Hi, Curious if anyone else has had this issue. From what I’ve read online, it seems to be a general theme with pet insurance and I don’t think I have any rights or avenues to pursue to do anything about it. I have had Embrace pet insurance to cover my 3 pets since December of 2020. My insurance premiums renewals for my pets, that I still have the records for have been: Dec. 2022: $112.90 Dec. 2023: $133.49 Dec. 2024: $245.76 My pets are obviously getting older from when I initially took the policy. Current ages: Cat (6) Cat (10) Dog (8) Their rationale for increasing my premium is cost of vet bills increasing, my “tenure” (I’ve had embrace 5 years therefore my pets have likely developed ‘pre existing conditions’ that would not be covered if I was a new policy holder which means more money they have to pay to now cover these conditions), and the pets age. I understand things increase year over year, I’m hung up on the fact that my rate has almost doubled in a single year. I was going to file a complaint with the state insurance commissioner, but it doesn’t seem that they are technically violating any laws. I feel like I can’t switch companies because my pets have “pre existing conditions” that won’t be covered at a new place but at $300/ month I might as well save my money and pay the vet bills out of pocket. I found online that Embrace was sold to JAB Holding company for $1.5 billion dollars in 2023. So I don’t think my premiums are going up so Embrace can keep the lights on. If you have any advice, I am all ears. If you don’t have advice, take this as a recommendation to avoid Embrace pet insurance at absolutely all costs.

I have United Health Care’s high deductible plan, which I chose vs the lower deductible when I started my job 3 months ago for the HSA and because I have no medical conditions and rarely see a doctor. I’ve developed neurological issues the last month that have required a doctor visit, MRI, and now a follow up and likely more testing with a specialist. The doctor visit was $177 after a discount and MRI was $621 after discount. Does insurance even with that plan really not pay anything more? My old plan through my old job was high deductible with HSA, but bills were still only $70. At the rate I’m going, my old and new HSAs will be drained well before I hit my deductible, so I won’t have money to pay the bills. I guess the short answer is the doctor offices won’t get paid until I have the money, but is there anything more I can do? I can’t imagine how expensive seeing a neurologist will be plus whatever tests they want even if in Network.

We have been on medi-cal since 2020. Husband and I both lost our job. When we started working, we reported our income. We had a child and our income still within theamount that qualifies. 2022, I reported my income. And they still renew. 2023, I did not work, we qualified. 2024, I got a new job July, I called and they said my medi-cal will be cancelled by August. I enrolled in my job's medical insurance. Fast forward 2025, got a letter we qualified. I kept in my record that I always submit proof of income. What should I do?

I was in a car accident other driver t boned me they ran a red light stated in police report today I got a denial letter from their insurance saying their party isn't at fault they said their driver states their light was green even though on police report states other also witness statement said my light was green and she ran red light unsure what to do I have liability unfortunately. In VA I want to sue her I just don't know where to start I suffered a concussion my son suffered minor injuries but we do have 5K in medical bills my car was towed which tow company took possession since I didn't pay to take it out they auctioned it off.

How accurate does the quote be when “dealership” works with multiple auto insurance companies to get you the best rates possible. Family member (new driver), called Geico for a quote and was given a high rate. She went to a dealership to see a vehicle that she was interested and left the dealership with the vehicle. Her word was “the saleperson and the person that deals with insurance at the dealership was able to get her a better deal. I tried to tell her dealership just do their quote online and uses that to bait customers into buying the vehicles. Dealer: Geico- $1983 for 6 months full coverage Family member: (over the phone): Geico - $5,400 for 6 months full coverage Thanks for y’all feedbacks.

Greetings, I have State Farm insurance on my truck, which I've been gradually making improvements to for off-road use over the past 2 years I've had it. As of right now, I have about 18k invested into it excluding labor. I've asked my SF agent aboput gettin an endorsement and they verbally said that my current policy should cover it as long as it's bolted to the vehicle and that I've kept photos and receipts, but I still worry I could end up in a situation where the vehicle is stolen or wrecked in an accident, deemed total and I'm offered far less then it would cost to purchase a similarily equipped truck used on FB marketplace. I'm a bit skeptical of whether or not this is accurate or whether i'd be severely low balled. I live in a fairly urban area where property theft and unisured reckless drivers have been sharply increasing. I skimmed over my policy but nothing stood out to me in reguards to modifications, but perhaps I missed something? I'm just trying to make sure that I'm not screwed . One scenario I'm worried about is getting a low ball offer for the vehicle and then hoping there is an avenue to buy it back so that I can transfer the viable parts to another vehicle of the same model, selling whatever is leftover for part and taking a huge loss.

Hi. I have never seen any insurance company charge interest on car insurance. I got the paperwork and my payment went up 70.00 a month from what he quoted me. The interest is 14.5 % for not paying it off in full. How many people can pay 6000 yearly in full. This is crazy. Please help me understand. Ty :)

Hello all, I was involved in a crash Saturday night around 11PM. I was in the backseat of an uber with two friends when the uber driver allegedly ran a red light (according to the other people involved in the crash) and we got in a pretty violent accident. Luckily everyone in the uber walked away unharmed expect for me. I dislocated my finger (it was sideways after the crash) , and I walked into the hospital ER (we crashed a 5 minute walk from a big hospital in our city). I was treated and had it put back into place, and now have a follow up tomorrow. I am expecting this will continue to affect me for months. I am a student, starting grad school to become a physician assistant in August. This is going to affect me in school as I will struggle to type and struggle to be able to learn the hands on clinical skills for at least first first part of the semester. This has so far been extremely painful and I am only beginning to know the extent of medical treatment I will need and recovery timeline. This was also an extremely traumatizing and upsetting experience for me. After the accident, police were called and they spoke to me and the other riders at the hospital. I also believe the other people in the crash filed a report too. When I got home from the ER I spoke with uber and reported everything and their insurance is supposed to reach out to me. I already provided my ER discharge papers and pictures of the injury. What are the next steps here? Do I just wait to hear from uber? Also, what are my chances of receiving real compensation for my pain and suffering (like a couple thousand? Or should I expect less than that?) Thank you

I am a 37 year old female. I have one child age 10. I do not smoke or drink. I have applied for 2 life insurance policies. One thru all state 6 years ago. One thru state farm 30 days ago. I am a recovering addict and have been clean for 12 years . I have passed every drug screen since than. I keep getting denied because I'm in a matt program. I have taken this medicine for 12 years. I have been denied because on this medication. Any advice on where I can apply?

I suffer severe injuries after being struck by a car! The lawyer called me today to tell that progressive insurance is only going to pay $25,000 for my injuries and that my medical insurance will cover my bills . And they research the guy and he has no assets to sue him!! I am devastated that I nearly died in this accident, everything is gone, and I am mentally ruined. Could you kindly advise me on what to do? Thanks