What are y’all thinking of doing- keep Healthy Paws for now if your premium hasn’t yet increased or cancel it now before you continue to give them money each month and they have a chance to ridiculously raise your premium in a year or two? I’ve had them as an insurer for two years. My golden retriever just turned 7. I know, these pet insurance companies get you bc it’s so hard to get new insurance for older dogs. I’m hesitant to continue giving a company my money if they treat their clients this way. The amount of premiums I’ve seen posted here in recent months is alarming.

I was rear ended by a driver with an out of state license, but his truck is registered in this state (Texas), he seemed to be a shady individual as well to me when dealing with him. The police came and wrote a report but it didn’t technically put him at fault even though he rear ended me. I did however get him on video admitting he was at fault. I filed the claim with his insurance, but it was a slow response from them. I went ahead and filed with mine to get the ball rolling because I needed to get it fixed. Well turns out that was a good move because come to find out he wasn’t covered by his insurance company at the time. So basically he got away with having no insurance when the police arrived because he had a paper saying he did. My question is now that my truck is fixed and back to normal, I received a diminution in value evaluation form from my insurance company for me to fill out. Is this to provide a compensation due to my truck now losing some value to the accident? It had never been in an accident previously so what can I expect towards compensation based on the value of the truck. Its KBB value ranges from $15-$19k. It’s in excellent condition though. How would diminution work according to that? Will my insurance company send me a check or something? Also on a side note, can I contact the police to inform them that his insurance company called me and said that he was not covered at the time? Could they pursue a ticket to him even though he has an out of state license?

Hi All, I’m here to both give a review and also ask a question. I’ve had lemonade insurance (wellness + accidental coverage) for about a year & 5 months now. At first, I really enjoyed it and didn’t have any issues with them, now I wouldn’t recommend if you have a pet that is known to get into incidents. I adopted my dog from a previous family who conveniently excluded his PICA issue. He is a 3 year old cavapoo who is notorious for taking anything he can get his hands on (socks, underwear, hygienic products, etc) and swallowing it. He’s had 2 surgeries (1 in March of 2024, and another in June of 2024). His first surgery was pre-policy and he was not insured with Lemonade. His second one I did receive reimbursement. We recently just went through another scare now in July 2025 (we have a behavior consult soon and take serious precautions, he is just VERY VERY sneaky) but thankfully, he was only hospitalized with fluids and passed the clothing in his stool, NO surgery was performed. Now, Lemonade is denying my claim to cover the costs of hospitalization due to “Foreign material ingestion being determined to be a Recurring Condition, which is not covered under this policy.” I reread my policy, and this is the exact language on it: “Conditions arising from a repetitive and specific activity that leads to decontamination (i.e., the induction of vomiting, stomach pumping, or treatment with charcoal), medical, or surgical treatment of your pet, if the same or a similar activity occurred two times within 18 months prior to the treatment date.” I’d like to add the claims specialist also got his medical records incorrect in her summary and argued that the decision was also based on the surgery that happened in March BEFORE my coverage took place. I got her on the phone and corrected her inaccuracies, but she is saying based on the recurrent conditions definition, those 2 incidents (March 2024 and June 2024) fall under the “18 months prior to treatment date.” From my understanding and the actual explicit language of the policy, how can the March 2024 surgery be considered if it predates coverage and there’s no legal language stating that pre-policy incidents are included?? Am I crazy or should I escalate this with DFS??, I am in NYC. Any lawyers’ thoughts welcomed!!

Due to a pipe backing up, and magically fixing itself, our house flooded. We have been out of our house since the beginning of February. We have ASI thru progressive. Our insurance adjuster said he was going to pay the company directly for mitigation, and then send us a check so we could pay the company for restoration. We have been waiting for weeks on when and how much they are going to pay us. The only time I hear from our adjuster is when I call to let him know that our hotel stay needs to be extended. I’m trying to be patient, but I’ve been trying to reach out and can’t get in touch with him and his voicemail is full. We are living in a hotel with two dogs, and a cat. Our dogs are stressed, and ill, they have been to the vet for this. One is actually there now. We are eating fast food every night, and I just REALLY want to be home. I need to know how much they are paying so I know how much to pull out of our 401k to replace the deductible and appreciation (?), and this process takes time. I have tried to view the claim online and nothing comes up when I put in the information. What do I do from here? I want to be HOME. THANKS!

