I’m bringing home a puppy in two weeks. This breed (golden retriever) is prone to cancer and foreign body ingestion. We also live in an area with a lot of Lyme disease and I heard the vaccine doesn’t always work, so I want insurance that covers things the dog is vaccinated against (because we can do our best but Lyme could still get us). Anyone have any recommendations? I’m overwhelmed with all the options. I don’t care about paying the vet directly. We don’t mind a higher deductible- we really just truly want catastrophic coverage like cancer or surgery. Dental problems (not cleaning but actual problems) would be good too but it’s not 100 percent necessary. No matter what option I start to go with when I look it up there seems to be problems. I’m leaning to Embrace because they would cover Lyme. Trupanion seems like the rates go too high over time. Healthy Paws won’t do Lyme. Lemonade seems like people don’t trust it.

Hi all, I recently moved, got a new gastroenterologist, and switched to Blue Cross Blue Shield insurance. I specifically went to the new doctor to get a prescription for Viberzi for my IBS. I've been on this medication for four years and knew the new insurance would require prior authorization. Long story short, my prior authorization was denied because the insurance company said my medical history wasn’t documented. I was confused since I had already submitted my past medical records to the new doctor. When I called the office to check, they told me they *can’t* include previous medical records because they were from before I became a patient there. They said they are going to submit it again and it will go to a peer-to-peer next. And I asked if the doctor will submit my medical history then. And they told me "He doesn't need to send your medical history. He's a physician." I’m really frustrated and not sure what to do next besides hoping the peer-to-peer thing works. Has anyone dealt with something similar? Can a doctor really not use past medical records for prior authorization? Any advice?

Has anyone had any luck getting Emblem HIP to cover prescription formula (Nutramigen) due to a baby’s milk allergy? Emblem is of course giving me the runaround

I’d like to know what insurance claims have been requested on a home I’m closing on. It just seems smart to understand what has occurred with this very large purchase I’m making. I asked my insurance company for this and they said they aren’t able to see that, which I know has to be a lie? Isn’t that the primary thing they look at when underwriting? Is there any way I can get this information?

So am I overpaying? Any recommendations on where to go? Nationwide increased my bill by a lot. Healthy dog.

My dog is 7, I've had her on Nationwide's comprehensive plan since she was 6 months old (they reimburse 90% for anything performed or prescribed by a vet after hitting $250 deductible), and of course I've heard the stories about older-ish pets on these old plans getting dropped without warning. I'm trying to prepare for us getting dropped, I'm just still very undecided as to our next best option. She has a history of bilateral ccl tears and we did tplo's on both legs. She will probably have arthritis because of this plus any potential hardware removal necessary (no problems so far, I just know it's a possibility). Besides that, she (knocking on all the wood) hasn't been diagnosed with any chronic conditions. I've been looking at AKC since they cover pre-existing after 365 days, and I want to get her signed up fairly quickly so we can start the clock on 365 days, plus I think I read that they don't take dogs on that plan 9yo and up. But even AKC's plan lacks a lot of the preventative coverage I have now, even with the add ons which do increase the premium quite a bit. I know i always have the option of putting my would-be premium into a hysa every month and just paying for everything myself. I'm just so scared of getting hit with bills that will outpace my savings. Has anyone else been in this situation and found a good alternative? I know I've been a little spoiled with nationwide, but I did sign her up early thinking I would have her covered for life. Thanks in advance!

Attaching the response(s) from Healthy Paws' CEO and team, including mine back. You can't make this stuff up.... Original context: Protected Since: 06/08/2011 • Current Monthly Premium: $431.58 • New Monthly Premium Starting in 63 Days: $1,207.12 Oh- and they limited comments on their Instagram after I have been posting this increase there too.

I might get flooded with 100 "No, why didn't you read the policy language" comments, but it's worth a shot! My partner and I have been with Trupanion for four years, and we have a love-hate relationship with it. (But it feels like that's common for most pet insurance providers -as with insurance in general). We have been fortunate to gain more financial stability in the past year and decided we wanted to add "Recovery Care" to our plan. This would raise our monthly premium from $145 to $190, but we decided it was worth it. However, when we reached out to Trupanion via online chat to add this coverage, they let us know that they have a policy that you cannot modify your policy \~at all\~ after 30 days of joining said policy. This is wild to me because financial circumstances change, and...why would they not want to get more money? Now I'm seriously considering changing providers. My question, before "jumping ship" from Trupanion is: has anyone gotten them to waiver on this policy? I'm also going to call their customer service line to see if I'd get more traction there compared to the online chat, but I thought I'd ask here too.

I recently had a life event (job) that allowed me to change my plan. I chose blue cross blue shield options, because the doctor I need to get a surgery from is in network with them! As of yesterday the hospital in Dallas is not in contract with blue health blue shield anymore.... would this be enough to qualify for another life changing event? This doctor is one of the few specialists that preform this micro nerve surgery. I heard soemtimes hospitals and insurance companies come to agreement and they will start accepting my insurnace again.

About a week ago, I was stopped in traffic when a woman rear-ended me. I won’t go into all the details, but she was a bit evasive at the scene. She did give me her insurance information, though. I only have liability coverage through my own policy, so I filed a third-party claim with hers. I called her insurance today, and they told me she hasn’t responded to their attempts to get her statement. The evidence is pretty clear - she had a license plate cover on the front of her car, and the text from it literally left an imprint, like a stamp, dead center on the rear bumper of my car. I really need my car, but my rear bumper is sagging, and I don’t think it’s safe to keep driving it like this. Based on her behavior at the scene and the fact that she’s now ghosting her insurance, I have a strong feeling she’s just going to keep evading responsibility. Given this, I’m wondering: is it okay if I pay out of pocket to fix my car now and then sue her in California small claims court to recover the cost? If so, what kind of evidence should I gather to make my case? For example, should I ask the auto body shop for a written statement detailing the damage and cost to repair? Thanks in advance.