Just a rant from your friendly neighborhood pet insurance claim adjuster: Disclaimer: I am not speaking for the company I work for or the brand. Some of these things are not universal to all insurance companies, so you should read your policy documents and not take my word as gospel. I’m trying to help ALL of us have a better experience here. *bow* Welcome to my Ted talk. Sorry for any typos… I’m human.. contrary to popular belief. For starters….Please. For the love of god. Attach your invoices, and make sure they are itemized and paid in full. No- the credit card receipt doesn’t count. We need itemized invoices. No estimates don’t work either. PAID IN FULL, ITEMIZED INVOICES. Also- while we’re on the topic of invoices… be sure that invoice says the pet name, hospital/store/pharmacy name and is for the actual pet on your policy. If your pets name changed- for the love of god, notify us. My crystal ball quit working a longgg time ago. No a random CVS/walgreens/costco receipt doesn’t work. It needs to have the med name on it if it’s for a medication. Do you think your car insurance would just take some random Walmart invoice that said “ASJEUDH875” and trust your word that it’s for the car? boAbsolutely not. Do not expect me to accept it either. Stop asking if you should appeal a decision and just do it. You are within your legal right to appeal a claim decision if you do not agree with the outcome! This does NOT mean it will be automatically overturned in your favor. Claims adjusters are humans too and we can make mistakes or misunderstand or misinterpret something! A lot of us are previous vet techs, assistants, etc. but some of us are not and may not fully understand disease processes without the medical records being abundantly clear. Also- some of these vets medical records ABSOLUTELY SUCK and we are rarely (emphasis on RARELY) able to get in touch with drs to get clarification. and when we do?! They are rude as hell and want nothing to do with us. You know how it’s nearly impossible for you to speak with your own vet and you pay them? ….yeah they absolutely won’t talk to us. Also- be nice in your appeal letters. I don’t need to have you threaten sicking your lawyer on me. And honestly- we make fun of you behind the scenes when you act like an animal and try to use big words that you don’t understand. Again- we are human. Give us the opportunity to either make it right or to explain to you why we made the decision that we did. Let’s allllll act like rational, civilized adults here. And guess what?!! If you still think we’re wrong- there’s second level appeals and sometimes even third level. Most companies also offer an independent review after so many appeals! So just chill the hell out and let’s work through it together. Don’t get me started on the old school vets who still have handwritten records and invoices…. Speaking As a former vet tech, it should be illegal. If you have a vet who still hand writes their records and invoices… it’s time to find a vet that lives in this century. You really think your pet is getting the latest and greatest care when their DOCTOR can’t (or can’t be bothered to) figure out a computer? Let that sink in… Do not make us ask for records when you file your first claim. Just send in the required amount per your policy (typically 12-24 months of previous records. Read your policy). It slows the entire process down, we get frustrated, it wastes our time (and your time) and everyone involved is sad that the claim can’t be closed. Then you- the insured- throws a massive fit. Just do what’s required of you in the first place. Let me be so crystal clear on this. I WANT TO CLOSE YOUR CLAIM. I want so badly for your claim to be closed quickly and quietly. My production at work is measured in the number of claims I CLOSE. I do not get credit for the ones that get sent for records. I do not get credit for the ones I have to wait for payment information. I do not get credit for the ones that are not workable yet. Also- in that same vein. I WANT TO COVER YOUR CLAIMS. I want to pay you out money. In fact- we are trained to look for ways to pay you. It’s more work for me to deny your claim than it is to cover your claim. There is paperwork and explanations and it’s a whole process to deny something. I am lazy AF. I don’t want to do all of that if I don’t have to. However- when an insured doesn’t understand how their policy works and then opens a policy for their dog that’s had raging allergies its entire life and then files a claim for the same allergy medication the pets been on forever… come on people… HELP US HELP YOU. Edit: One more thing to add! If you have the ability to put what the claim is for when you file it (ex: ear infection, vomiting, ate a sock, hit by a car) it’s so much easier and quicker for us! I am usually able to process claims by the description as long as the invoice seems to match up with the claim description. If all you put is “see invoice” or “illness” then I have to request records to confirm the condition and that takes up so much time. Give us the information up front! Again- help me help you! ❤️ I’m sure there is more that I could go on and on about. But honestly this is long enough at this point. Who knows… maybe I’ll add more at some point. What do I want you to take away from this? Help us help you. We want to help you. We wouldn’t ask for something if it wasn’t important. And we are human beings too. Please be kind. Small favor: please keep attaching pictures of your pets when you submit claims!!! We share them amongst ourselves and it really reminds us why we do what we do! It’s nice to put a furry face to the names we are helping! And… who doesn’t love staring at cute ass animals all day…. Feel free to ask questions! I’ll try to answer. Don’t get nasty- I won’t entertain you if you act like an ass.

Hey! I have a question. I reside in Tallahassee, Florida. I have one car here (2025 Toyota Corolla) and a car in Miami (2005 Toyota Camry). I informed Geico that the Camry is in Miami, and my sister is the primary driver. Geico informed me yesterday that they will drop the car from my insurance because they think that it’s her car (it’s my car in my name). They told me I needed the registration that shows the car is mine, and it needs to show the address where I’m at, which is the mailing address in Tallahassee (I go between Tallahassee and Miami). Anyone has been through this? Please advise.

