Not your standard switching question, honestly. My partner got a job that offers metlife so our 2 dogs are eligible to switch over to metlife from our current insurance. We have petsbest currently. I already checked and there's no concerns about it being my partners work (and only I am currently on my the petsbest insurance). I spoke with metlife on the phone extensively so I can switch anytime basically, i'm mostly wondering reasons I might want to stay vs not. Both my dogs have quite a few medical conditions and Petsbest has generally done due diligence. I insured my pit mix in Jan 2022 when I got him and they've covered almost everything. (Annual premiums: 2022 was 460, 2023 was 560, 2024 was 725, and this year was 1032. 250 deductible, 90% reimbursement, unlimited level). They denied only one claim. They denied something and considered it alternative. Even tho it's supplied by a teaching hospital, has studies, and the doctor wrote a huge letter explaining why it was the only option for my dog (my dog has multiple concurrent co-morbidities). They still said no. I asked before hand but they wouldn't pre approve and when I said I was concerned bc it was a big bill they just said I could always appeal. I did, and even with a super detailed letter, nothing. However, he has MANY medical conditions- allergies (on apoquel, immunotherapy, regular derm visits), anxiety (on a couple medications), hip dysplasia/OA and IVDD (on meds and may need surgery). So they've more than paid for his medical conditions. Second dog we adopted in Sept 2024 and she was a 500 deductible, 90% reimbursement and 816/yr. Ended up in 12k in bills between emergency surgery, post op complications and follow up labs. They've paid up. We had to appeal one thing but successfully this time. Petsbest has been fine and paid and processed, though slow, which is fine. I'm mostly considering metlife as both dogs are on prescription foods and metlife will cover wellness care. I could get both dogs annual dentals (which i always planned to do, but was considering pushing it out to 1.5 years out when I'll get a better dental price at a new employer), get tick and flea prevention covered! (200 for one dog, 220 for the other). The prescription foods for the dogs run me about 70 every 1.5-2 months. I'm seriously considering it but feel like there may be something I'm missing. The company confirmed they'd cover rx food even tho petsbest doesnt, btw. Same with dental cleanings. These were their quotes and I was planning to go with the most expensive one, tbh: * Family plan: 250 deductible, 90%, unlimited was 2108.92 without wellness  * With wellness: 2938.44 * Family plan: 500 deductible, 90%, unlimited was 1783.25 without wellness  * With wellness: 2469.98 * Family plan: 250 deductible, 80%, unlimited  * with wellness: 2047.84 * Family plan: 500 deductible, 80%, unlimited  * with wellness: 1728.52 Would love any insight and opinions.

Some one hit my vehicle while it was parked in Tennessee. I got a police report showing they were at fault. When they contacted me to get it fixed I did not go with a body shop in their network. They said that was ok. Now the car is almost fixed and the body shop said the insurance company won't pay the amount the body shop said. It is a difference of $135 from a $1500 bill they already paid. What should I do? They said because I didn't use their network body shop it was not guaranteed to pay everything. I also have a rental from them. I called twice today to talk to the insurance supervisor and have not got a call back. It is state farm. Thanks for the advice.

My husband works for a company headquartered in Virginia, though around 1/4 of their staff are in NC. They recently switch their health insurance from Cigna to Sentara, which I’m sure is great for the Virginia folks but our nearest in network hospital is now a 1.5 hour drive from here. This seems like it would violate some sort of MEC requirement? But I don’t know enough to know and my husband has not been able to get in touch with HR for answers.

I’m looking for auto insurance but I keep getting ridiculous monthly quotes from $700 to $900. I’m a 2nd year college student, 20 years old had my license since I was 18, no accidents. I don’t have any car under my name, but i would be trying to get an old mercedes insured which is considered a “sports” car (family car they don’t use) for some reason. I am currently living with my parents, last time i called, progressive started charging my parents for me to NOT drive, to be an excluded driver. Which was crazy to me. I had to call and tell them I moved address. I tried getting a quote using a fake address saying I live with a friend but they started naming people in said address and asking for their DOBs (which i also read was fraudish?). I really don’t know what to do, i need to commute to school full time, but money is tight with classes, any advice ? Thanks !

