Hello, with Fetch. Monthly fee has gone up e up to $102.00 Canadian for 1 dog. Dog is 6 years old. We also have another fur baby. Does anyone have another Pet insurance company you can recommend/ please share your monthly amount.

Been with Healthy Paws for quite some time. They were great during the life of my senior dog that recently passed away. I have another senior dog whose rate just increased by an insane amount and have been debating whether or not I should keep paying it or just cancel and set that money aside. She does have pre existing conditions so unfortunately getting her on a different plan seems pointless. I have a 8 year old cat with no pre existing conditions and a 10 month old dog. I would like to have them on pet insurance but I feel like every company I research there are some good reviews and then horrible reviews. Is pet insurance even worth it anymore? Does anyone have any good companies they would recommend? Thanks.

Hey Reddit, I’m a 27-year-old male, single, no spouse or kids, living in Mississauga. I moved to Canada last year on PR, got my G license, and financed my first car (Honda Civic Hybrid 2025) in late November. I’ve had Wawanesa auto insurance ever since, paying $750/month through automatic withdrawal. Here’s the full picture:- I originally got this car not just for personal use, but also with the intention to do Uber Eats. I wanted to stay completely legit, so I was upfront with every insurance provider I contacted. They all told me that due to my lack of Canadian driving history, I wasn’t eligible for regular commercial insurance. So I went through a broker, and he found me a commercial policy with Wawanesa that would cover Uber driving. I also have a main job just 30 seconds walk from my house, and I have a couple of major licensing exams coming up, so Uber is going to take a backseat for the next few months anyway. That’s why I’m thinking of canceling my insurance or switching to a non-commercial plan, but here's the problem:- I’ve heard that canceling before the end of the term means Wawanesa could charge a short-rate cancellation fee, and someone said it might total around $3,600 upfront in my case since my policy started around November, 2024. I simply don’t have that kind of money in my account. If I don’t cancel, they’ll just take another $750 in the first week of April, as usual. Also worth noting:- I have a clean driving record since getting my G license here in Canada, except one camera ticket I got in Brampton for going 7-8 km/h over the limit. I’ve used TD Bank’s auto insurance calculator and it showed that I could probably get a non-commercial plan in the mid-$400s—which is way more reasonable. The broker who arranged my current plan hasn’t been very transparent & hasn't even been responding to my calls or texts recently, so I’m planning to contact Wawanesa directly when their office opens. So here are my questions while I lose sleep over this:- 1. Any preparation tips on what I should say or talk or do on my upcoming phone call with Wawanesa? (I'm completely new to all of this) 2. If I cancel now, will I still be charged the full $3,600 upfront? 3. Can I negotiate or pay the cancellation fee in installments? 4. If I do cancel, what should I look out for? 5. Is there any way to downgrade to a non-commercial plan instead of canceling altogether? 6. What would you do in my situation? Any personal experience with Wawanesa or brokers? I know I should probably just call Wawanesa and ask all this, and I will once they open. But since I can’t sleep and this is really stressing me out, I figured I’d toss it out to Reddit too. Appreciate any advice you all have. Thanks!

Me and my husband bought a house and got scammed into a home warranty with a company called home warranty services and Mepco in January of this year. Our bank flagged the first charge as fraud but we let it through and decided to go ahead and cancel I was reassured that it was done given a cancellation number and told that a cancellation letter would be on its way in the mail and through email (it never came)fast forward a month they didn't pull anything else from the account thankfully but I get bills and late payment calls saying my payment is late when I answered the calls I explained I canceled over a month ago was reassured by agents that it's over and just to ignore the calls because it's an AI... fast forward to now another month later I get another bill from Mepco and I sign into my account through them and it reads the policy is still active I've emailed home warranty services and plan on speaking to a manager tomorrow but I feel like an idiot for falling for this in the first place what are my next steps if they don't cancel it???

I just financed a truck about 3 weeks ago and the dealer approved me with a loan through Westlake financial, I didn’t know much about them but after searching them, people have negative reviews about them. Well now I’m thinking that if I refinance my car loan, would it still count as 1 hard inquiry since I’m still under the “checking best rates” Time frame. Or should I just wait a couple months and then refinance later

My 14 month old cat has been to the emergency vet twice since we adopted her a year ago. 8 weeks ago she went in for swallowing a button. She had been vomiting all day. Luckily it came out naturally after she spent the day hospitalized with an iv to hydrate her. Last week she started vomiting again. I’ve been traumatized but the fact that she swallowed a button, my best friend’s cat had to have surgery to removed a nerf ball, and my other best friend’s cat had to actually be put down for eating the rubber off of swimming goggles, he had other issues and they didn’t think he would survive the surgery. All this happened since my cat first went in 8 weeks ago. So I probably should have given my cat a few more hours to see if she would stop vomiting. Turns out she had suspected gastritis. Now I’m afraid that we will get dropped from Fetch insurance if I submit the last claim. Should I submit the claim? Will I get into trouble if I don’t submit it?