My husband and I are working through paying off our debt. I have a personal loan through OneMain we are wanting to pay off ASAP I got a payoff last week good through tomorrow, but then on Monday I called in and canceled the optional product of Credit Insurance and Disability Insurance. The issue is, the cancelation of those products applied to the overall balance that includes pre-calculated interest, but it did not come off of the payoff amount. I called customer service and they said the payoff amount is basically already assuming the cancelation of those optional products. Does that sound right?

So recently someone backed into me at the parking lot and damaged the front of my car. We exchanged information etc and the person initially was thinking to settle it without involving insurance. I was fine with this and reached out to a few places, but most say it is hard to determine the total damage without doing a full diagnostics because there are many sensors/cameras/lights in that area. Only 1 place gave me a preliminary estimate after looking at the damage. We then decided to get insurance involved. His insurance assumed full liability and send out a person to estimate the damage visually. The estimate is quite low, lower than the place who gave me an estimate directly. They said I would need to take my car to a shop that is willing to work with their rate. If additional damage is determined, then the shop would work with the insurance company for any additional costs. During this whole process, I feel like the other person's insurance treats me like I am trying to scam them. I asked what if the shop dong want to fix the car because the insurance estimate is too low, and they said that I would have to pay for the different if the shop is not willing to work with their rate. So now I am wondering if it makes sense if I reach out to my insurance company and report this incident, would they deal with the other person's insurance instead of me dealing with it directly? Thank you.

When the adjuster was going over the fact that their car was going to be a total loss, a 2022 Kia Sorento, that they were valuing at $34,000, $9000 over my limit. I hit them doing like 7 miles an hour, but it must have done frame damage... I just didn't see them, and t-boned them as they were making a left turn, while I was trying to make a left turn. They told me that they were going to have them file a claim against their own insurance, and its "progressive versus progressive; so, it's not like they're going to fight it", and to not worry about it. I'm not about to get blindsided with a $9,000 past due bill after being told to, "not worry about it", am I?

So I just got a 37% increase this year and this is now a 77% over two years. Based on the cost increases in my area for Vet care. This is what they said: We recently reviewed the data for similar pets in your area, and we found that the average cost and use of veterinary care has increased. To ensure that Geena always has access to the best veterinary care possible, we’ll be changing Geena's monthly cost from $302.79 to $413.04 starting on August 17, 2025. Trupanion is unique in that we never increase your monthly cost because you’ve submitted an invoice or because your pet ages. When I called them they said there are many factors that go into this cost one of them is the increased cost of vet care for an older dog. So they do not increase for cost because your dog is older but they do increase your cost because and older dog vet cost are higher. Don't you love insurance companies!!!!!!!!!!!!!!

I was rear ended last week. The dude gave me his info, and we both talked with my insurance company and decided to file a claim through his insurance (State Farm). During the phone call he talked about damages to our vehicles. Earlier this week, state farm called and said he denied his car making contact with my car, and they are investigating this. I have some pics of my cars damage, some pics of his insurance info and his id taken at the scene. What’s my best move here? It just seems kinda absurd because why would he give me his insurance info and let me take a picture of his id if there was no contact? Also, his car has no damage because he has a metal front bumper. My cars rear bumper cracked.

I've posted about my claim before. Insurance company low balled me on the settlement for my stolen car. Offered me 23k total I didn't agree, they didn't want to negotiate and told me to invoke appraisal clause. They rep calls we over a week later and told me good news their appraiser came up with 26k and something. Told me I don't have to get an appraiser anymore. Sounded good to me. Next day I get a call, they made a mistake and weren't supposed to tell me that amount since that's the amount their appraiser came up with for when I actually invoke the appraisal clause. I'm confused so I have two questions: Can they legally backtrack like that after they already told me I didn't have to get an appraiser and the amount they were at? And also, technically if I get an appraiser he or she should be able to get me more than their estimate right?