UPDATE: they finally replied and sent me another link to update payment + the portal access link. Unsure what I did.. I guess since payment was involved, they prioritised? Anyway now I can look at my plan, submit a claim, etc. And they said the Comms would improve in the coming weeks. Staying with them bec the premiums were the most affordable with them. I've seen posts about odie this year but writing about my situation in case anyone has also faced it. To the people who got transferred over - have you received your welcome email? My policy renewed on the 2nd of January, and I never received a welcome email. I had to take my cat to the vet and got a 1k bill. There's no place to submit a claim. Nobody is replying to my emails. And on top of that, I received an email today saying my payment didn't go through with a link to update - BUT THE LINK WAS EXPIRED!! The audacity to ask me for a payment when I have literally no info and no reply from this company. Nobody picks up the phone. And if the payment doesn't go through, the policy will lapse and that will leave my cat without insurance which is soooo frustrating!!! Has everyone else gotten their account setup emails?? Or even received a response over email?? Their voicemail message says if you email multiple times it will delay the response even more so I'm scared to write them again and again. Advice??

Wife and I started a new policy being as ours ended with our previous company and we were under the impression. Everything was good. We were waiting for them to pull the payment we had our ID insurance card sent to us. We were even using their snapshot app during that time, my wife back into the neighbors vehicle, which was parked illegally And the door luckily my neighbor super cool about it but a few days after that happened progressive recanted the policy and I am worried I’m gonna have to pay out cash is what it is. I just wanna know what my options are and if progressive can be held to pay for the damages, even if they recounted their policy, after the fact

I am currently 2 months pregnant and just recently went for my 2nd pre-natal routine checkup. They performed a papsmear, and a ton of blood testing since I am almost 40yrs and it may be in the high risk category for pregnancy. Before I went in to see the doctor. The people at the front desk assured me that my Ambetter plan covers everything that needed to be done. But today, I received a letter in the mail from ambetter saying that I was denied for "Genetic Testing" as it falls out of their covered services. I am really stressed out about this and don't know what I should do. The people at the doctor's office told me they cover it, and ambetter is telling me otherwise. I also signed up for CHIP perinatal and wonder if that covers Genetic Testing.

Hello, I have an HSA with Optum Bank that I am transferring to another institution. A couple of weeks ago, I had a phone call with Optum where they had told me to liquidate my investments before initiating the transfer. Right after we hung up the phone, I liquidated all my investments and initiated the transfer with the other institution (Fidelity). I sold X amount of shares of VFIAX at share price of $565.06. A few days after liquidating everything, there was a purchase of shares on my account using my entire account balance, purchasing shares of VFIAX at a share price $567.88. It turns out that my account had a flag named HSA auto-transfer enabled, which is the cause of this. VFIAX has dropped a significant amount since this purchase was made. As of now, it is priced at $530 per share, which will drop even lower today. I am upset because the representative from Optum did NOT inform me that auto-invest was enabled, and my entire portfolio is down about 7% due to this. I just spoke with a supervisor at Optum to see if they can reverse this transaction and they said there is nothing they can do. The only thing I can do from this point is to disable auto-invest and liquidate all my shares for a loss. Is there anything I can do about this? I'm upset that I have to take a loss due to the phone rep not telling me to disable this feature. It's also caused delay on the transfer process to Fidelity.

I currently have Pets Best for two of my dogs. I have the more expensive package (not just for Wellness and/emergencies). I got this insurance over the summer when my vet recommended it. One of my dogs, Eve, has pretty bad dental disease and will more than likely need dentals every 1-2 years. Pets Best denied everything related to her dental due to it being a pre-existing condition. Fine, I guess, although I was hoping they would at least cover her pre-surgery blood panel. While she was under, she also had X-rays done of her hips to check for hip dysplasia due to some gait issues. They also denied that as a pre-existing condition. Okay... My other dog, Cora, is currently being worked up for something. She has a dexamethasone test to rule out Cushings. This test was also denied as a pre-existing condition. Here are my questions 1. Should I try to argue with them to cover any portion of these things for my dogs? Is it even worth it? 2. Is there another insurance company who is a bit better? 3. Or should I forget pet insurance and just use the cost of the premium and put it in a separate savings account for my pets health specifically? I should add - I expected to pay for Eve’s dental. I know dental disease is rarely covered under insurance. My vet and I were hoping they would at least cover some blood work and the hip X-rays Update: I just called and canceled my policy with Pets Best. The customer service rep was actually really sorry when I explained the situation. She even got me a refund for the remainder of the month that I already paid for. I’ve decided to just setup another savings account which I will pay monthly into to save for my vet bills.

I went to NYU langone raadiology lab (its inside hospital) for a ultrasound before the ultrasound i looked up the cpt code on the bcbs website and it gave me an amount allowed of like 200$ before deductions, and i was okay with that now i got the bill, and the amount allowed is like 900$ i called the insurance and they said its because the lab billed under the lab but not the doctor itself -- the amount estimated on the website is under a doctor . bcbs does not know what is the amount allowed under the "lab" i dont know if this is normal, but it was my first ultrasound and i dont know what to do. if i ask nyu langone to bill under a doctor will they do that? it was just intern/PA that did my ultrasound so does that even count? what should i do in this case?

I've known for a while that ManyPets was merging with Odie but I (wrongly) assumed that the policies would be largely the same. Odie emailed me yesterday with the new policy and billing summary and my jaw hit the floor. My plan on ManyPets was an annual deductible of $750 and unlimited coverage with 10% co-insurance. The annual premium was $377.04. According to the renewal notice with Odie, there is an annual max payout limit of $20k, deductible of $250 and 10% co-insurance (so an inferior plan) and the annual premium is **$1799.42?!** There is also a billing statement for a Wellness Plan, which I never had on ManyPets. I emailed customer support immediately on Friday and they haven't gotten back. My credit card will be billed on Monday. I'm going to call them first thing Monday morning but I'm pretty concerned. Others who were on ManyPets - are you sticking with Odie? People who have had Odie and used them for claims, what has been your experience? I'm certainly not willing to pay $1800. I have a 7 year old pug and he's healthy/never had any pre-existing issues. But I'm concerned that due to his age, I'll have a hard time getting a decent premium on a new plan.

Hey guys I'm with fetch pet insurance Australia due to the fact because they advertised they would pay directly to my vet and I would only have to pay the excess to fetch.. it’s called direct to vet Well I'm learning now no vets are set up with them at all most vets aren't wanting to hand over there vet details so the vet can pay them directly I feel like they are scamming there customers If anyone is with them how do you guys do it?

hi there, i have a 4-year-old domestic longhair. I do not have insurance for him, and I need to know what you all recommend he is indoor so i am mainly looking for wellness and accidents. also, we dont have a hospital or 24/7 clinic nearby. I have heard bad things about lemonade, and I have some options, so i have Metlife, Petsbest, Spot and Nationwide, please let me know thank you

Struck my uninsured motorcyclist. Car incurred 17,800 in damages. Claim against my insurance in Florida (geico). Car is a 2020 dodge challenger with 60k miles. Geo is saying the total loss threshold is 75%. But everything I find online says Florida is 80%. But when I read the actual statute it reads as though it may only apply to uninsured vehicles. I believe the kbb on the car is between 22.5 and 25. Which means that 5% can make or break this car being totaled. The car is paid off and I want to avoid it being totaled at all costs. I was also told by geico I cannot get a second opinion on the repair costs. They have not given me the acv of the vehicles yet and are still working on it.