I put my three dogs on MetLife’s family plan sharing one annual limit and deductible because it was the only company doing it and all the others including Fetch, who I already had, were getting way up there on premiums, especially for my oldest dog. Started out sharing $10k annual, $250 deductible, 80% reimbursement, around $115/mo. Dogs were 9, 6 and 4 mo. After one year and no claims MetLife bait and switched me, lowering my deductible to $200 and raising the price by $30. Their other offerings for less were with higher deductibles that didn’t result in anywhere near my original set up in cost. I was ticked off but ended up doing nothing about it. And yes, I know the rates go up as they age. Renewal came up and they did it again, changing my limit to $10500, lowering my deductible to $150 and raising my premium by $80 to $228/mo!!! I never put in a claim this whole time! I work at a vet hospital and get a discount, did have one dog worked up with labs that didn’t meet the deductible so didn’t bother. However, I imagine as far as other carriers are concerned he now has a “pre-existing condition “ even though we didn’t reach a diagnosis other than polydipsia. So I called MetLife and went through various policy scenarios to see what that dog would be by himself, moving the now 2 1/2 yo to to a different provider and dropping coverage on the now 11 1/2 yo which I hate to do. I ended up keeping everyone covered at $250/80%/$5k for now at $144/months. Makes me nervous as a previous dog took me up to $8500. But this buys me time to decide what to do. Has anyone here had experience actually putting in claims with MetLife? How were they in honoring claims? Did they yank you around changing coverage and raising premiums substantially at renewal?! You would think there would be some kind of reward for not needing to submit claims! These tactics are BS!!!

i hope this is the right subreddit for this! i just found out that my dietitian for an ed is no longer fully covered by insurance and my weekly appointments are now going to cost 90 dollars. i’m wondering if there’s a way to get insurance to continue to cover? like could i have my primary care physician or psychiatrist refer me to a dietitian? tbf i am not as aware of how insurance works as i should be so i have no idea if its even a possibility. edit for clarity: my insurance has not changed. i live in michigan and use blue cross blue shield. i was unaware that they will only fully cover a certain number of appointments and i have reached that number.

I’m having. Hard time with them right now!! I got my female cat spayed n hernia repair through the local spca low income program before I got her insurance Fast foward she now has pet insurance with trupinion since Jan she was spayed/hernia in September They keep emailing me n calling me for records on her spay n repair said they have contacted the SPCA n they haven’t emailed back ! I contacted the spca they don’t keep records or notes form the spay program So they emailed them n told them that! So now they are saying without proof she was spayed or hernia repair if I ever file a claim it may take longer to resolve stuff! I’m starting to think I’m paying them monthly for nothing ! I got insurance so I didn’t have a huge vet bill if she needs to go to the vet n cause they pay direct ! Anyone else have this issue? I mean what happens when someone gets a cat off the street or wherever n it’s already been spayed etc but they don’t know from where n don’t have records! Ugh! I feel like I’m wasting money!

My dad (57M) died by suicide in September. He had an adjustable life policy with Corebridge (formerly AIG) since 1986, so well beyond the exclusion period. We had trouble getting the death certificate and ending up filing the claim in December. We didn’t have access to his policy documents but we found out my mother (dad’s ex-wife) was the primary beneficiary. With my sister and I (his adult children) being the contingent beneficiaries. Due to revocation upon divorce laws, my mother will more than likely be denied the claim. Their divorce decree does not make note of life insurance, my dad simply just didn’t change it after 14 years of divorce. Corebridge advised she file the claim anyway and wait. Well, the claim was filed in December, all paperwork sent in on December 9th. I figured it would take some time with the holidays and all but it’s been just about 3 months. I’ve called several times with them just claiming it’s still under review. Corebridge said claims normally process within 7-10 business days but they have no update as to what is the hold up. Is this pretty standard? Also, should I wait to see the outcome of my mom’s claim? Or should I just go ahead and file my claim? Any feedback is greatly appreciated!

Has anybody been able to buy one or get a quote. I am trying and while insurance companies website mention they exist - I am not able to get a quote and the call center agents are equally clueless. Edit - Geico Licensed Insurance Agent said that they are not issuing any NNO (Named Non Owner) Policy currently. So lets see how easy it is to get one.

I’ve been paying about 80 a month liability only on one car, added another now it’s 255 this month and 155 from here on out. For context I’m a 24 year old male in NM. I’ve had a good amount of traffic tickets idk how negatively that’s impacting my rates. I have progressive. I always hear about people paying way less than me for liability or the same as I pay for liability they get full coverage for that price. I’d like full coverage but the price would be a lot, if I’m gonna have liability only I’d like it to be nice and cheap. Am I doomed to high prices being a 24 y/o with traffic tickets? Where can I get it cheaper? You always see those insurance commercials claiming super low rates online but I don’t even waste my time figuring it’s bs. I haven’t shopped around in a long time is it worth it to now? Or even better than shopping around, maybe someone here can tell me where and how to get it much cheaper.

Just got my renewal notice, and my car insurance jumped to $280/month out of nowhere. No accidents, no tickets just the usual "rate adjustments." I drive a 2017 Toyota Corolla, full coverage, and I’m with State Farm right now. I mostly use my car for commuting (about 30 minutes each way), and I’m in my early 30s. For those of you with clean records, what are you paying, and who are you insured with? Thinking it might be time to shop around. Appreciate any recommendations! 🚗💨

I need some opinions on what to do. This is an odd situation. In past “pay up front cash” dental visits, the dentist offices, with a week or two, returned to me the covered expense/reimbursement from Blue Cross after they submitted the claim. However, this time, I went to an oral surgeon bc I needed a molar extraction that was complicated. I paid $1800 up front on credit card no problem. I would’ve paid double that with all the pain. About a week later I saw that I was covered for ~ $500 on the claim. A check was sent to oral surgeon’s office. When I called them they told me they were processing it and to be patient. This was a couple MONTHS ago. I last called on Monday 7/21 and was literally told, “check’s in the mail”. That’s pretty funny, especially since it is now Friday night and, of course, no check. Something quite fishy about this. I wonder if Blue Cross can do something. I’m interested in thoughts on this. TIA!