A couple of weeks ago a gentleman ran the stop sign in front of my house and used my new mudroom as a stopping mechanism. We were told to get an estimate from a contractor and they would cut us a check. We got a detailed estimate and the insurance company sent it out for review. The review came back with a 6000.00$ reduction in the estimate due to not enough detail on the labor side of the estimate. The insurance agent said that we could accept the money while we submitted an updated more detailed estimate to get the extra 6000.00$. Should we take the money while we wait for the contractor to update the estimate or should we get the updated estimate first?

I've had Fetch since my dog was less than a year old. The only pre existing condition he had at the time was allergies. I knew IVDD was common with the breed (French Bulldog), so I wanted some cushion in the event he ever needed surgery. He is now 6, and has been diagnosed with IVDD, but hasn't required surgery and hasn't had any signs in over a year now. The only other condition he has had was lyme, but that was taken care of so I'm not concerned about that either (never met the deductible with that treatment). Fetch doubled my rate a couple years ago, so I dropped my coverage to $5k and deductible to $750, 80% coverage. I've been paying about $712 annually for 4 years now. Just got an email that they're increasing this to $1650. I can't justify that for the crap coverage I'm getting, but I KNOW something is going to happen as soon as I cancel. I'm coming to terms that no matter who I switch to, IVDD will not be covered, so I'm mostly now thinking of any other issues he may have as he's getting older. I'm looking at **Spot, Pets Best, and Embrace**. They all have better coverage amounts for under $100/month. Spot says: '...we will no longer consider a condition to be pre-existing if it has been cured and free of symptoms and treatment for 180 days, with the exception of knee and ligament conditions". Anyone have experience with this? Seems too good to be true. They're quoting me $80/month for 10k limit, 70% reimbursement, 1k deductible. Also open to any other recommendations!

Got a policy update email that will take effect in 63 days. Going from $196/month to $567/month. This is actually insane. I got on phone with them and they said it’s not my amount of claims but they consider the state of CA and thst since it is pooled insurance it is what works best for everyone. I was like, this payment is like a luxury car?! The only thing they said to do is lower the reimbursement and up the annual deductible; right now I have 70%/$500 and if I switch to 50%/$1000 it is $372. My dog is 14 years old for the record. I just feel stuck and frustrated. Especially cause switching to a new one means everything becomes pre-existing. Does anyone have a similar experience? Advice?

Me and my girlfriend purchased a 2020 Rav 4 like a week or so before Christmas. We got GAP insurance and got Progressive insurance that next day or so. She and 2 others drivers were hit by an 18 wheeler less then a month later back in January while they were parked at stop light. The 18wheeler driver was in the CDL drivers ed program at a local community college and didn’t swing wide enough and ended up dragging our RAV4 and 2 other cars. And of course we got the worse of the damages and ended up getting totaled. We put $3K down as a down payment and paid the 1st car note like a week early. After several weeks of back and forth and getting police report correcting and etc, we are stuck without a car now. Progressive paid out enough to pay off the car and had like $380 leftover for us. Our adjustor said they didn’t need to use GAP or it wouldn’t help. Is that correct? Cause even after we can the deductible and rental reimbursements back, it’s still not enough compared to what we put in. And all that has to go into subjugation. And then he said all that won’t be processed till and medical/bodily harm stuff is settled and they will do all of it at once. I guess we are just still shocked and disappointed cause basically got screwed by an unfortunate event. But I just knew the GAP would get us back in something else. Any suggestions or corrections?

Has anyone had experience with this? My dog (German Shepherd) has never had any serious health issues — just some pretty nasty allergies. I signed up for Pet’s Best last December (when my dog was 5 years old), and I swear ever since I signed up, it’s been issue after another with her. First, in May she got SUPER sick, just GI upset, but we were back and forth from the vet for a week or two straight. I paid my bill with my emergency savings, Pet’s Best reimbursed me my 90% after the deductible, no issue. Then comes June. My dog suddenly was unable to jump onto the couch, into the car, etc. I brought her to the vet, got x-rays, and my claim was approved yesterday. They’re reimbursing 90%. Now today, I noticed some swelling around my dog’s anus. I’m waiting to hear from the vet on whether or not I need to bring her in today. I’m here panicking that Pet’s Best is going to think there’s some sort of fraud going on, and they’ll cancel my policy. I swear it’s not fraud, I’m just having the worst luck of my life 😭

