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?

Hi all, So this is a grey area and I really do not know how to go about this so I would appreciate any input here. I'd rented a car for the weekend to drive around town and visit nearby places. Had some time left before returning so I had a colleague over, and we decided to go out but he wanted to take the wheel. So, we drove to a nearby restaurant and while parking into the restaurant he backed too heavily and banged into the wall. There is a sizeable damage to the car's rear with scratches all around, damage to the rear lights and the bumper too. I know I am screwed as it is the worst car rental company (Sixt), but also, I was not driving. I know my card, Amex has an insurance that covers this sort of stuff, but of course it requires me to be the authorized driver to be able to claim this. I do not know what to do here, because I do care about the colleague and don't want him to get screwed because of the charges too because I know it is gonna be hefty one (probably a couple thousand bucks to say the least), so any advice would be appreciated here. Do I trust the claim verification process to not involve checking through on the cameras, or, just be honest, I don't know. Help!

ASPCA Pet Insurance Is Engaging in Bad Faith Claim Denials Pet owners need to be warned—ASPCA Pet Health Insurance refuses to honor valid claims and will shift excuses to avoid payouts. My dog, Ash, suffered an acute ACL tear after slipping—a sudden accident. As a retired veterinary technician, I have personally assisted in ACL surgeries and know this was trauma-induced, NOT a progressive condition. ASPCA first denied coverage by falsely calling the injury an illness, despite veterinary documentation confirming it was an accident. When I challenged their reasoning, they changed their excuse, now claiming the medical records did not specify BOTH a timestamp AND exact location. The medical records clearly state: "Presented for limping on right rear leg since yesterday, after slipping…Lame right rear - ACL tear." When I demanded a policy citation proving their timestamp/place requirement, they refused to provide one. Instead, they responded with: "You can reply to this email with any concerns, and they will be forwarded to our management team. If you prefer, you can send your concerns in writing to our office." ASPCA would rather deflect and stall than fairly review claims. Their tactics are clear: ❌ Ignore veterinary evidence ❌ Shift denial reasons instead of applying consistent policy terms ❌ Refuse to cite an actual exclusion supporting their decision I have filed a complaint with the Illinois Department of Insurance (IDOI) and will be sharing my experience widely to warn others about their unethical practices. If you have coverage through ASPCA, be cautious—they will do anything to deny a legitimate claim. Has anyone else had similar issues with pet insurance companies? Let’s talk. People deserve transparency, and our pets deserve the coverage we paid for.

I recently sold some commercial property and I'm looking for an umbrella policy or a large liability policy. My problem is I live in a home that belongs to my 88 year old mom with severe dementia. The home is in a life estate deed to me, I've cared for my mom a long time, I have no claim to the home until she passes away. We suffered significant hurricane damage, now seven months post hurricane repairs are just starting. I had to move my mom out of state with a sibling and mom is so frail she will never be able to return to her home. I am currently on the homeowners policy with my mom but expect there's going to be a problem with the current insurance company at renewal. My mom is out of state and I have no real rights to the home yet. My brother and I have POA but can't sign the deed over to me because mom has only social security and is going to need Medicaid soon. Medicaid does a five year look back. The home she owns is a mobile home, nice but not of great value. It's been in the enhanced life estate deed to me for many years. I do have a vacation home out of state, not a primary residence. I have Progressive car insurance. I called the company associated with them and they question the liability on my mom's home. I don't know if I will even have insurance on that home soon. I would need to raise my car insurance above 100,000/300,000 and the umbrella policy would be $900 a year. This policy seemed to depend on raising the liability insurance on my mom's home, possibility with a renters insurance policy, but that was questionable. I send money to my brother to help pay her care but it's not rent, she would then owe income tax on that and could be considered in kind help with medicaid. There must be others who don't own a home in the state they reside who have significant assets. I've never been in this position before. Can someone in the insurance industry advise how I can purchase a large liability policy?

