Hi! I’ll get right into it- I adopted my dog in 2021 at age 3 and got her pet insurance immediately at around $20 per month initially. The price has gone up as she aged and is around $55 per month now (she is 6 almost 7). I moved in the last few months ~10 miles away from my old apartment but still go to my same vet and have not had any significant changes otherwise. I called the pet insurance to change my address and they quoted me $139 for the same coverage I have just because I moved. Since I have been with the pet insurance a while, I feel like they just redid my quote as though I was a new customer and that’s why it’s so expensive. For nearly triple the price I’m not willing to keep the insurance but wondering if I have any rights here or this could be escalated further? I really like my pet insurance but feel that this is outrageous especially since I have not moved that far and still go to the same vet so I don’t see how it would make that much of a difference to them. More details- I have MetLife pet insurance. I live in Saint Petersburg, FL (moved from downtown to north st Pete and my zip code changed). I also moved from an apartment to a townhouse. Thanks in advance! Edit to add: no preexisting conditions except allergies (she gets a shot every 3-4 months) and nothing new that would have contributed to the price change.

So I recently got in my second accident in 3 years. The first one was at fault in September 2022. This one was not at fault last month. I had just started a new policy with a new company, Traveler’s and they decided to drop me after the claim was closed. However it became a word vs word accident that was supposed to go to subrogation but since I was dropped it’s not anymore. So I had to get a new policy with Progressive which on their report they listed the accident as at fault. Is there anyway to try to change this? I know I wasn’t at fault and I think the photos of the accident help prove this. Edit: I’m in Georgia

I’m looking for advice on how to get Budget Car Rental to refund me $1050 that they wrongfully charged me for “loss of use,” even though my insurance fully settled the claim. Timeline & Issue: • Sept 22 – I was in an accident with a Budget rental. • Oct 17 – Budget charged me $1050 on my personal credit card for “loss of use.” • Feb (First Week) – My insurance fully settled the claim, and I have a signed release letter from Budget’s claims department confirming everything is paid for. • Now (March) – Despite multiple follow-ups, Budget still hasn’t refunded my money. What I’ve Done So Far: 1. Emailed Budget—Sent a detailed request with the signed release letter proving all charges were covered by insurance. 2. Called Customer Service Twice—Each time, they escalated it to the billing department and told me to wait 5–7 business days. 3. No Refund, No Response—Every time I follow up, I get ghosted or asked to wait again. Why This Matters: I am a student, and $1050 is a huge amount for me to have tied up for months. Budget has been unresponsive, and I don’t know what to do next. What Are My Options? • Has anyone faced a similar issue and successfully gotten a refund? • Should I escalate this via a chargeback, BBB complaint, small claims court, or another method? • Any suggestions on getting Budget’s attention and making them act faster?

I'm filing taxes for the year 2024 and I found out we had marketplace coverage that we didn't know we had. In 2023 my wife began the process of applying for marketplace coverage, but during the process told them she was no longer interested and that she wanted to cancel her application and for them to delete her information. We have now found out that they did not do that and instead completed the application and we were enrolled for the first 3 months of 2024 before my employer health insurance cancelled it. Is there literally anything that I can do? It doesn't seem right that we ended up enrolled for something my wife cancelled midway through the application process. For context, the reason she wanted to cancel was because the representative felt hostile and she had almost fallen prey to a handful of scams, and he kept rushing her to give him her personal information so he could finish. She felt his tone was more in line with scammers rushing marks to get the payoff and tried to terminate the interaction and the application immediately.

I've had a Hagerty policy for about 4 years on my B5 S4. For context, I live on Long Island, NY. Around December of last year I made a decision to remove the insurance and plates from the vehicle due to other priorities in life. Over the years, my annual policy rate typically ranged between $600 to $720 with an agreed upon value of $15k. Deductibles were $500 and property damage / bodily injury was set to $100k/300k with supplemental at $50k. The time has come to get insurance and plates for the car, again. I got a quote from Hagerty yesterday and it came up to $2370 per year! The policy was configured identically to the last quote I received for renewal in February of 2025 which was quoted at $719 for the year. My driving record, credit score and address is the same. I called up to have someone review and validate that I have configured the quote criteria exactly as the recently canceled policy. The Hagerty rep confirmed the policy configuration and was also shocked by the difference in the quote. She mentioned that there was an increase recently to all NY issued policies but she did not have any other value added info. Do any of you fellow redditors have a recommendation for a specialty vehicle policy with other companies? I filled out an additional application with Grundy that is currently under review.

