So, how do you go about selecting a breed when buying pet insurance when you have a mutt? I did a DNA test on my dog and she's like 2/3 Cattle Dog and Chihuahua, and then 1/3 3 other breeds. I bought Pumpkin Insurance and selected Mixed Breed 11-25 pounds (she's 22 pounds and shouldn't get any bigger). Here's the kick in the pants- I asked what to do if she gets more than 25 pounds. They said, well, they won't accept Mixed Breed and they base breed on vet records. Why...why do they even have Mixed Breed as an option, then?? It's going to cost me an extra $136 a year to change her to a Cattle Dog Mix. It frustrates me because my dog weighs 10-27 pounds less than the average ACD. I can still cancel Pumpkin, and I'm tempted. But will it be any better with any other company? I assume they all operate the same way.

A couple of months ago I was involved in a small fender bender. I turned right leaving a parking lot, which ended up being a right turn only lane and I needed to go straight. Naturally I began the process looking to merge left. The lane to the left was a turn right or go straight lane. I am looking into my left mirror to see if I have space to merge while also seeing which cars are turning right as I would have no other choice but to make the right turn if there was no opportunity, to avoid a T-bone like situation I notice plenty of space behind Vehicle A once they passed me up. As I am looking at my mirror, Vehicle A speeds up and doesn’t have their turn signal on, meaning they should be going straight. I slow down so they can pass me up and all of a sudden Vehicle A decides to make the right turn abruptly as if they were late to something. They did not see me, but I saw the car, beeped, and did my best to turn along with Vehicle A to mitigate any damage. We collided with typical fender bender cosmetic damages. Within 3 minutes between collision and pulling over, the drivers dad shows up out of nowhere and does the majority of the talking for her. He was saying things like “it’s up to you if you think the hassle of going through insurance is worth it” which I took as discouraging going through insurance because they felt they were in the wrong. The cop pulls up and is very quick to deem me at fault without any major details (Vehicle A had police plates lol). Cop gave major attitude when I asked how I can retrieve the traffic camera footage as it captured the incident perfectly. I also was not cited for anything. I was able to retrieve the traffic camera footage and submit as evidence to Vehicle A’s claim. I was on the phone with the adjuster as she reviewed the evidence with me. She told me it was most likely going to be deemed double fault for “unsafe lane change” and the opposing drivers failure to indicate a turn signal which the footage showed. I understood and was told I’d be contacted before a decision was made. The claim was closed mid February and I was never contacted, so I assumed the claim was denied. Today I reached out to the adjuster to verify and was told the case was closed and I was 100% liable for “unsafe lane change”. I inquired as to what caused the change from the double fault I was told about to this, and was completely ignored in the adjusters reply as she just stated that she’d resend the letter. The letter is very minimal and doesn’t mention the cause for liability. I am livid that the driver gets to walk away with nothing on her record for her negligence. I understood no matter what I’d be affected, which I didn’t agree with as the wording makes it seem like I hit Vehicle A as I merged to the left lane when Vehicle A made the right turn that ended up hitting me. Is this just a poor insurance company or is the lack of communication common with insurance claims?

I picked up a few prescriptions in January for a Tier 2/$30 copays. This was a transition fill because my employer switched pharmacy benefits manager (PBM) and the medications were not on the new formulary. They said the lower cost was a grace period and standard of care while appealing for an Exception For Coverage. A few weeks later my Exception For Coverage for the medications were approved so I paid Tier 3/30% coinsurance on the next fills in February. The Exception For Coverage was backdated to January 1st, 2025. Then, the following month it looks like the PBM reprocessed the January fills as a Tier 3/30% coinsurance and the additional cost was applied to my out-of-pocket maximum accumulator through my health insurance. I'm not sure what is going on here? I called the PBM and was advised that they will not recoup cost from me and they will not ask the pharmacy to reprocess the claim. The OOP max was never mentions previously, but the representative confirmed that my current out-of-pocket maximum (with the added amount) was accurate as well. Is this common practice for PBMs? Or, could it have been a system error? Has anyone else had something like this happen to them? I am so confused about this because I have not been billed for the additional increase in coinsurance from the PBM, but it feels like fraud since I know the numbers do not add up.

I have a 5 year old maltese with no pre existing conditions and currently use Nationwide. My dog had to have a simple surgery to have something removed on her eyelid and Nationwide only paid out ~10% of the claim. I am looking to switch carriers in exchange for better coverage. If I only wanted to insure against accidents, unexpected events, and not routine care like vet visits and bloodwork, what pet insurance company offers the best value? I am a bit lost and the marketplace for pet insurance seems to be large and growing. The goal is to have a lot of coverage for, say, a $4,500 surgery as the result of something unexpected. What does everyone think?