Hi, yes a throwaway account cuz im a bit nervous So starting a few weeks after changing insurance providers, the pharmacy accidentally (?) put some meds on the wrong insurance(multiple times tbh, and the last one was over 6 weeks after the insurance had been stopped?!) . i get a notice maybe a month later saying i owe them quite a large sum of money. I go back and forth for about half a year before i was able to get a check from my new insurance to cover it. It isnt even the whole amount, but it helps. Now im so frustrated w the old insurance for putting us thru so much hassle. I tried to do a payout w them for like half the amount for all the trouble and after their review, they denied that request. But what if i were to let it go to collections and then do a lump sum payout with them? Any ideas how badly that would affect my credit? Im floating typically around 800 so i have decent credit. Or does medica debt even count towards credit score? I feel like i cant find a solid answer to that…im in the midwest usa for reference. Or even, what am i mot considering by doing this? I could def use the extra money, this whole situation was not my intention. It was rly super stressful tbh. Thoughts? Thanks everyone in advance! Any suggestions advice etc welcome.

I recently had to have an in-patient EEG. The neurologist said they'd call my insurance (Aetna) for pre-approval before moving forward with booking. I received a call saying that it was completely covered and to move forward with procedure. I check-in with no mention of payment and checked-out with no mention of payment. Cut to now about a month later and I receive a bill for $7,000. Apparently, insurance only offered partial coverage though I was told by my provider it will be completely covered. Do I have any recourse in this?

So recently someone backed into me at the parking lot and damaged the front of my car. We exchanged information etc and the person initially was thinking to settle it without involving insurance. I was fine with this and reached out to a few places, but most say it is hard to determine the total damage without doing a full diagnostics because there are many sensors/cameras/lights in that area. Only 1 place gave me a preliminary estimate after looking at the damage. We then decided to get insurance involved. His insurance assumed full liability and send out a person to estimate the damage visually. The estimate is quite low, lower than the place who gave me an estimate directly. They said I would need to take my car to a shop that is willing to work with their rate. If additional damage is determined, then the shop would work with the insurance company for any additional costs. During this whole process, I feel like the other person's insurance treats me like I am trying to scam them. I asked what if the shop dong want to fix the car because the insurance estimate is too low, and they said that I would have to pay for the different if the shop is not willing to work with their rate. So now I am wondering if it makes sense if I reach out to my insurance company and report this incident, would they deal with the other person's insurance instead of me dealing with it directly? Thank you.

I am going through Tesla insurance for my Model Y. I had a few aftermarket parts and vinyl wrap that needs to be replaced as part of the repair. The quote/check for the repair does not include just three items and the shop is saying that they will submit a separate claim/payment for that item after everything else is repaired and done. Additionally, they are saying that after all of that, I need to go get a quote for the wrap and submit that separately on my own to see if Tesla will reimburse me for it. Anyone have any insight on this? At this point, it has taken me several months to even get a reply back from the shop, I almost want to just ask for a check and get it done elsewhere or figure it out on my own. The only issue is the check was sent to the shop as a two person check, so I almost feel like I will be stuck with this shop.

I did my due diligence and found a provider listed on the BCBS website listed as in-network. I verified with insurance and the whole nine yards. However, when BCBS adjudicated the claim, it was processed as OON to my surprise. When I questioned why, I was told the provider used a different NPI that is OON. In all seriousness, how is a patient supposed to know what NPI a provider bills under? Do I have grounds to appeal the OON determination or should I ditch this provider and find someone else?

I have one of my dogs on insurance, the other one isn't, both of them ended up with allergies before I was able to get insurance going (my first girl showed clinical signs in the first 2 weeks). It's unfortunate as they're both rescues and it's a bit out of my control as they weren't puppies when I got them. I'm thinking about cancelling my first girls because it's done absolutely nothing for me, and switching to Banfield's care packages. I currently pay $45 a month for one of mine. Just curious if anyone has experience with them, and if so do they think it's worth it over actual pet insurance?