hello! i recently got lemonade for my 4 month old kitten. since then, she’s had a UTI or what seemed like one, they couldn’t really tell because she’s very tiny or something like that. i submitted my claim the ends of october and had a follow up on november 1st. the month is about to end and our claims combined to a total of 1.5k~ ish. we have not received our reimbursement yet even with all of the paperwork sent in. lemonade status is just “in review” and usually, id be patient and we have been but sometimes this money could be used for bills or going towards food or another visit if she ever got sick. it’s just infuriating emailing and getting the same automated message of “thanks for being patient.” i dont know if this is a universal experience with every pet insurance because its my first time having a cat ^^ but if anyone can recommend any better service pet insurance or if you’ve had similar experiences let me know!!

Hi, I was at a red light this morning and a big truck behind me slammed the gas before the car in front of me started moving. They sped up driving by me right after pulled over. Total asshole. The police report is complete and there was a camera at the light and a witness called in. However, turns out the tag on the vehicle was out of date…I have never been in an accident before. I have usaa insurance and have a claim open but was curious what happens in this situation. Do I end up paying everything out of pocket? I was not at fault so it really sucks.

Hi all, I have two 4-year old cats on Healthy Paws pet insurance. I've seen the recent posts here regarding horrendous premium increases with HP, and am wondering if I should try to switch companies before my cats get older. My cats are healthy and I've never made any claims. My premium is currently about $80 for both cats (and yes, it did go up a good bit this year). I live in California (yikes). My major concern is that one of my cats has a history of struvite crystals in the urine. He's never had a blockage, a UTI, or any urinary problems - it was an incidental finding on pre-op labs before a dental cleaning. He's been on prescription food since then and the crystals have cleared up. But I know this would be considered a pre-existing condition if I tried to change pet insurance companies. My question is, how broad might this exclusion be? Would I potentially never get covered for anything urine or kidney-related if the insurance company tried to blame it on the history of crystals? And if there's a risk of that happening should I stick it out with HP (maybe the premium increases won't be as bad for cats?), or still try to switch? I do not have access to an employer-sponsored MetLife plan covering pre-existing conditions. I've read some companies might cover certain pre-existing conditions if they have been treated and symptom-free for over 12 months, would that potentially include my cat's history of crystals? Appreciate any opinions or advice. Thanks!

Location: Washington state, US I have a structured settlement with Navient from 2020 that keeps my payments at a specific rate for the duration of the loan. With the transfer to MOHELA processing payments, they have not been charging me the correct amount. I have notified the contact that I’m required to coordinate with several times. She has responded each time but it has not been fixed. I have only been submitting the agreed upon amount which means I am under paying and also cannot set up auto pay. I’m concerned this could impact my credit, but also if I miss a payment the settlement goes away so I really want to be able to autopay. What can I do here? Are there any legal repercussions from their side of the agreement if they keep over charging me? Or is this just my burden to deal with?

UPDATE: I called this morning and apparently the post authorization did get approved without my knowing and without updating in my online portal. It's still showing online that I owe the full amount but the employee I spoke with said to ignore those charges and wait for a bill in the corrected amount of $333.87 which is much more palatable. Major thank you for everyone's input!! It was late and I was getting very anxious about it, I seriously appreciate everyone's comments. Hopefully there won't be any more mishaps and I know better moving forward to make sure preauth gets sent. Recently I had a colonoscopy at the suggestion/request of a gastroenterologist for issues I've been having. This was my first time having any kind of outpatient procedure and my first time dealing with marketplace health insurance (United Healthcare) on my own. I did not know that prior authorization was a requirement for this procedure. Prior to scheduling the procedure I spoke with UHC about coverage and was told I'd only be charged the copay because it was in network. After the procedure I found out the medical office and hospital failed to request authorization and did the procedure anyway, now I'm being charged $5,000+ for the colonoscopy because of it. I didn't know I needed authorization and moreover it was the medical facility's responsibility to get that, and NOT perform the procedure unless it was granted. Am I mistaken? Has this happened to anyone else? What are my options? I've already called the medical facility to submit a post-authorization appeal but it seems to be denied as well. I'm at a loss and feel entirely screwed over, would love some advice!