**TL;DR - old dogs, medical history, am I stuck with my current insurer?** (that doesn't add any info to the title of the post but oh well. And yes this post is too long) I have two Portuguese Water Dogs, a [10 year old black curly male ](https://imgur.com/wFUAoUd)and an [8 year old brown curly female](https://imgur.com/xHxNAZn). As older purebred dogs, they've been to the vet once or twice ;-) [Besties](https://imgur.com/sPSnlRh) (and cousins) My dogs have been insured with the same company (H.P.) from as soon as they were eligible as puppies - 8 weeks plus the obligatory waiting period. I would love to be able to leave this company as they have become quite expensive, and their incompetence processing claims for us is truly staggering. They reflexively reject claims as "not covered office visit" when the claims are not for office visits. My dogs recently ate raisin bread (ugghhhh) and so there are a lot of vet bills and it's been three times now they've done the exact same rejection pattern - despite my calling in and saying "you've rejected correct claims before, can you please process these correctly". Apparently they can't. They are owned by a billion dollar company (Chubb) and I guess they need my money for the CEO's granddaughter's golf lessons or something. Maybe it's not intentionally trying to rip me off. But if that's not it then they've been unbelievably incompetent. Which is worse?? Of course I have no idea what the future holds for these dogs - whether they'll need care for preexisting conditions or not (or for something that the insurance **says** is a pre-existing condition.) The older boy had a mysterious illness as a puppy so that is in his record (though from another vet in another state, maybe it wouldn't ever be found); he's had positive Lyme titers on more than one occasion; and he had acute kidney injury (based on his creatinine) from the raisin incident that may or may not have resolved. The girl never showed abnormal values from the raisins but got IV fluid treatment so it's in her record. She also has been seen for recurrent UTIs that are controlled with special food that controls her urine pH. Backstory is We previously had two PWDs [D & B](https://imgur.com/WN920VF), ten years before D died of cancer and one of them ended up in the ER and as the result of a complete medical and administrative dumpster fire, we ended up spending low five figures to keep her alive AFTER the vet practice KNEW she was completely riddled with pancreatic cancer. (Dog medical stuff is no fun!) We had to take out a loan from one of those companies that has brochures on the reception desk of vets, plus put a lot on credit cards. :-( After that experience we resolved we'd insure our new dogs and went with HP because they had no lifetime limit, and we didn't want to have to make a dollar decision on a dog's life. Also at that time I don't think HP was owned by Chubb (?) They seemed like a small soulful outfit out of Seattle and genuinely wanted to provide a service to pet owners. I may be wrong about that though. At any rate Chubb owns them nowand probably the original owners are enjoying their retirement in a 7000 square foot mansion in Bali built entirely from reclaimed Indonesian teak temples. But I digress. So - I'm stuck with my existing insurance? Pre-existing conditions seem to be ixnay for the pet insurance industry (for reasons amply explained in this sub), and if there are any loopholes or allowances it seems like my dogs are exhibit A for not fitting through. Thoughts / insights / advice / comments on how cute my dogs are, much appreciated.

Hi guys. I have Pets Plus Us for my cats. A little while ago my cats were exhibiting signs of asthma, the vet said that if it’s only infrequently then he doesn’t see the need for medication but that if I really wanted to he could give us a trial amount of prednisone to see how it works. I agreed, and when I submitted the documents the insurance wouldn’t cover it because the doctor wrote in the notes that I insisted on trying the meds not the doctor. Anyways, rewind to now. My cat has a serious case of diarrhea. The vet suggested a PCR. However since he’s an indoor cat I highly doubt any parasite or virus will be the issue. My friend who works at a different vet clinic recommended I get my vet to do an ultrasound. However, I’m very nervous to suggest this myself instead of my vet suggesting it because I’m worried my insurance will deny the claim if the vet writes in the notes that “owner requested an ultrasound be done” instead of the vet being the one to suggest it. Is this a real concern? If I want insurance to cover any treatment or diagnostics, should I avoid making and suggestions or requests to the vet so that any tests that are done are only at the suggestion of the vet? Money is a big concern right now since I lost my job so I don’t want to risk getting my claim denied. Thank you in advance!

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?

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!!

So am I overpaying? Any recommendations on where to go? Nationwide increased my bill by a lot. Healthy dog.

Do they not regulate, or loosely regulate, pet insurance premiums in Pennsylvania? I started a string on a cat Facebook group asking people to note their cats age, healthypaws premium, and city/state. To my surprise, someone with a cat in NYC at a similar age was paying way less than me. For reference, my cat just turned 19 and my ~60 day notice says my premium is going up from ~$380/month to ~$650/month. I don't think I have the option to switch insurance providers since my cat has a lot of health issues we are managing. Most plans do not cover pre-existing conditions. Can people post their healthypaws premiums below if they own a cat, inclusive of the age of your cat, city and state? For those who live in Pennsylvania, are you also seeing crazy increases? If there is a pattern of Pennsylvania being the outlier here, I can draft a letter to the Department of Insurance and the Attorney General. Note: My premiums for my cat when she was about 17 and in Phoenix, Arizona, were ~$150/month.