**Context:** Policy Information • Protected Since: 06/08/2011 • Current Monthly Premium: $431.58 • New Monthly Premium Starting in 63 Days: $1,207.12 Posted yesterday here: [https://www.reddit.com/r/Pets/comments/1jttro5/healthy\_paws\_pet\_insurance\_warning/](https://www.reddit.com/r/Pets/comments/1jttro5/healthy_paws_pet_insurance_warning/) *"I understand that premium increases, like any increase in something we use or pay for regularly, can be a stress financially. Our goal is to keep your premiums as low as possible while still providing the policy’s features and benefits. Premium rates are based on many factors, including the increasing cost of veterinary medicine, the pet’s age, breed, sex, and zip code. Insurance regulations require us to charge a premium that is sufficient to cover anticipated claims. Premium increases are filed and approved, where required, with your state’s insurance regulator.That being said, you do have options for decreasing your monthly premiums.  If you would like to decrease the cost of your monthly premium, you can do so by assuming more financial responsibility in the cost of your pet's health care. You can do this by increasing your pet's coinsurance and/or annual deductible.  If you would like more information on those options and what those premiums are, just let me know via replying to this email and I will be happy to send those over to you.If you would like to speak with me to review the matter further, you can simply reply to this email noting a few dates/times that work best for you, and I will be happy to call you back at your desired time. Please note that I am available Monday through Friday between the hours of 8:00 am - 4:00 pm Pacific Time."*

Location: Indiana I have just been informed that my son's great grandma (who has never ever had her address used for our Medicare nor been approved to know anything about his or my medical info) has been receiving all of our Medicare information. I have over 5 letters for both him and I in regards to our benefit explanations, they even stopped his benefits and I had no idea!!! I'm upset because he has an upcoming appointment very soon for his 18 month check up and I don't even know if he will be covered by then. I have no idea how they even got her address. She recently moved, and I didn't even know her new address. But somehow, they have all went to her. I'm so confused as to how this has happened?! And I'm really mad that she had (if she chose to open the mail, but she did not open any of it) complete access to our information like that. What can I do about this? I plan on calling Medicare tomorrow but I really think this is a huge issue and I'm pissed honestly.

Hi guys ! I'm considering switching pet insurance plans for my 6 year old mini Aussie. I currently have MetLife Pet Illness and Injury, but with one minor shoulder injury - maxed out my benefits after one visit. As my baby gets older - I want to make sure I have the best coverage for him - especially with ortho treatments ( ie. PRP injections) Any Recommendations would be very appreciated !

This happened a bit over a year ago. I was driving my girlfriend and her coworker to work and pulled over near the curb to let them out, at the same time another driver starts backing up so I lay on the horn but he hits my car my girlfriend and her coworker both were still in the car when it happened and saw everything. We get out and they are not communicating at all and possibly didn't speak english. Police were called and they didn't show up for over an hour and he eventually started trying to drive off. I follow through for half a block and he stops and backs up into me again. His "son-in-law" came after I guess they called him and he started trying to gaslight me into believing I hit him and theres no proof and that police aren't going to come. LOL. Police eventually pulled up and the other driver started to feign a heart attack or something. They even called the ambulance and the EMT didn't look pleased... I got the police report, report states: **"V1 STATES HE WAS PARKED WHEN V2 WAS REVERSING INTO A PARKING SPOT COLLIDED CAUSING DAMAGE TO FRONT BUMPER. V2 STATES HE WAS TRYING TO TAKE A PARK IN SPOT WHEN HE COLLIDED INTO V1. V2 CLAIMS THAT V1 WAS NOT THERE ARE THE TIME HE WAS REVERSING. V2 DRIVER WAS TRANSPORTED TO BOOTH MEMORIAL FOR CHEST PAINS. PO DIDN'T WITNESS"**. I got the insurance info and drivers info from the police report, called their insurance to make a claim. They instructed me to go to this auto shop and get a quote for damages, went there, the shop said they will call me about the quote. I never heard from the body shop again even after calling them they said they'll send it and never did, the insurance company never again picked up my calls after weeks of calling. I have liability insurance, with Geico and they said to file the claim with their insurance. This is in NYC, the other driver had NY plates but insured by a NJ company "Plymouth Rock Auto Insurance" Due to my girlfriend and I living together, Geico requested me to add her as a secondary driver, I told them she does not even have a license to drive and of course never drive my car. They sent numerous letters and emails about this. Each time I replied online and called in to explain that to them, they acknowledged and I thought that was over. They ended up dropping me, and I didn't even realize for nearly a month and then I was fined by NY for driving without insurance. Paid the penalty and started looking for other insurance. Nobody was willing to cover me due to a gap in coverage, possibly the accident being reported, etc. I was only offered to be insured by GEICO AGAIN LOL. They doubled my rate for liability insurance nearly $400 a month and I've been paying that since. Need advice on how to get what I'm owed for the damages they caused to my car.

