Hey everyone! Fetch just sent us our plan renewal and it's quite a bit higher this year. I'm looking to switch while my dog still is quite healthy. She's a 9 year old scrappy terrier mix, and has one pre-existing condition of a femoral head removal before I got her (which was pre-existing for her current policy as well). She's also broken several teeth over the course of several years, which was covered with Fetch, but I'm worried it might not be with other companies (even though those were accidents and not conditions). Is it worth it to switch at this point? I'm seeing some decent slightly lower quotes at Lemonade, Pets Best, and Embrace. But basically every company out there has a post on here bemoaning said company as a "scam." I'm looking for accident and injury coverage with a high max payout of $15,000 or more, deductible of $250-500, and no add ons.

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.

Basically was hit by one of their insurer. They never paid for an extension for the rental, I’m trying to get it to me but now my adjuster has been changed and never got back to me. Did a dismissed claim and it’s been 3 weeks now and I never got anything back. For the rental, they’ve been trying to wire but never went through. Now the other adjuster has to call me and never has in 4 business days. Is USAA this terrible

I have been paying for Embrace Pet Insurance for nearly a year. I submitted a claim recently and apparently I was supposed to get my dogs an exam BEFORE the policy began. The dogs had an exam 16 days after the policy began. Now they are refusing to pay claims despite the fact that they happily took my money for the last year. These people are scammers. Beware!

I had surgery on May 8th. At that point, I had not yet met my deductible or out of pocket max. I was told that I would owe $3,500. $150 to go towards my deductible and the remaining going towards everything else. I paid them $2000 as a deposit before the surgery leaving me with a balance of $1,500. I was told at that time that as long as everything was covered by my insurance. If at any point I met my max out of pocket, that I shouldn’t owe the hospital any more money, even if there was still a balance remaining. I also had another surgery on May 12th. I knew that between both surgeries, I would cover my out of pocket max for my insurance. I got two bills in the mail about a month later one for the first hospital for $1,500 and one for the second for about $2,000 I called my insurance and explained that I met my max out of pocket so I shouldn’t owe anything. They said they submitted claims to both hospitals and that it should be taken care of. I was still receiving bills for both hospitals so I called my insurance again and they said that the second surgery was covered and the claim was being finalized but that they weren’t seeing anything for the first surgery as far as claims go and that I needed to contact the hospital and have them give my insurance a call. I contacted the hospital and they said they would not contact my insurance because everything looks right on their end and that my insurance needs to contact them. I have since contacted both my insurance and the hospital and they are saying that the other needs to be the one to call and that “we don’t call them, they need to call us.” The only thing is that the hospital suggested that maybe I put them on a 3 way call. Anyone who knows about insurance and what I should do, please help. Also I’m sorry this is so long 😅

Hi! Thought id share my experience with my cat! He is 4yr - i have had Trupanion since i adopted him a year+ ago. He had no pre-existing conditions. I specifically asked agent of dental was covered and they said yes. He has been to the vet a couple times - first time visit, ear infection, worms from new kitten we got, etc. The vet has briefly checked his teeth previously and said a little tartar but overall healthy gums. Friend got a new cat so was asking about my policy - reading the “fine print” is that dental doesn’t kick in until first post-insurance dental/oral examination. I immediately emailed and asked that his dental coverage has kicked in - they said no because they have no notes from vet. I said she probably didn’t note because there was nothing of note…asked if i got her to confirm they could put into effect retroactively. They said yes. Vet sent over full records to them - vet “briefly” checked mouth with said assessment on 12/11/24. They said it will take a couple days to process but will get back to me. Still waiting and can update but wanted to just flag!!! I also checked because he may have some mouth issues that i flagged to vet a couple weeks ago (still undetermined) but glad i did because i could see their potential denial saying “he didn’t have an oral exam prior blah blah blah.” Anyway TLDR - check the fine print!! They are so sneaky and if they fight me on this i will probably cancel.

So Lemonade had me take some house photographs and asked some questions as we’re approaching the first renewal of our home insurance. Separately, we had some hail storms and our roof got beat up. I had a roofer take a look and he said the roof is a bit old (the pictures he took supported that) and it has impact damage. Well as I’m researching my options, Lemonade says they are dropping us because we have a tree that is close to the house, it’s a small one, and our sewer line is cast iron under the house. Since the hail damage occurred under the Lemonade insurance, is it worth trying to file a claim before they drop me? Will it make it harder for me to find insurance? I imagine a damaged roof is harder to insure than a new one but I’m not sure

I was in a car accident a couple weeks ago and didn’t suffer any major injuries besides a bumping my head and some headaches which have subsided. I didn’t go to the hospital or anything and was called today by progressive and was told they typically don’t give payouts if you don’t go to the doctors but because of the headaches I was having offered me $500 and I accepted it over the phone. I was sent a release email for my signature but haven’t signed yet. I know nothing about how this stuff works, should I just take the money? Could I have gotten more if I would’ve said “idk” over the phone? One friend said they could get me a lawyer pro bono but idk if that would be worth it.

Hi guys ! I'm considering switching pet insurance plans for my 6 year old mini Aussie. I currently have MetLife Pet Illness and Injury, but with one minor shoulder injury - maxed out my benefits after one visit. As my baby gets older - I want to make sure I have the best coverage for him - especially with ortho treatments ( ie. PRP injections) Any Recommendations would be very appreciated !