I purchased private health insurance through an agent with Freedom Life Insurance. I'm starting my own business so have to handle my own insurance. I got a Freedom plan that is supposed to give me 4 free doctors visits before deductibles/copays kick in, and somehow I'm paying more than my insurance every time. They only pay $100 per visit. I am livid that I'm spending almost $400/month for a policy that doesn't seem to pay anything!! What is the deal with this?? They only pay $100, the rest is on me. This is directly different than what I was told it would be, and there's no way for me to know what I'm going to be paying unless I get a full bill breakdown from each doctor beforehand which I have never in my life had to do. The plan is a United plan, yet my agent said these major doctors don't have a good contracted rate with United. HOW? United is universally accepted. Should I have my agent find me a different plan? Go back to Marketplace where they switch your plan every year? Where the heck does a person go to get health insurance that isn't rocket science, actually covers what it says it will cover, and doesn't change all the time? Does the plan I'm on even sound normal?

I've had a health insurance policy for my mother with ICICI Lombard since 2007. The recent premium was ₹70,000 (including GST) for a sum insured of ₹3 lakhs + ₹3 lakhs bonus, totaling ₹6 lakhs annually. For the past few years, I had been meaning to port the policy but never got around to it. This year, I finally managed to do it—moved to Care Insurance. The new plan offers ₹10 lakhs sum insured with a 50% increase each year, covers pre/post hospitalization, existing diseases, and even includes a few more benefits. And all this for a significantly better premium of 51000 (inclusive GST). After I initiated the port, I got a call from ICICI Lombard asking if I wanted to renew. I politely informed them that I had ported to Care. As expected, they started with the usual pitch about how ICICI is better than Care. When I still didn’t budge, the agent had the audacity to say: **“Lagta hai aap yeh premium afford nahi kar sakte.”** (Translation: *Looks like you can't afford this premium.*) Really? Is this how some insurance companies try to manipulate customers—by playing on their ego? Anyway, I'm glad I finally made the switch. ICICI may want to revisit how their customer support operates.

I've only had pet insurance for 1 year, through my work. I just received a letter stating that my policy is no longer available to me, but I can have their "My Pet Protection Choice" to continue coverage. The policy seems to cover less, and my premiums went up! The doodle (age 3) went from $218 to $458/year and the cavalier (almost 2) went from $270 to $781. The only thing I've filed was when my doodle had a bump in his ear, that healed on it's own, and my payment was just applied to the deductible. For my cavalier, she had a UTI. So, while I begin to shop around, anyone to consider? Or avoid? And how much do you typically pay in an annual premium? Maybe I just have sticker shock and these premiums are fair? Edit to include- this isn't a wellness plan, they cover 70%. Annual coverage for accidents is $5000, Illness $5000, Congenital and Hereditary $5000, Cruciate $5000, Rx foo $100, Behavioral $100

Hello, I have a few questions how to handle my PCP or Labcorp messing up with my insurance details. I had a bloodwork taken at my primary care and apparently they sent it to Labcorp. But Labcorp billed my insurance with the incorrect details apparently - my name and Member ID, group number are wrong. I got a mail in Feb asking for insurance details but the return address was not online on their website, so I thought it was phishing. I called the Billing department and asked them if they needed my insurance details, and they said "it is pending with insurance and there is nothing you have to do but wait". I don't have this call recorded. Today I got the invoice number and it says the below: "Reason for Bill: We attempted to file a claim with insurance. According to BLUES NJ: HORIZON BCBS, the patient name or subscriber number did not match their records. This balance is now the patient responsibility" I don't want this to impact my credit score but I don't want to pay $1000 since my PCP or they made mistake that I had nothing to do with. I will call them tomorrow morning but I have a few questions. 1. Since they dumped the responsibility on me, can I sort of force them to refile with insurance? What do I do if they refuse? 2. How long generally do I have to sort this out (not paying) so it doesn't impact me. Thank you for taking the time to read this. I'm just pretty pissed right now so apologies if I sound rude.