I pay into a CalSavers account. I received an email five days ago saying: "per my request all correspondence will be sent to:" \[an email which is not mine\]. It looks like a scammer domain. I don't remember registering to access the account on the CalSavers website, though I may have during the enrollment process when I started the job. Either way, I can't access the account as it doesn't recognize the email I would have used. Is it possible someone has stolen the money by transferring it out of my account? I don't imagine scammers would waste time as soon as they have access... I can't call CalSavers until their office opens tomorrow.

Looking for advice on what my options are. I'm on a high school teacher salary and never had to seek out an attorney for any reason. Location: Oklahoma Long story short: My home & small piece of land are on 2 parcels that were purchased together. In late 2023 l received notices from the county that my taxes weren't paid. I called my mortgage company since they're the ones that have been paying them each of the previous years we've owned this house with no issues. I got another letter from the county in 2024. I called mortgage company and let them know it happened again. They said we're on it. I left the country for work for 4 months while my wife and kids stayed behind. While I was overseas we got another letter saying my property would go up for auction if taxes aren't paid. My wife called mortgage company again, they say they're going to get it taken care of, not sure what the issue is, but they're on it though. Right before I come home, my wife gets a letter from the county that our property was auctioned off and we have 1 year to appeal the sale. It was only one of the 2 parcels we own that got sold off - a .5 acre plot that's basically my front yard all the way down to the road. After back & forth with county and mortgage co. we found out the issue was that the actual mortgage paperwork that we signed does not list both parcel numbers. We owned both parcels according to the county, but the bank said oh, well we only paid for the taxes listed on the mortgage you signed, not our problem. Problem for them is, the descriptive measurements in the paperwork include both parcels, they just forgot to type both parcel numbers in. Mortgage co. admits fault. We get a letter from them saying that they messed up and are fixing it. Haven't heard anything in a while so called today and was told the last thing written in the notes for my account are from a few months ago that said the company was trying to purchase the property back from the person that bought it at auction. I'm waiting for a response from someone else higher up, but I feel like they're intentionally dragging their feet to get to the 1-year point where nothing can be done. I don't need the "why didn't you just pay it yourself, you're equally at fault" response. I was in Germany and that's neither here nor there; the ultimate point is that the bank admitted it's their fault and are trying to buy it back but it's been almost 5 months and no progress. What are my options that I need to be finding a quality attorney for?

Hello, We've had Trupanion a few years and it's an excellent product; we don't appreciate the way their representatives do business at times. Is there another business doing coverage that pays vets directly, when going to a participating vet, for accidents? Trupanion doesn't cover wellness and that's fine. There are some in the UK, hopefully the states catches upR

So our Lemonade pet insurance is starting to be somewhat outrageous - $150 (80% Preventative) and growing at 7 years old. Healthy dog currently, but when we first got it, visited quite a few times. Lumps but not cancerous. Etc. Pet insurance ALSO does not always work. Lemonade also does not have a straight-forward appeal process when one of their staff misunderstands an issue and mis-categorizes it and denies a claim. I'm wondering if it makes sense to just start a savings account and put in $150/month into it? (And grow it by 25% yearly - the same rate that Lemonade has been increasing)

I just got our policy renewal from PB and saw our premium doubled! Once my shock wore off I found my way to this subreddit and found other posts of people saying the same, sounds like a private equity firm bought them. Ugh. I'd be curious to hear from some of you who made the switch to something else -- who'd you go with? Are you happy with them so far? For context we have a 4 year old basset hound and are getting a puppy the same week our policy is supposed to renew, so this comes at a somewhat convenient time. Our current dog got a breakthrough case of parvo when he was 1 and did a stint in the e-vet (which PB was really great about) but hasn't had any other health issues since. I don't \*think\* parvo would be considered a preexissting condition since he made a full recovery, but you never know with insurance companies.

I have a 5 year old maltese with no pre existing conditions and currently use Nationwide. My dog had to have a simple surgery to have something removed on her eyelid and Nationwide only paid out ~10% of the claim. I am looking to switch carriers in exchange for better coverage. If I only wanted to insure against accidents, unexpected events, and not routine care like vet visits and bloodwork, what pet insurance company offers the best value? I am a bit lost and the marketplace for pet insurance seems to be large and growing. The goal is to have a lot of coverage for, say, a $4,500 surgery as the result of something unexpected. What does everyone think?