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 recently ran into some medical issues and just got my blood sent in for testing, which my office said they'd run through my insurance. Then today at work my coworker got a call from her doctor saying that her appointment had to be rescheduled or cancelled because her insurance policy came back as having been cancelled. I immediately went to check the status of my insurance and found that it had been "termed" as of a month and a half ago. According to my insurance provider, I have no medical, dental, or vision insurance. My paychecks are still having money pulled for insurance payments and I received no notice of a cancelled plan (checked emails, messages, and physical mail) but when I call my provider they tell me I'm not insured. This is the same for every other coworker I've spoken to this afternoon. I've already reached out to my employer about this and am waiting on a response, but my question is: if my medical bills come back higher because I'm "not insured", am I legally able to make my employer pay for the difference as it's their responsibility to maintain my (and my other coworkers') health insurance?

Location: perth wa Last year my partner got rear ended in march 2024 while they were on the way to work. Got admitted in Fiona stanly for three days to do test and scans and lodged the claim with insurance commission of wa . They kept asking documents and stuff for 4-5 months yesterday (after 1 year going back and forth)got payed $787 from insurance commission as one of payment as a loss of salary while they are still not capable to be back to work. Is it worth proceeding it with legal ways to get compensation for the loss of salary. Salary was $950 average a week. Thank you

I’ve been paying 436 a month for a 22 Honda for the last few years, which I haven’t been able to afford, but always managed to pay on time with autopay. I’ve never had a missed bill. My last payment was on February 28th. It came out of my account, and put me deeply in the negative, and then got returned because I had insufficient funds, which has never happened before when bills put me in the negative. I switched over from Liberty Mutual to Geico after that and am only paying 159 a month now. Geico sent Liberty a letter declaring cancellation and demanding returned funds for the rest of my coverage this month that I’m not using- bill was on the 28th, canceled on the 6th of this month I believe. I called Liberty to double check, they claimed they never got the letter, refused to refund anything, set another date to pull that 436 from my account since it got returned previously, and charged me 90 something dollars on top of that, due the 22nd of this month, but didn’t tell me what that added fee was for. I went to my bank and told them to halt autopay for Liberty after that 436 bill, since I do technically owe that outside of any returned funds. They messed up and halted ALL autopay, so the 436 won’t come out, which I didn’t mean to do. The app now, since I’m no longer a customer, will not allow me to manually pay it. Is there any legal or credit ramification for unpaid bills post cancellation?

Hi! I'm 19 and I recently bought a car and got my license. I called up progressive for car insurance since most of my family is with them and they said that I would have to pay around 484$ a month for minimum liability coverage. This surprised me because the first time my siblings enrolled with them they paid a little over 200$ and that wasn't too long ago. My car isn't new either, it's a 2007 Honda Pilot. If anyone knows any better insurance companies who aren't as expensive please let me know!

My car is being considered Totaled based on the accident photos. To determine the value of the car the adjuster is asking me to take pictures of the inside of the car only. I requested for them to send someone over to look at the car in person, and they say they don't send appraisers to look at cars, that they only base it on the pictures. They said that if I wanted to get the car repaired that I can, but they would consider it as "Salvaged" and there's a process for that. They would send me a salvaged title, etc. Wouldn't they assess it lower based on inside images only? What about the rest of the car, they don't care about it? What can I do about this. I have also let them know I paid for my registration, bought some new lights, tires, etc. recently, and they asked for the receipt of these items, which I will send but how can I know that I'm not being offered really low? What makes me the most concerned is that I had a body shop come see the car and they tell me that they consider the car's value much higher than the repair. This is why I wish they could bring someone over instead. The car aside the accident part, is in great shape, why can't they be fair and bring someone to do this properly? This is being done by the other driver's insurance.

Alright here's whats going on Been licensed since 2021 Got into first accident (at fault) in november of 2022 Got into accident last month (feburary 2025) Before the 2025 accident I was with Wawanesa and was paying I believe $350 a month for insurance but they just dropped me. Things are generally close by so I was planning on just lasting out on a Non-owner's policy until insurance becomes affordable (I'm guessing nov/dec since the 2022 accident will be 3 years old then) but I'm curious if anyone has any other suggestions. I looked in to pay-per-mile insurance but it doesn't seem like there is anyone offering it here in California. Any help is appreciated.

I’m moving to a new state and currently have renters’ insurance with State Farm. I filed a claim for a theft in my building a couple of months ago, where a large amount of my personal items were stolen from what was supposed to be a secure mailroom. Last Friday, I contacted a State Farm agent in my new state to set up a policy for my next apartment. After taking the weekend to get back to me, she said she had spoken with the underwriting department and they couldn’t write me a policy because of that claim. She specifically said I couldn’t have an active claim in the last **24–36 months**. That doesn’t make sense to me. Why would the rule be a range instead of a clear cutoff? Is this standard insurance practice, and I’m just unfamiliar with it, or did she give me incorrect info? The vague timeline feels odd, and I’m wondering if she was just making it up or if she has the information wrong. I ended up going with a different insurance company anyway, but just wondering if she was BSing

This is for a puppy that will be enrolled at 8 weeks old. All unlimited options: Pets Best - doesn’t cover alternative therapies such as shockwave, PRP, stem cells, PEMF - $50.87 month - 90% with $500 deductible Healthy Paws - my current insurance provider - no longer offers 90% coverage - policy states it doesn’t cover diseases preventable via vaccine which is concerning since vaccines don’t always cover all strains - $47.71 month - 80% with $250 deductible Pumpkin - sample policy says “we may decide not to renew your policy at the end of any policy period” which is concerning if you start having a lot of claims - $74.99 month - 90% with $500 deductible Figo - $51.99 month - no exams covered (or $62 with exams covered) - 90% with $500 deductible Any thoughts? I’m happy with Healthy Paws but the 80% is disappointing so considering other options

Hi, I recently adopted a 1 year old retriever mix and he was limping so we had to get him checked, turns out the doctor said while playing he might have hurt himself and he will recover in 2-3 months but now I was planning to get insurance from SPOT or ASPCA , they have specifically written knee and ligament conditions are pre existing forever so for example if my dog gets arthritis later in his life, would that be a pre existing condition? I am trying to find the insurance for my dog, I had pretty bad experience with FETCH so definitely no FETCH for us. Can you let me know what's the best insurance I can use to insure my dog given this curable injury is not considered pre existing for any bigger condition.