Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

I have Delta Dental PPO. I get 2 free cleanings per year. One xray per year. Earlier this year, I got a cleaning and X-rays done at one dental office, but they dropped me as a patient because they stopped accepting Delta Dental. For my second cleaning, I scheduled with a different dental office. The receptionist there has been difficult to deal with. I explained that I already had my X-rays done at a different office and only needed a cleaning. She pushed back and said, “How can you get a cleaning without X-rays?” She asked if i can email the xray images, so I contacted my old office and had them send the X-rays to me and then i sent the all the xray images to the new office. After i emailed the xray images, the receptionist said I would probably need to get new X-rays anyway, but that I could wait and see what the dentist says. I explained that I’m only allowed one set of X-rays per year under my plan and that I’m not due for another one until next February. She said, "I KNOW! But how can we provide proper care without knowing what is going on." I reiterated that I only need a cleaning and can wait until next year for another x ray and she seemed to understand but not without an attitude. When I showed up for my appointment, she incorrectly said she checked my insurance and that I was eligible for another “free” X-ray anyway so it doesnt matter. I reminded her that I had already emailed them and dont need them again. She asked what email address?? She couldn’t find them in my chart until I opened up my phone to show my sent messages, then suddenly she “found” them and said never mind. Despite that, they still insisted on doing a single bitewing X-ray and said I would need to return on a separate day for the cleaning. I’m frustrated because I feel like I’m being forced into extra appointments and services I may not need or be covered for. Will I be charged out of pocket for this second X-ray, even though I already had one set done earlier this year? I thought Delta only covered one set annually. Has anyone else dealt with something similar? I also want to add that the other receptionists, dental assistants, and dentists have all been very nice and easy to work with. It's just this one receptionist that is very difficult to deal with.

So I recently opened a new policy with GEICO for my car. A few days after opening the policy(march 2025), they added a driver without contacting me or giving me any notification. That alone increased my premium $450. The driver that was added is my GF that doesn’t live in my household or is licensed to drive(never got a DL). They claim I added her in a quote but i didn’t quote with them since ~Nov-Dec 2024(she visited during this time and left in Jan)I know you’re supposed to include any person in the household in a policy due to liability but I’m currently living alone. GEICO also claimed that they use “DMV records” to add drivers to policy on behalf of the customers if we didn’t do it already. That couldn’t be the case since my GF had no affiliation with the DMV in my state. Any advice on this matter would be appreciated

On February 8th, my car was parked at a Miller’s Ale House, and it was hit by a truck that was parked right next to it. The restaurant manager found me and told me that the situation had happened, but the truck's owner was waiting for me. I went outside, the guy verbally confirmed it was his fault and offered 200$ to pay for a new bumper (that is the only thing that was damaged). I do not know much about the costs of parts and fixes, but it seemed not right to me, so I told him we should let the insurance deal with it. he agreed, and his wife showed me her insurance info from Dairyland on a screenshot. The truck that hit my car was not listed in that screenshot, but she assured me it was. I took a picture of the plate, and that was it. On Monday, I called their insurance and placed the claim. They asked many questions about the incident, and I answered them all. They gave me the name of the Adjuster and a reference number. She contacted me days later with more questions, which I answered, and asked me for pictures of my car from all angles. Since I heard any contact from the Adjuster I decided to call her today and she said that they haven't been able to gather evidence from the other party because and I am quoting her: “Since the police was not called the day of the incident, they have no direct way to contacted them, so we are at the mercy of them contacting us”.  I was not raised here in the US, and this is the first time I have had to deal with a situation like this in my life. In hindsight, I think I did not manage this very well. I didn't want to call the police since, yes, he probably was drinking inside the Ale House, but he was with his kids and wife, and I did not want the drama. Maybe I was wrong. I took a picture of his plate, and I have his wife's name and address. I did not get his phone number. I also have the manager’s restaurant as a witness.  I am incredibly frustrated. I handled this wrong. My beautiful Miata has a big dent in the front. And sure as hell don't have to be responsible for it. What should I do? Should I sue the guy? I do not get why the insurance can't contact them, maybe they gave me another insurance info. Is there any other way to deal with this? Help me Reddit!

My insurance denied two claims. I appealed it and they denied my appeal. I received a letter letting me know I can request an external appeal through my employer. I submitted a letter, signed doctor's letter of medical necessity, signed medical records release form and a few clinical studies showing effectiveness of treatment. I received a letter in the mail today from Network Medical Review Co. The letter states: NMR has received a request for external review and has been notified from the plan that the request is eligible. NMR has accepted the request for external review. You, the claimant, may submit in writing to NMR, within 10 business days following the date of receipt of this notice, any additional information that you wish NMR to consider in reviewing your claim. NMR will review all of the information and documents timely received, and will provide written notice within 45 days after NMR receives the request for the external review. I'm not sure if my employer would send everything that was sent to them or if I have to send everything all over again. I sent them the original doctors letter of medical necessity so all I have is a copy.

