I guess I should have looked into this sooner, since I got the email from Manypets back at the end of December, but I forgot about it until now when I FINALLY got an email from Odie regarding the new policy which takes effect March 1st. I have been paying $34.12 a month for each of the last 3 years on a Golden Retriever since she was 3 months old with Manypets. $500 deductible and 90% reimbursement and unlimited annual. They say your rates will be the same with Odie as they would have been with Manypets, but the new premium is $50.15 for $500/90% AND I noticed that the annual max is no $20,000 instead of unlimited. I understand rates normally go up each year but this is nearly 50%. I have seen other posts about this so just wondering if you guys are sticking with Odie or finding another company. I still have not received the email regarding the whole policy so there may be more things I find missing. And if you did switch, do you know if the new companies normally waive the waiting period as long as you have had continuous coverage with another company?

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.

So, I’m planning on buying a Dalmatian puppy within the next few months and wanted to figure out which insurance I plan to go with before taking the puppy home. I’ve heard pretty good things about Lemonade, and they had a reasonable starting rate, but that went so high when I imput my information. It ended up being about $100/mo without add-ones such as dental or routine vet. Maybe I just don’t get insurance as I’m buying from a very good breeder who has heath testing/CHIC numbers, temperament tested parents, etc? I guess I’m just confused how a 3/mo old puppy of a breed that’s very healthy compared to a lot of breeds people have, can cost so much more than the base rate. This is my first time perusing insurance for a pet so forgive me if I’m missing something obvious here.

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 filed a renters theft claim through Allstate in September 2024. Our adjuster calls a couple of days later going over the process and the next steps. We’ve submitted the police report, receipts and a ton of pics. A different person who works with our adjuster calls and has us resubmit everything about 3 more times. We’re now 6 months into this claim and have heard from our adjuster other than that one time when they first called. The other woman, we haven’t heard from her since January. We have been trying to get ahold of both for months. I finally get a call last week saying they have everything they need and that our adjuster would call that same day. I got really excited hoping this nightmare with them was going to finally come to an end. Here we are a week later and not a word from either of them and now I’m pissed. I have been cordial this whole time and now I’m at the highest level of pissivity. At this point I’m losing my mind because why is this taking 6 months? Why is there no update? Why can’t I get and update or get ahold of my adjuster? Customer service refused to let me speak to the adjusters supervisor. What else can I do at this point?

I guess my dog just turned 8 according to the age on my Pets Best profile. My monthly premium was $43 and now my bill is $91?? i am newly graduated from my graduate program and going through job fluctuation... wondering if this is worth it given the steep increase in cost. she has been fairly healthy the 5 years i've had her. i've never actually used the insurance policy, i just like having it for my own sake lol because i've invested entirely too much of my own mental stability into this dumb little pitbull. i just did the full senior workup with bloodwork and urinalysis and they said she looks good. if anything dire happens i could borrow money from my family she is my only pet and technically i can afford having only one pet insurance policy. i like the reassurance of having the insurance and it was worth it for me at $43 but $91 has me rethinking

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.

I feel like this rate is insane for me being by myself 21 year old male in a brand new $50k plus Cadillac, I do need the snapshot through progressive (absolutely hate that) but I have been told my policy is half what it should be anywhere else. Clean record but why is my policy so low? I have average deductibles and had a third party review my account and said the coverage is right where it should be.

I have a somewhat unusual situation. I live in FL and my roof is 18 years old. I have been with Geico for 4 years and I recently got my PMI deleted and when I called the mortgage company they said oh we have this partnership with this broker and could get you a discounted policy. Great, did that, saved about $900 for the year, new policy started mid Jan. I told the broker about the roof and didn’t want to switch until they confirmed it was OK and he said yes. Well I just got a cancellation notice for 4/1 due to some broken shingles so will only be with them for 2.5 months unless I submit repairs. I actually already had a few roofers come out earlier in the year. I contacted them and everyone said the repair vs replacement timeline would be about the same. So, I signed a contract for a replacement and permits were submitted a few days ago. They are going to try to get it done before 4/1 but can’t guarantee it. I submitted my contract to the broker and asked for a 30-60 day extension for the cancellation. Seems to me that it would be better to keep the policy on a brand new roof and not refund me the yearly premium around 4/1 if they can wait a month or 2 but whatever. Here is my question. Should I start contacting other companies now? Do I have to disclose the cancellation notice? Will they take notice to the fact that I was with one company for years and this new company for ~2 months. I don’t have any insurance claims on anything in the past 2 decades and that is a database they can search, correct?