I have a senior cat who just turned 14. I had him since 1 year, and always had Banfield, thinking that was the insurance. (To make me feel less bad, pet insurance wasn't a thing back then :( so please don't blame me too much.) My other cat who was 14, passed away recently, and all the bills left me in burden. So I heard about the insurance, and was trying to sign up for my other one, but I've also heard about insurance nightmare stories. I'm now really worried that they would just deny everything, saying it was a pre-existing condition. I would truly truly appreciate if there is a way to ensure coverage based on my current situation: * Everything is recorded in Banfield, where I took him regularly for his routine checkup since I brought him home. * My cat is chonky (24 lbs) * Already had asthma when I brought him as a kitten (but it wasn't severe and got better so no treatment was given) * Last October, the doctor said he has heart murmur 3/6 and put that in the note * They also noted he has a tartar on his teeth (would that make any dental related disease claim denied?) My biggest concern is the heart murmur... would they just deny everything heart related? Any tips and advice would truly be appreciated. Thank you so so much.

Long story short, I got a bcbs plan through the marketplace last month and I kept getting bills for $0.00 saying I needed to pay or my policy would be canceled. The first time I got a bill for that amount I went online and paid a penny. Then I got another bill for the same amount of $0.00. I figured it was nothing to worry about. Fast forward to today, I have a doctors appointment tomorrow, and I get hit with an email saying my policy with bcbs has been terminated due to non-payment. Non-payment of what? Nothing? Why?

Got rear-ended at a standstill last week by a new driver. Filed a claim with his insurance (Allstate). Their adjuster gave me a list of preferred shops — only one (a chain) has good reviews, but Reddit has a lot of horror stories about this chain (not my exact location though). I have a local, independent shop I trust. Allstate says I can use any shop, but the adjuster got vague when I asked about downsides of going out-of-network. Redditors in r/AutoBody warn against in-network shops since they supposedly work more for the insurer than the customer. I'm just worried about delays, surprise costs, or Allstate refusing to pay. I don't want this to turn into a massive ordeal or be without my vehicle for too long. That said, I had some other body work I wanted my local shop to do (which I’d be paying out of pocket for), so it would be convenient to “kill two birds with one stone” to take it to them and let them handle all the repairs at once — versus having the chain handle my insurance repair and then turning around and having to go back to the local shop for the other work. What would you do — play it safe with the insurance recommended chain shop, or stick with the local / independent shop I trust?

With all the posts regarding Healthy Paws rate increase I was worried about my renewal. I am happy to saw that I just received it and it has not increased. It is staying the same at the moment. However, I will wait to see because a couple years ago there was a discrepancy and in August they sent me a new notice increasing me by $20. Fingers crossed that does not happen again. I was expecting a huge increase living in NYC.

My wife and I recently opened a BusyKid checking account for my 8-Year Old son. We fell for the advertising for kids bank accounts online. BusyKid (BusyKid.com) advertises that they are a smart way to teach kids banking. For an annual fee of $48 (obviously high for a checking account), they have an app that allows parents to manage the child's money, set amounts they can earn for doing certain chores, etc. Kids even have the ability to send money to charity or invest in stocks. The app is fairly user friendly as well. The app i thought justified the high annual fee.... My son used the ATM for the first time yesterday. I had to show him step by step how to use it. The first question the ATM asks is if you'd like to see your balance. I encouraged him to select yes, so that he can view his balance before withdrawal. Today, we were reviewing his transaction and realized that BusyKid charges $1.00 for a balance inquiry and $1.50 for a withdrawal (on top of the ATM fee). To say that this shocked me is an understatement. I mean this company advertises that is protective of child spending. A fee for balance inquiry? My 8-year old does not have a phone. How else is he to check his balance? For whatever reason, I glossed over these fees when opening the account so thats a shame on me. But still, this seems predatory. For a company that is aimed toward minors, unneccessary fees like that is infuriating. Anyway, that account is closing today and I am going to do everything I can to alert people of this fraud of a company. TLDR: BusyKid charges fees for Balance Inquiries and ATM withdrawals to minors who dont know any better. UPDATE: I want to make clear that I take full responsibility for opening the account, and I wasnt duped into signing up. The fee's aren't hidden, quite the contrary, they are right out in the open as we were emailed a notification of the charges. It is only a $2.50 mistake, and also a little life lesson to myself and son to read everything before signing. Hopefully BK gets rid of those fees because everything else is really attractive for managing a younger kid's money.