Basically was hit by one of their insurer. They never paid for an extension for the rental, I’m trying to get it to me but now my adjuster has been changed and never got back to me. Did a dismissed claim and it’s been 3 weeks now and I never got anything back. For the rental, they’ve been trying to wire but never went through. Now the other adjuster has to call me and never has in 4 business days. Is USAA this terrible

My dog has been with Trupanion for 5 years. She was healthy as a horse when we switched her, so I thought we were in the clear for no pre-existing conditions. Obviously, naive. Anyways, they are rejecting all tooth extraction claims because a vet wrote "mild tartar" one time in her records 5 years ago. The vet never said anything to us about her teeth until this year, when they told us she needed extractions due to bone loss in her jaw. The vet says it should be covered, but they rejected the claim and I am not holding out hope for the appeal. I am considering switching her to AKC. They won't cover her teeth either - but I can get a high-deductible plan with hereditary plus coverage for $70 per month. It would cover pre-existing conditions after 365 days, according to the person I spoke with. So I could save over $30 per month, that could go towards her inevitable future extractions. My thinking is that I now understand that the insurance companies can turn anything into a pre-existing condition post-hoc. I don't trust Trupanion to not do that again. At least with AKC, they cover pre-existing conditions so if she ever got cancer on her ear, for example, it wouldn't be excluded just because she had an ear infection in 2020. Is this thinking sound? Has anyone switched to AKC and could give some advice? https://preview.redd.it/8r3nxzh7yqke1.jpg?width=4080&format=pjpg&auto=webp&s=5bdb9dc183f9cb9d286aec2404203e53dbdbe5cc

I will try to make it brief but can answer any additional questions. My wife and I started the process to have a baby. I was insured with Kaiser Permeante (KP) and went to my KP OB. I requested a specific genetic test to be completed (in writing). The DR ordered the wrong test, and instead of the largest panel I received the smallest panel. The records that were sent to me with the results have the name of the largest genetic test despite it actually being the smallest genetic test. I did not realize the error until a couple of months later when my wife and I had selected donors and had to go to a genetic counselor to ensure we did not have any of the same diseases. I was unable to move forward with me selected donors because I did not have the appropriate genetic test. At this time, I was no longer insured with KP and was now insured with BCBS. I went back to KP a requested they proved the correct test, they were unable to without drawing blood again. I proceeded with obtaining the correct genetic test under my new insurance. While waiting for the results both of my two donors were no longer available for purchase and I am now in the process of locating another donor. My wife and I are black, and we are only interested in a black donor. There is a national shortage of black donors and the two donors that we selected were high quality donors (attorney and a doctor). KP has acknowledged their mistake (in writing) and reimbursed me for the cost of the incorrect test. Can I sue the doctor for ordering the wrong test?

Had a house fire, insurance adjuster said i get 5000$ a month for up to 12months for a rental equivalent to my house (3/2 2000sqft) Well 3 months went by and I decided to move into my own rental house , it’s a 1/1 while the repairs on the house are being worked on. Now he’s saying he will only give me the going rate of a 1/1 … which is somewhere around 1500-2k, which is a big difference from 5k. My question is if that 5k per month mine? Something I can fight for? Or do I only get the exact displacement fund I spend , up to 5k

Location: Florida So I'm frustrated with Progressive because they identified a person who was staying in my home temporarily and added them to my policy. This person has never driving or touched either of the cars on my policy. They supposedly sent out a mail notice, which I could not find physically or even in my email, where I'm signed up for Informed Delivery and would be able to see any envelope that said it's from Progressive. I looked through my email to see the notices dated months ago stating the persons name and that if I do not contact Progresive by January 16 that they would add them to my policy. I looked though the details of my policy today and that's when I found that they are listed as a driver. So I've been paying for this person to be on my insurance for the past three months. I have to wait until Monday to speak with underwriting to figure out what happened and what to do. My question is whether this practice is even legal in the state of Florida. From what I've seen, a lack of response of a notice does not indicate consent. My explicit consent was not obtained to make changes to my policy. I have not even talked to or seen the person added for months before the changes were completed.