurance. I specifically went to the new doctor to get a prescription for Viberzi for my IBS. I've been on this medication for four years and knew the new insurance would require prior authorization. Long story short, my prior authorization was denied because the insurance company said my medical history wasn’t documented. I was confused since I had already submitted my past medical records to the new doctor. When I called the office to check, they told me they *can’t* include previous medical records because they were from before I became a patient there. They said they are going to submit it again and it will go to a peer-to-peer next. And I asked if the doctor will submit my medical history then. And they told me "He doesn't need to send your medical history. He's a physician." I’m really frustrated and not sure what to do next besides hoping the peer-to-peer thing works. Has anyone dealt with something similar? Can a doctor really not use past medical records for prior authorization? Any advice?

At the end of 2024 my wife visited an allergist to try and get a handle on her allergies. A boat load of testing later and she needs allergy injections for her horrific environmental allergies to attempt to get control of them. Everything is good with this allergist at this point. It’s the end of December 2024 and the allergist informs her at her appointment at the end of the next month (January 2025) she will owe $1500 to start her year long series of injections. We have a HDHP with HSA so we totally understand that cost because the deductible resets. Well life punched us hard over the next month and my wife has ramped up her attempts to find a new job because she is so unhappy at her current one. Given everything going on and the fact that she isn’t sure if she will continue to have the same insurance or access to the same provider to complete the allergy injections if she gets a new job, she decided now isn’t a good time to start the allergy injections. So she cancelled her appointment 48 hours prior to the scheduled appointment. This provider did not give her any kind of verbal, written, mimed, carrier pigeon, etc policy related to appointments, billing, and/or payment policies for the practice. Nothing. So at the beginning of February 2025 she received a bill from Quest for the bloodwork she had done in December 2024. Two of the bajillion tests requested by this provider were not covered and it was going to cost us almost $700 out of pocket (whole separate issue we’re handling). She couldn’t find an EOB so I told her to log onto the portal to see if she could download it. Well she logs onto the portal and there are $2,000 worth of claims submitted from this allergist in mid January 2025. They were not the claims related to her appointments in December 2024 and they were submitted two weeks before she cancelled her first allergy injection appointment. To make a long story short, the allergist prepped the injection two weeks before my wife’s first allergy injection over the course of 3 days and submitted the claim to insurance for it. The doctor’s office is saying she is responsible for the bill and I’m saying that sounds like fraud for billing for treatment she never received and was prepared without any kind of contract or informed consent to give her the opportunity to prevent this from happening. My wife has spoken with 2 different insurance reps and one was like yeah you’re responsible and the other said I’m referring you to our fraud department. The doctor is entirely unhelpful and has refused to communicate with her on 1. Why there is no practice policy to avoid this situation and 2. How long that injection mixed up in good for and 3. What happens if she stops doing the injections after one appointment. What do we need to know about this? Is this fraud? Should we push to not be responsible for this cost? Did my wife make a mistake somewhere in understanding how allergists operate and missed what is the obvious to the field she should have cancelled her appointment at minimum two weeks before it was scheduled?

I am 24, and I got my license at 19. In the past 3 years I have had 3 accidents, 2 of which the car was totaled/not worth repairing. We have Geico, and to renew the plan with me on it they’re charging is about 8k per 6 months, or about 1300 a month. When my dad tried to shop around, the only other company willing to take us on with myself as a driver was Progressive, and when all the details were filled out they wanted to charge us even more. Since I am a member of the household with a license, I have to be on any car insurance plan he gets. We have two other cars, so selling my car wouldn’t impact my dad. I was thinking that after selling my car, I could use the money to pay for ride-sharing. Also: if I turn in my license now and try to renew it next year, will the premiums go down or stay the same?

I am a trusting person. I will state this upfront. We switched home insurance carriers last year. I was told by someone that they discontinued our vinyl siding and to purchase or look for a matching endorsement for it when I switched. I talked with the insurance salesman who I asked if they have a matching endorsement for vinyl siding. He said “it is not needed” i then asked clearly “if one side of our house is damaged and the siding has been discontinued you will replace all of the siding correct?” His response was “yes we will make it right, we will make you whole” Low and behold. Massive hail damage to one side of our house. Our siding is discontinued. Insurance says we will just try and match it to the best we can. Is there any recourse here?