I had some large expenses come up that I couldn't afford, so I used the "Plan it" feature on my platinum card. Basically, you pay a fee, and then Amex lets you make installment payments on the charges. What I did not know at the time is that you pay interest on these payments in addition to the fees! The fees themselves were a couple hundred bucks, and I picked a 6 month payment plan under the assumption that I was paying the fees instead of interest. Am I overlooking something, or is the payment plan completely useless? I would have just carried the balance if I'd known what I was actually signing up for Edit: I confirmed with amex that I am using the "plan it" feature and not "Pay over time" so I shouldn't be paying interest, but because I have carried a balance that isn't part of the payment plan, I'm being charged interest on both. This feels pretty scummy and deceptive

Hi, My one year old cat had to go to the vet this week for a limp. I processed his paperwork and submitted a claim toward his deductible and Spot denied it. Looks like he needs surgery and it’s going to be costly- I’m worried they will deny this too. Am I able to switch insurance companies now if I’m having issues with spot? Or would a new company just not cover this at all? This is my first pet with insurance and I’m frustrated.

Hey guys, im a 24 year old male living in Ontario and just got hit with a complete blindside. I’ve been insured on multiple vehichles through different companies since 2018, no tickets, pullovers or anything. I just bought a new truck and found out when getting quotes that I have 2 at fault accidents on my record. The first was July of 2021, my 67 mustang hit a pothole and caused some minor damage to the fender. I called intact and asked some questions and they said the only way I would get any money towards repairs is if I put it through as an at fault-after hearing this I said no thanks and paid it myself. They never said anything about this going on my record, the whole point of me paying out of pocket was to avoid this. The second was on my truck in Feb 2024. I was in Colorado and my brother needed to move my truck out of the driveway, it was late at night and a neighbour was parked somewhere it was hard to see and he bumped into it. My truck was fine and I was away so I didn’t deal with any of it directly but my brother used his personal insurance to pay out the damages but this is on my record as at fault for me. Is there anything I can do to get this off the record? I’ve talked to so many insurance agents who just shrug and say they won’t insure me and that the circumstances don’t matter. I’ve had insurance since I was 17, paid over $25,000 since then and cost insurance companies $0 and they won’t insure me.

Hi Insurance! I had a roommate with a mental health condition who wrecked my apartment when I was gone. They had to be medically detained for mental health reasons. I filed a claim right after and included police report number in it with list of items and proof of ownership. They said they accepted the proof of ownership and claim but want me to get them the copy of the police report. Now I have to wait 10 business days. Doesnt GEICO have like backend ops team or something that does this kind of work? TLDR: GEICO wants me to get them the police report, which will take 3 weeks approximately (buffer included). Why cant they do this faster themselves?

I need some insight from others who seem to be having the same issue with rate increase on their dog’s premiums. My senior dog is going from $179 to $410. I cannot afford it but i need something in case he has an accident / medical emergency. What are you doing if you’ve also received a high rate increase? I understand pre existing conditions are not covered if we switch up. He is currently on an Apoquel medication for lifelong allergies, and so far so good healthwise. He is also a Saint Bernard so as a giant breed, they do not have a longer lifespan. We live in California. A quick search showed me ASPCA pet insurance, which i didn’t know existed… Any advice is appreciated and thanks in advance. Edit: typo on ASPCA 😅

I was following up with Humana dental for a denial of a filling of $482 The filling was on a tooth that had a partial crown that fell off and had to be recemented. Their policy now is if you have a tooth with any type of crown; full, partial, or onlay, no matter how old, they will not cover a filling in the same tooth.

Hi! So I've enrolled into healthcare marketplace back in November, and I've hit a major health issue since then and my current healthcare provider is absolutely helpless and don't seem to care enough to help me ( I have Kaiser Permanente). Is there anyway I can switch insurances past the deadline (I know its so late now) but I'm quite fed up, and super frustrated. Any advice helps! Thank you for reading\~

I’m high risk. I have first acceptance because it’s what I can afford. I was waiting 3 more months for an accident to drop off so I could get better insurance. My policy is up for renewal 3/11 and I was going to pay it tomorrow. Opened up my envelope and it says the due date is 2/25. They always want to paid by first and then you have until 11th of month to pay before it would cancel so that is what I expected. Instead it says that if I don’t pay by the due date then it’s canceled effective of that date, meaning 2/25. They can’t do that can they? The notice clearly states renewal starts 3/11 and my current card clearly states my insurance is through 3/11.

I’ve been paying 436 a month for a 22 Honda for the last few years, which I haven’t been able to afford, but always managed to pay on time with autopay. I’ve never had a missed bill. My last payment was on February 28th. It came out of my account, and put me deeply in the negative, and then got returned because I had insufficient funds, which has never happened before when bills put me in the negative. I switched over from Liberty Mutual to Geico after that and am only paying 159 a month now. Geico sent Liberty a letter declaring cancellation and demanding returned funds for the rest of my coverage this month that I’m not using- bill was on the 28th, canceled on the 6th of this month I believe. I called Liberty to double check, they claimed they never got the letter, refused to refund anything, set another date to pull that 436 from my account since it got returned previously, and charged me 90 something dollars on top of that, due the 22nd of this month, but didn’t tell me what that added fee was for. I went to my bank and told them to halt autopay for Liberty after that 436 bill, since I do technically owe that outside of any returned funds. They messed up and halted ALL autopay, so the 436 won’t come out, which I didn’t mean to do. The app now, since I’m no longer a customer, will not allow me to manually pay it. Is there any legal or credit ramification for unpaid bills post cancellation?

Hi! Thought id share my experience with my cat! He is 4yr - i have had Trupanion since i adopted him a year+ ago. He had no pre-existing conditions. I specifically asked agent of dental was covered and they said yes. He has been to the vet a couple times - first time visit, ear infection, worms from new kitten we got, etc. The vet has briefly checked his teeth previously and said a little tartar but overall healthy gums. Friend got a new cat so was asking about my policy - reading the “fine print” is that dental doesn’t kick in until first post-insurance dental/oral examination. I immediately emailed and asked that his dental coverage has kicked in - they said no because they have no notes from vet. I said she probably didn’t note because there was nothing of note…asked if i got her to confirm they could put into effect retroactively. They said yes. Vet sent over full records to them - vet “briefly” checked mouth with said assessment on 12/11/24. They said it will take a couple days to process but will get back to me. Still waiting and can update but wanted to just flag!!! I also checked because he may have some mouth issues that i flagged to vet a couple weeks ago (still undetermined) but glad i did because i could see their potential denial saying “he didn’t have an oral exam prior blah blah blah.” Anyway TLDR - check the fine print!! They are so sneaky and if they fight me on this i will probably cancel.