Hello I 31f bought my car 2 years ago and got progressive insurance. I signed up for paperless and honestly I don't go on my policy and look. My insurance increased even though i never changed anything. I look and see they added somebody I don't even know who lives where I used to live. I asked why they did that and I was told my info was sold to a 3rd party and through that information they added her. I never got a notice or gave my permission. Has anybody else gone through that?

My dad just went through open enrollment and he opted out of employer Medical insurance since he is starting Medicare as of today (he used to have the Medical insurance but the increase in price made Medicare a better choice). He only signed up for dental and vision. I called his insurance company (aetna) just to double check and they say that it shows he has all three: medical, dental, and vision. I told them we didn't sign up for it so they told me to contact our employer so they can update the information. My dad spoke to someone in HR who says that there might be a delay since today is the first of the month and the first day of the insurance taking place after open enrollment. Does this sound correct? Should i give it time? Just trying to make sure everything gets updated correctly especially since my dad signed up for Medicare B with special enrollment (qualifying life event of losing employer insurance so that he doesn't pay a penalty for signing up after 65).

I’m not having a good experience with Pet’s Best. Started my policy in November for a 3yr old rescue. It has been about 4 weeks since I submitted my last claim. Emails came saying they’ve reached out to (wrong vet) for medical records. I call my vet and they get emailed to PB within minutes. Today I get another email asking for my help. I forward the same email from my vet to them. Then sign in to see they have all the medical records and have labeled them “valid”. It’s almost like they’re holding off until I get charged for another month. Meanwhile, they reimbursed for hookworm medication within a week of submitting the claim. That was my latest claim.

I currently have Erie no recent accidents or traffic violations. I did switch to an EV which I guess triggered the recent price increases. My annual premium went from $925 to over $1700 for 2 vehicles. I did a quote at progressive direct and the annual price is about $500 less with the same coverages except I didn't include the accident forgiveness or deductible savings bank. Is it a really bad decision to switch from Erie to Progressive? The monthly price option for the two actually saves me about $720/year. Am I missing something that I'm overlooking?

Sorry this is a long story Late May 2024, my husband was rear-ended, his car totaled. We have full coverage, so we opened a claim with our insurance, the same evening as the accident. Police came to take report, which they found the other driver at fault. They included that my husband was injured but refused an ambulance. We went to urgent care the next morning and he was diagnosed with a concussion and told to not work or drive for a few days. The other driver claimed to have the same insurance company, but they were actually specifically written off the policy (some kid driving his dad's truck) so he's technically uninsured. We spoke to the insurance agent many times because we've never been in an accident and didn't know what to do or expect. We were compensated for the totaled car and mentioned we'd like pain & suffering to cover the missed days of work & such. And then we just left it alone, I assumed they would investigate and make an offer that would at least cover the missed work. After about 3 months, we got a notice that a new insurance agent was taking over. We explained that my husband had lingering brain fog from the concussion and had follow-ups with his doctor regarding it. Agent#2 sent an affidavit form to sign that we had no other insurance & medical release form for my husband to fill out. We had the paperwork signed & notarized, and both sent it by mail with the business return envelope given and uploaded it via a special link sent by the agent. Again, didn't hear anything for months. I wrote an email to ask if there would be a discussion about a settlement, again ghosted. Another few months pass and we've been transferred to a new agent. She wants to have a conversation, but at this point we're a bit fed up with all these conversations leading to nowhere. I asked if we could communicate by email so that there would be a record and heard nothing until today, when Agent#3 asked me to fill out the affidavit again. It's now been 9.5 months. I'm concerned about the length of time being taken to investigate my claim. I've answered every question I've been asked, signed every form. I've had 3 different agents. In each case when I ask about a settlement or offer, I get ghosted and then eventually passed along to the next person. I'm not quite sure what more is needed. I had many conversations with the first agent. Each time I emphasized, I'm new to being in a car accident, I don't know what's the norm, so now I'm beginning to feel like I'm being taken advantage of, like there is some bad faith going on with Progressive. I must say, I was pretty upset to see them ask for a form I've already sent months ago. Are we starting over again? I don't understand. I didn't get a personal injury attorney because this sub says you don't need one. What are we missing here?