Tl;Dr: Hertz overcharged me when renting a car. After customer service could not help, I opened a dispute, but on the wrong charge as I'm dumb. The dispute was closed and money returned to Hertz. Now they have sent multiple invoices requesting payment for this charge, and as of March 5 it has been sent to collections. Hey! So back in August 2024 I rented a car with some friends, to be picked up in San Francisco and returned to Las Vegas. We booked online and chose the extra insurance and have a layout of all charges in the initial email. We paid $350 CAD when booking. When picking up the car, we also added a secondary driver. The remaining $1680 was to be billed to the card already on file. When the email came through after picking up the car, I saw it was about $230 CAD above what I expected, but I assumed this was a damage deposit or something of the like. When we returned the car however, the final invoice was still about $230 above what I expected based on the initial booking invoice, plus the additional driver. This is also taking into account the charge for dropping off at a different location, the extra insurance, etc that was all listed in the initial email. Unfortunately, we dropped off the car late at night and flew home the next day, so there was no staff in the office to speak to. Fast forward a couple weeks, the two charges were posted and still remained, collectively, about $230 above what I was quoted, including the extras we chose. So I called Hertz. Customer support couldn't see any issue, but also said there was no manager present to speak to. They put in a request with their financial team to contact me. I was never contacted. A couple days later, I called again, and met the same result. I should have been more aggressive and demanded to talk to someone who actually knew how to look an invoice, but I didn't. Again I got them to request an email from the financial team. This time I did get an email from them, to which I replied and explained the situation.. And never heard back. At this point, I just opened a dispute with my credit card. Unfortunately, I still wasn't sure which exact payment was overcharged, so I opened the dispute on the initial booking fee of $350. This means that this amount is refunded back to me temporarily, pending the final results of the dispute. In hindsight, that was obviously not the way to go, but at the time I assumed they just didn't subtract the booking deposit from the final bill. However, this was incorrect, and by mid December, after Hertz replied to my bank, it was deemed to be incorrect as the overcharge had nothing to do with the booking deposit. The $350 was returned to Hertz on December 13th. They already have the money. However, in mid-January, I received an invoice in the mail from Hertz detailing that I owed $350, with an invoice date of December 29th. So two weeks after the money was already returned. Prior to this letter, I also called Hertz yet again, and finally got someone who felt sympathetic and refunded me the $230 I was overcharged. This was done through official channels as he sent the request to their financial team. I wish this had been the result at the beginning, but unfortunately here we are. Now I stupidly ignored this first invoice letter because I assumed that once their financial team did a year end balancing of accounts, the disputed amount of $350 would be seen to have been refunded back in December, and I just wouldn't hear from them again. However, that was not the case, I got another couple letters from Hertz. Two weeks ago, I emailed the address listed on this Hertz invoice, and explained, in rather pissed off terms I confess, the entire situation, and that the money had already been returned to Hertz. I made sure to iterate multiple times that they already had the money back that they were requesting. I got an email a few days later notifying me that my email had been forwarded to the Hertz collections team. I never heard any confirmation back from them. Now, today I received a letter in the mail from a collections agency stating that they have been given the charge and I have 3 days to pay or contact the office or it would be placed against my credit rating. However, this letter was mailed on March 5. And I checked the mail yesterday. It just got here today, 7 days passed their letter date. What is the best course of actions here? Realistically it probably isn't productive to hire an attorney to deal with a $350 collections charge. I will be calling the collections office today of course. But I wanted to get some advice from the fine people on here. I do not want my credit rating to be damaged. UPDATE: Spoke with the collections agent who handled this, and she hadn't gotten to processing my case yet. So my credit is safe for now. I sent her my credit statements as proof that the charge has been paid back to Hertz. She'll update me later after she forwards this to Hertz. If anyone has advice for how to handle this if for some reason Hertz doesn't back down, I would greatly appreciate it. Is it just a safer option to pay this charge, even if that means double paying them, rather than go through all the legal hassle? Like yes it's about the principle of not letting a company walking all over you with no recourse, but at the end of the day, I don't want to hurt my credit rating or have to deal with thousands in legal fees with no guarantee it'll be covered if Hertz settled.

Hey everyone! I currently have metlife for my one dog and want to add my newly adopted dog. They tried selling me on their preventative but I feel like when I get a new quote on their site the information is different than what was being pushed to me over the phone. These are the pictures I have. She said that all my dogs flea and tick would be covered for the year after my deductible but if I'm reading this correctly I would only get a payout of $75 for the year. Is that correct? That doesn't seem worth it at all. Also, She was actually so pushy I'm also considering switching insurances completely.. I've looked into AKC, Spot, and embrace but I need one that covers potential foreign object ingestion and AKC only has once in a lifetime which to me is crazy. My pup picks up stuff on a walk, chews on sticks, etc I'm almost about to put a muzzle to be safe. Thankfully nothing bad so far, but after my aunts experience of her dog swallowing an Avocado pit I want to make sure I have one that covers this just in case.

Hello, with Fetch. Monthly fee has gone up e up to $102.00 Canadian for 1 dog. Dog is 6 years old. We also have another fur baby. Does anyone have another Pet insurance company you can recommend/ please share your monthly amount.

My mom was checking her and dad's bank statements and for some reason they're being charged by First Enroll but mom says that that isn't the insurance company they use. Any clue why this would be happening? Is some type of scam or fraud? Just so you know, I know almost nothing about how insurance works so sorry if I seem stupid.

When I bought my car in 2022 i was living with my dad in florida and he signed for the car with me, in order to bring my payments down a bit the dealer recommended he be listed as the owner and i am the co-owner. I have since moved to Illinois and I was looking to bring down my insurance by getting my own policy, but he ended up receiving a threat to suspend his license for the car not being insured even though it was, so i just added him to my policy anyway. Now I’m trying to get a new policy because unfortunately my dads been in like 3 accidents in the last few years so State Farm dropped me after i added him on. Does anyone know if the primary owner HAS to be insured even if across the country or if he could file something specific proving insurance without him being listed? Or would i be able to just make myself the primary owner even though i’m still financing the car?