My pup just got cancer, and I’ve had her on nationwide for 12 years, I signed up when it was 90% coverage, excluding wellness and they used to pay out reasonably well. They hide it in the small print but they have extremely low limits for most categories - meaning I will be paying 70% of this out of pocket. The diagnostic limit alone is $1650 which is 25% of an MRI in my area. My other dogs are with healthy paws and pets best - I am sick that I didn’t move her sooner. If you see this please just move your pups rather than suffer.

Hello, So Just to give some background my Experian score is 667 and I'm looking for a Heloc or Home Equity loan of about 35k. I make about 60k a year. In 2020 I had 2 late mortgage payments due to covid before I found out about the mortgage forbearance which I then signed up for, however the mortgage forbearance now shows up as ND on my credit report. I tried a local credit union who denied me based on the late payments. I am currently working with AmeriSave but they are saying that the ND on my credit report have to be explained. I contacted my current mortgage lender to request documents for that but I don't know how long that will take. Any advice on what else I can do in this situation?

So I've had Embrace for a year now, and just discovered my monthly rate went up a whopping 40%. So I called them, and they said they raise rates for ALL policy holders on average 25-35% every single year. Ive had no claims. No changes in anything whatsoever. My dog is only 1 year older, now years old. There have been no changes in my state, and they can't attribute it to inflation. So screw that. I don't see how thats even legal to raise that much each year. That means in 4 years, I'd be paying more for mediocre pet insurance on 1 dog, than I pay for all of my insurances combined.

I’ve tried meds and special bland food and the dog is still scratching excessively. I got a quote for testing at like $1500 plus a $300 consultation fee. Was wondering if anyone knows if this is covered. When I called nationwide they were very vague, saying it depends and they can’t guarantee if it’s covered. Smh

Okay so my cat is almost 2 yo and has no pre-existing conditions, has a primary vet, and is not spayed yet (Plan to, very soon!) I’m looking for a good insurance that covers wellness (mostly blood test and spaying cost?) for the first year and accident&illness for the following years. I have gotten some quotes and is eyeing Odie and MetLife for that, but every insurance seems to have bad reviews, or some would even call them scams. Please provide me some experiences/takes on the insurance you use for your cat, thanks in advance!! This could be really helpful for me ;)) P.S. the reason I want a wellness plan to cover spaying is because there’s no shelter/low cost spaying availability around me and I want to be consistent with my vet :,) my cat went into heat last week and I don’t want this to come back again so really wanna do it sooner.

I purchased Lemonade insurance for my mother’s dog last year because she thought he was having seizures. However he wasn’t. I put his age as the same as my dog. Because that is what I truly thought it was and he’s actually 8. Back story we “inherited” him and really didn’t know his age so truly was a guess. Anyways fast forward to this past week. He became very ill and has had to spend the last 3+days in the emergency vet cost approx 7k and now I’m have a full blown panic that because the ages don’t align they going to completely null and void my policy and not cover any of his medical bills

Please don't fall for them . They are a scam . Besides internist personally writing to them that my cats who (needed biopsy )condition was not pre-existing sending 2 years of medical records calling emailing speaking with several people who barely know what their doing they denied my claim. Don't fall for their lying sales people . I report them to BBB I hope more people will ,Spot can't keep scamming people.

I adopted a cat just under a year ago now. She is a domestic shorthair and will be two years old this April. While she hasn’t had any major issues yet, I grew up with family pets and know it’s only a matter of time before I end up with a $1000+ vet bill. I’ve been looking at pet insurance companies and reviews and none of them seem good? Either everyone seems to have major complaints about every single one or their coverage is really weird. I’m still going to get one, especially since I believe my cat is starting to develop gingivitis and as far as I’m aware, it hasn’t been noted by the vet, so I’m hoping it won’t be counted as a pre-existing condition. I was originally interested in SPOT but then saw that a bunch of people said they were a scam, so I started looking into others. The top three I’ve been debating between: Fetch, trupanion, and nationwide. I really like the price and coverage of Fetch, but I’ve seen a mix of both bad and good reviews on them. If anyone has any good/bad experiences I’d appreciate it, especially with cost/coverage changing as your pet gets older. Then there’s trupanion, which I love that they claim to not increase the price as your pet gets older, but I’m unsure about their deductible since it’s per condition instead of annually. It seems great for pets that develop chronic conditions, but maybe not great for illnesses and accidents that I’m assuming would each fall under their own “condition” and thus leave you stuck paying the deductible every single time. If anyone can shed some light on this I’d appreciate it. Last, nationwide was recommended to me by my sisters friends. For around the same price as trupanion, their coverage includes additional things like dental cleaning, wellness, exam fees, etc. I’m just worried about the price hike that might occur as my cat gets older. Please give any recommendations and/or experiences, either with these three or with other insurances you’ve used ♥️

Hey all! Back in 09/03/2024 I had gotten into a car crash without insurance. I am a 20yo Corrections officer, and when the crash happened I hadn’t got my first check yet, so I didn’t have any money to get insurance then. The car in front of me ( a businesses car) slammed on their brakes going 50, and my bald tires slid my small civic into their bumper. We both got out, and inspected the damage, there was no dents, and barely a scratch on the other guys bumper. I told him I didn’t have insurance, and he said, it looks like nothing happened so he should be fine, but because of the crash detection he’d have to tell his boss about it. Ever since I haven’t gotten a single piece of mail, Email, etc, about the accident. Today I opened a piece of mail, that stated bell subrogation services were trying to get me to pay 2989$ for an accident that 100% didn’t cost that much to repair. What should I do? I know nothing about stuff like this and have well under 2989 in assets and cash on hand.

Hey everyone! I currently have metlife for my one dog and want to add my newly adopted dog. They tried selling me on their preventative but I feel like when I get a new quote on their site the information is different than what was being pushed to me over the phone. These are the pictures I have. She said that all my dogs flea and tick would be covered for the year after my deductible but if I'm reading this correctly I would only get a payout of $75 for the year. Is that correct? That doesn't seem worth it at all. Also, She was actually so pushy I'm also considering switching insurances completely.. I've looked into AKC, Spot, and embrace but I need one that covers potential foreign object ingestion and AKC only has once in a lifetime which to me is crazy. My pup picks up stuff on a walk, chews on sticks, etc I'm almost about to put a muzzle to be safe. Thankfully nothing bad so far, but after my aunts experience of her dog swallowing an Avocado pit I want to make sure I have one that covers this just in case.