I bought a car rental through Kayak/Priceline in November and was offered rental insurance through RentalCover. Purchased the rental insurance and got a policy. During the trip I caused some damage to the bumper and it had to be replaced so I started a claim with RentalCover, but it's been sitting at the status "under assessment" for over two months. The rental company has a claim specialist asking me for an update every week. I've tried contacting RentalCover multiple times through email, chat, and the contact form but I've never heard back for an update on what's going on. They have no phone number available to speak with a person. I'm not sure what to do. I'm afraid the rental company will demand payment, but the rental insurance is completely unresponsive. Do I just keep waiting? Get a lawyer? Try to claim with my normal insurance? Edit: the accident occured in Colorado.

**Odie is taking my monthly money and not holding up their end of the bargain.** I was switched to Odie from ManyPets when ManyPets sold and want the world to know: ODIE IS A SCAM. GET OUT WHILE YOU CAN & DEF DON'T SIGN UP. Aside from the significant increase in monthly cost and 20k coverage limit on a previously unlimited plan, Odie is...nowhere to be found. My claims are not being processed, nobody answers the phone, the chatbot isn't responsive, and I literally cannot get any information. **I've filed a claim with the Better Business Bureau, providing screenshots of everything. Anyone else???**

I am scheduled for surgery next week with a specialist. I’ve waited a very long time to get this care and am chronically ill from my health problems. I received notice from the hospital billing department today that in fact the hospital is out-of-network with my insurance. This is after at least 6 months of appointments at this hospital and with this surgeon’s office. My insurance was billed for the other pre-op appointments. The billing office informed me today that I would have to pay about 49k up front to even be seen by the doctor for the surgery at this point. I pressed both my insurance and the hospital as to how this could happen. According to the hospital billing office, they had my insurance numbers but not my card on file (I’m quite sure I gave them my physical cards at one of my in-person appointments). They said someone had entered the wrong plan into the system (one that was covered by the hospital) and just discovered this. Something feels very wrong to me, not to mention the psychological stress of having been preparing for a hopefully life-changing surgery that is likely to be off the table. I have the option to file an out-of-network gap exception or use another recommended surgeon, but I am enraged that this mistake was made. I don’t understand how the hospital could just now find out that my insurance is out-of-network. Can anyone advise—is this fishy? What might I do to get my surgery next week? My FMLA is approved, my friend paid money to fly to stay with and take care of me, and childcare and meals are organized. I find the whole thing unacceptable but don’t know how to advocate for myself. My plan is Highmark Blue Cross Community PPO.

Location: Tampa, FL Hi everyone, I just want to know if you were me would you fight this with a lawyer? I was in a car accident in Florida in December 2024 while uninsured. A collection agency (on behalf of the original auto Insurance) is now coming after me for over $12,000. They didn’t notify me properly—I only found out after the DMV suspended my license and said I owe $15k. They’ve only sent a vague letter and a redacted repair estimate, but no real proof of liability, payment, or how they came up with that amount. The original insurance company of other driver -Auto-Owners never contacted me at all. I genuinely had no idea they submitted the claim. So all of this is so confusing. Does this seem normal? It seems both companies aren’t giving me the info I need at all but want me to just cough up $12 or 15k Thanks in advance!

I just thought about checking on my fetch insurance, went on to the medical record page, and found out that ALL my pet’s medical records were deleted!!! It says no medical records at all, but I’ve been updating my pet’s medical record since I adopted him in 2023. There are 4 records that I updated, including annual wellness check and initial baseline. I have the confirmation of medical records emails from fetch last year. I called them and reuploaded all the files. The customer service was nice but she said that she has no idea why this happened, and no further clarification on how to prevent this in the future. This feels so shady. Everyone with Fetch, please have the habit to check on your records regularly, because I’ve had experiences of them refusing my claim because I didn’t post annuals check up record every year. I can’t even imagine what could’ve happened if I didn’t think about checking the insurance today… still in shock

I’m looking for reviews of Physicians Mutual pet insurance and wondering if anyone can answer some questions I have about their sample policy. I’m mainly wondering about their “per incident copay” and “covered incident limit”. I called for more information and the guy I spoke to acted like that was the first he’d ever heard of those terms. So I’m wondering if anyone knows what these copays and limits are or if they even exist? Any info is appreciated!!