Hi everyone! I'm looking for some insights on my cat's insurance costs. I've been with Trupanion since my cat was 3 years old, and she is now 7. The premium has been increasing nearly every year, and I'm currently paying $106 per month with 90% coverage and a $0 deductible. She's been relatively healthy overall, just dealing with early-stage osteoporosis, which we're managing with weight loss. Thankfully, no other major health issues. However, the one time I submitted a claim, my vet had to intervene because Trupanion was reluctant to cover costs that were supposedly included under my plan. Given these details, does the price I'm paying seem reasonable? Also, if anyone has suggestions for more affordable insurance options in Canada that still offer reliable coverage, I’d love to hear about them. Thanks for your help!

Hi all! I have a 13 year old German shepherd mix Pitbull grandpa baby with no pre existing conditions. I took him to the vet recently and it looks like he may have signs of arthritis at his back legs. Aside from that he is relatively healthy and has a few years strong(hopefully) My question is whether to continue my current insurance with nationwide or switch to something relatively cheaper/better or stash cash. I recently used it for his visit and they only covered 70 % of the visit, vaccine was not included and I have a 250 deductible. My premium is about 200 a month. My family and I think aside from emergencies and possible end of life care we’re not sure if the premium is worth it. Any advice is deeply appreciated!

This year, my Farmers umbrella policy for 2 mil coverage premium increased from 1000/year to 3880/year. We are in California. Have umbrella/home/auto (2 cars, 2 drivers) with Farmers. My son is 22 and has an accident on his record from 2.5 years ago. He has his own car titled in his name. His car is insured on my policy. What would you do to lower the umbrella insurance cost? I am really struggling here. If he gets his own car insurance, can I be sued for an accident he causes since he is a dependent on my taxes? Thank you for any ideas.

I have a two year old mixed breed dog he has been on Fetch pet insurance since I adopted him as a puppy. I was paying about $25/month. The first year I did not make any claims so it did not increase. This past year I did have to make about $5,000 in claims which led to an IBD diagnosis. I have not made any claims since then. I just got my renewal notice and the new monthly cost is around $60/month. This doesn’t seem reasonable for the low coverage limit I have. This seems like an excessive increase. Is it worth switching pet insurance to something that has better coverage and is less than half the price but won’t cover pre-existing conditions and just saving the extra money for when it’s needed? What would you guys do?

Hello. I have mapfre insurance. I had a minor accident 2 weeks ago and submitted a claim on March 27th. They had me take pics of the damage(front bumper damage) I got my estimate from their electronic appraisal. I dropped off the car at an in network shop on Sunday, March 31st. That Monday the shop submitted a supplemental appraisal to have someone to check the car to approve more funds to get the car fixed from insurance. Since then there has not been an appraiser to come check my car at the shop. It’s been a week and it’s beginning to get frustrating. I was told many different stories on when an appraiser will come up until on Thursday an appraiser told me there was an issue in their system that prevented them from assigning an appraiser. I was told this past Friday that one has been assigned and will call the shop to schedule an appointment. The damage is minimal and the shop can fix the car in 2 days but can’t proceed without insurance. What are my options to make sure they have someone come on Monday? I’ve been without a car for a week and it’s been difficult to get around. Would love some advice on this issue!

My dog is currently 4 years and his Petsbest policy is due for renewal in 2 months. He is turning 5 in 2 weeks. The premium will be increased by 70% at renewal (from $340 increased to $599 per year). I checked with a new email address and I think if I get a rewrite before his birthday the premium will be about the same price as I am paying now (i.e. $340, and that's about $250/year savings). If I do the rewrite after he turns 5 the new premium would be $426, still cheaper than the offered renewal rate of $599. My dog is healthy and there has been no claims since 2021 other than wellness claims so I suppose there is no preexisting conditions. I am only a bit worried about the 6 months waiting period for ligament injury if I were to request for a rewrite. I am thinking about also getting an accident-only insurance from Spot during the waiting period to cover that risk. Has anyone done a rewrite before? If this is workable, is it a good idea to get a rewrite or consider switching every year before his birthday if the premium increases insanely, so long as my dog has not developed any preexisting conditions then?

I have two cats, Fox and Ollie. They are brothers and turn four in September. I got Nationwide Pet Insurance in July 2024 for the first time. I did not notice at the time, but their plans didn't match. Fox's was $189 for the year, Ollie was $190. I called to change the renewal policy so it was the same, and to add Behavioral coverage. I wanted to match Ollie's coverage to Fox's, add behavioral. Fox's renewal, with NO CHANGES, increases by $125/YEAR in July. The woman on the phone said it's "because he is a year older." Lady, he will be FOUR this year. FOUR. Current: $19/mo > $29/mo So, recommendations? They are two boys, indoor, vaccines up to date but no recent vet visit. I'm mildly concerned Ollie has a behavioral issue but no diagnosis and running off vibes and tiktok diagnosis, not real doctors. I am going to wait to take him to the vet about this until I have the right insurance policy JIC, but SHOULD I even have cat insurance?!?! Otherwise, they're two healthy young cats. Indoor. Thoughts?

I submitted a claim on 4/12 for my three year old domestic shorthair cat for a diagnosis of FHS. On the claim I asked for reimbursement of the medicine ( Gabapentin ) and the cost for the emergency visit. I submitted all medical records as requested. Today 4/29 and the claim is still in review. I signed up for Lemonade when my cat was a kitten. He has no pre existing conditions and I take him to all his annual vet appointments. Lemonade is not very communicative. I only received correspondence when I reached out to them asking for an update. They say they are working on processing the claim as quickly as possible. Is this normal turn around time?

I was involved in a car accident. I called the local police after the accident who came and filed a police report. After waiting for the form to be validated I obtained a copy from the DMV and provided it to the insurance. The police issued the other driver a ticket for failure to yield as she was pulling out of her driveway on to the road. I was traveling on the road and was unable to stop or avoid her in time and hit her car in the road. I took pictures of the accident which shows my car pulled over on the road, debris in the road and her car pushed onto the shoulder. I assumed with the police report and my other evidence I would be successful in filing a claim against her insurance. The insurance company notified that they will not pay for repairs to my vehicle as the other drivers statement does not match mine or the police report. They stated she is working to amend the police report. I’ve never heard of this so I called the police who told me the chances of getting the report amended are very slim and likely not to happen. The other driver claims she was stopped for several seconds and I should have been able to avoid her. The roads were covered with snow so stopping times were increased, I could not stop in time. I have no collision as my car isn’t worth very much and now have no way to repair it. Does anyone have experience in a similar situation on what my best options are with the evidence I have? So far I have filed a complaint with my states department of financial services, request a copy of the decision and appeal process with the insurance and stared researching the small claims court process. The insurance company refusing to pay is GEICO if that matters. Any advice to recoup some compensation for my damaged car is appreciated. tldr: got in accident other driver ticketed insurance refuses to pay for repair

My wife wrecked her 2023 Honda Accord last month when she hit a deer in the road, Progressive came back and said they are not going to cover the car as 1 rear tire was below safe level of tread (not even sure how that possible in 21,000 miles) is she just stuck paying on this totaled car, and the weekly storage fees at the tow lot for eternity?