Hello, We've had Trupanion a few years and it's an excellent product; we don't appreciate the way their representatives do business at times. Is there another business doing coverage that pays vets directly, when going to a participating vet, for accidents? Trupanion doesn't cover wellness and that's fine. There are some in the UK, hopefully the states catches upR

Was hoping to get some insight before I call my agent. My $1 Million umbrella policy with State Farm has really gone up this past few years from $300 to over $1500 per year. So I started looking at it and saw the following: Automobile Liability: $500,000 Recreational Motor Vehicle Liability: $500,000 Personal Residential Liablility: $100,000 Watercraft Liability: $100,000 I don't know what a Recreational Motor Vehicle is. I have 2 cars used for commuting around town. I don't have an RV or Jeep for off-roading. So what good is that doing me? I don't have a watercraft. I consider watercraft to be a money pit and I'll never own one. I'm in Florida near the water, so maybe it's assumed I have a watercraft? I don't know. I feel like I'm paying for a bunch of insurance I don't need. Any advice would be appreciated.

Hi, I'm trying to reduce the chances that the insurance company not counting the copay card payments toward my deductible or out-of-pocket maximum. Does using their specialty pharmacy make that more likely? In other words, are they more likely to side with the insurance company? I'm with Anthem through the exchange, and their specialty pharmacy is Carelon. I read that accumulator programs have been banned in Nevada starting in 2025, but even the representative I spoke with at Carelon said that's not the case. thanks Matt

My dog just turned 8 and her insurance with pets best doubled. Where im at financially is not great, im just able to get by with my exisiting bills, part of why i have pet in isurance, for the chance something terrible happens like a broken tooth or torn tendon or whatever may happen. Shes healthy. Has allergies but theyre not on her med record as far as i know. I just am trying ti debate if i should set the money aside each month for an emergency fund for her, rather than pay the insurance fee. My fear is something qill happen before i have a good savings, though i usually try to have $1000 emegency money for pet or car stuff, im not quite there yet atm. I have decent credit so if something happe ef im sure i can do a payment plan of some sort. Idk im just wondering if its worth it anymore at the price theyre expecting. My 3 yo dog is clumsy as hell so im keeping his insurance. I just know theres going to be a day he falls the wrong way and tears a tendon or something hahaha! Any advice is really welcome, im just so broke these days and i really want to find the best option that ensures my pup can get the treatment she may need in an emergency.

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?

Hi, I am really lost and in need of advice. I was involved in an accident where my car had to be towed away (edit: to a combined autobody & tow shop). Because the airbag deployed, they were assuming it would be totaled, and Progressive said they were coming to pick it up to evaluate the damage themselves; not allowing the body shop to give an estimate. (edit: 2013 Kia Optima) I was told by Progressive that the driver at fault carried the minimum property damage allowed by the state of Maryland and he was "afraid we were nearing that limit since they paid $5,000 to get my car released from the tow lot." My car was there for 1 week (8-5 thru 8-12) and I released it to Progressive on (8-8), they just didn't pick it up until today, 8-12. I thought that was a crazy amount, so I called the tow yard(edit: combined tow yard/body shop). They claim Progressive did not pay them a dime. The body shop only received a check from a salvage company (which I didn't (at least knowingly) authorize, and they don't even have proof of the title in my name.) The tow yard (edit: combined tow yard/body shop) is claiming that even though they got a salvage check, that shouldn't affect the amount insurance should pay me. Does anyone have any additional information or advice? Is this just a "he said / she said" situation? TYIA!

Ok, progressive is sending me a massive rate hike for next month, and i've had it. I need the literal cheapest option, for insurance prices , here in CA. Its insane. I cant pay 1000 a year for a crappy car, so i need the affordable answer. Hope someone has answers out there. hope.

So I recently got in my second accident in 3 years. The first one was at fault in September 2022. This one was not at fault last month. I had just started a new policy with a new company, Traveler’s and they decided to drop me after the claim was closed. However it became a word vs word accident that was supposed to go to subrogation but since I was dropped it’s not anymore. So I had to get a new policy with Progressive which on their report they listed the accident as at fault. Is there anyway to try to change this? I know I wasn’t at fault and I think the photos of the accident help prove this. Edit: I’m in Georgia

So my employer recently enrolled us in the Unum dental PPO plan. I've been calling offices near me and no one seems to know what insurance plan this is. Unum confirmed with me over the phone these offices are in network and every single one of them are saying they don't accept the insurance because they haven't heard of it. My insurance card also doesn't mention DenteMax or Connection Dental, so it's through Unum itself.

Hello all, I am desperately trying to find health insurance coverage for my pregnant wife. She graduated college in December and went from a CNA to an RN with a start date of March 10th. Her HR told her that she would have a new open enrollment and that she could let her coverage lapse and gain new coverage when she started as an RN. This was before we knew she was pregnant and we were going abroad for a while and so we did not renew the insurance for 2025 thinking that we would just start it again in March. We thought that because she was still employed, there wouldn't be a waiting period for when she got her coverage but we found out today that she won't be covered until June. She is due in August so we definitely need tests done before June. We got denied on Pennie for a qualifying event (PA marketplace), short-term policies don't cover pregnancy, and I am under my mom's coverage so I don't have a policy she could come to. Please, if anyone has any insight into this, PLEASE help!