Hi, I just wanted to share my experience with Lemonade after having gone through cancer with my recently passed kitty, Tortilla, who was 6 years old both when we bought her plan and at the time of her passing. She had large cell GI lymphoma that suddenly appeared in early May. I got her plan (premium preventative care package, 100k spending limit, 90% reimbursement with $250 deductible, end of life coverage, dental disease coverage, vet visit fees). We had over 7K in vet bills, but lemonade actually covered around at least 6K I believe. I actually only got her a plan because one I somehow had a horrible feeling something terrible would happen to her (I hate and am grateful that I planned for that but I wish I had for no reason) and two because we had adopted a dog (her name is Lexie) who we bought insurance for too late and she had a million pre-existing conditions that basically rendered nothing covered for her. We wound up going the palliative care route, and unfortunately we didnt get much time I believe not even a month passed before she left us after her diagnosis. But, the bright side of this horrible experience was we were not saddled with thousands in debt since my family and I are not doing so well financially this year. They covered 6K of the treatment and diagnosis bills, and completely covered end of life fees and memorial items. I am so grateful I decided to buy her plan. Now, the negatives. Tortilla worked out great since she didn’t have a history of illness till the cancer and only had preventative vet visits in that history with no illnesses popping up. I will say, though, the approval waiting period was insanely long. Took like more than 2 weeks for reimbursement, but they did approve us for a crazy amount (at least to me). So if that’s important to anyone, keep in mind the bigger value claims take a longer time to get approved. With my dog Lexie, however, this did not work out as well… As a first time dog owner, I did not realize how many health issues a dog could have. My cat Tortilla came first, I’d had her for nearly 4 years (adopted her in Sept. 2020) at the time of getting my dog (April 2024). Tortilla was always healthy and vibrant, and while I wish I would have been more proactive with vet visits, I can’t change anything now. So, my mom and I decided to hold off on getting pet insurance for the first few months. Horrible mistake. My dog happened to have basically a weak weak stomach and everlasting GI issues causing behavioral issues (from pain) that are still unresolved to this day. She’s been in and out of 6 vets with over 13 visits since last year. I was only 19 during this and had no idea what to do and neither the idea to get pet insurance since I was so overwhelmed, and most of it fell on me since my family wanted to keep Lexie and I also didn’t have the heart to give her back to her rescue. So, I fought hard to get her diagnosed and treated, which I’m still fighting to today. But, now my mom and I have spent probably over 5K on her vet bills too (on top of Tortilla’s). I might as well have lit the money on fire that’s how helpful everything has been. So finally we got her insurance in early September, only after having her behavioral issues diagnosed. This was a horrible mistake on my end because now nothing was covered. So, long story short Lexie saw a million different vets (including a vet behaviorist) and absolutely everything I filed for was pre-existing and none of that 5K is covered. I don’t think this is all Lemonade’s fault or anything of the sort, it’s just an unfortunate situation because I was misguided and overwhelmed back then by both Lexie being a young puppy with behavioral issues and GI issues. Overall, I honestly would recommend Lemonade for anyone signing up a new, young pet or even an older pet with no pre-existing conditions. I’m not sure if I would recommend it over others, like PetsBest or Trupanion (although I have been seeing some pretty insane price spikes for others from Trupanion). I’m still weary but since they were so helpful with Tortilla (even if it took a bit) I decided to stick with them and signed up my two new kittens we adopted before she passed and made sure to sign them up early (3 weeks after adoption). I also would say a positive was how easy it was to file claims and speak with your claim rep. I don’t really like talking over the phone, so it was nice just talking via email, text, and the support center. It was also a very smooth process to file the claims, since everything is just in the app and you can customize the types of procedures and costs you’re inputting (there’s options to put general diseases already in their database while filing a claim but you can add custom text which I found helpful). So yeah. I honestly don’t know if the grass is greener for other companies, but I feel like most insurance companies are not exactly looking out for the pet or even human as their priority, and I feel Lemonade isn’t too too much like that. Hope this was helpful for anyone that read through all of it, thank you!! TLDR: Lemonade was very helpful for my cat with no illness history that contracted sudden cancer (reimbursed over 5K-6K). Not so helpful for my dog as she had pre-existing conditions so nothing was covered, but if anything new pops up it should be OK (she’s still a young dog). App is very navigable and easy to use, claim support staff is helpful and friendly, larger bill claims can take awhile to process though (took 2-3 weeks for Tortilla’s bills). Can’t really do phone calls, but I did prefer the email and text system (personally).

Gcredit 151 na utang Hello guys. Sobrang taas kasi ng penaalty na pinataw sakin ni Gcredit, napabayaan ko na din ilang buwan kasi nalimutan ko na meron pala akong existing na na-utang don i think mula sa pagloload lang. Nung binuksan ko, 1500 ung penalty pero yung utang ko is 151 lang huhu. Feeling ko sobra naman yung penalty at nagcontact ako sa customer service ni gcash at email ng collection pero wala reply sa email at sa help center is wala silang nagagawa. Parang ayoko bayaran dahil feeling ko excessive naman. Total is 1651 lahat from 151 na utang. I know na fault ko na hindi lagi nagchecheck ng accounts ko pero balak ko naman sana bayaran pero hindi sana ganiyan kalaking penalty na 10x sa loan ko. I did research and saw BSP Circular No. 1133, series of 2021 which is "A total cost cap of 100 percent of total amount borrowed (applying to all interest, other fees and charges, and penalties) regardless of time the loan has been outstanding." valid po ba ito kay gcredit? Should that mean na 151 lang din dapat ang max fee (penalties, service charge and interest) na babayaran ko with my loan totalling to 302 pesos max?

I’m confused and need some advice on my current situation. I was involved in a rear end accident, not at fault. Car is drivable with a minor dent in the trunk and paint chipped. The facts: - car is a 2014 Lexus es 350 - The person at fault has Liberty Mutual - initial estimate from their in network shop was $2100 - after they began working on it the supplement charges ended up close to $8700 after being in the shop for about a week and having a rental Today I got a call saying that the car was deemed total loss because cost to repair is over the 75% threshold. I still owe on it the car. What options do I have? Could I take it to another shop to get a lower estimate? There current labor charges were over $5k. I feel like as the victim of this I’m still getting the bad deal by not only losing my drivable car but also potentially paying out of pocket for the gap and rental. What should I do?

So the story goes: My friend in Texas totaled his car by hitting a mailbox. He has Gap insurance from the dealership, and auto insurance from progressive. Auto insurance agent told him they're going to pay the dealership instead of him. Can friend demand direct payment to himself, as the policyholder? Can his insurance just send the check somewhere else like that? The gap insurance should handle everything on the dealership side, so I don't know why his insurance company would be giving the dealership anything.

Just switched from Embrace Pawprotect to Trupanion... Can't seem to find an app for it in the google play store. What kind of insurance company doesn't have a mobile app in the year 2025? 😭

Hi there, I was in a car accident in DC that I believe was not my fault. I was attempting to turn left (had been sitting at a light for awhile). When the light turned yellow, it appeared clear and I began to turn. Out of nowhere, someone sped up and rammed into the driver side front corner of my car, going so fast he drove onto a curb, taking out a park bench, two small trees, and a trash can in the process. No airbags deployed on either car and no one was injured, luckily. Police came and we gave statements, but I got the police report back, which was rather sparse - there was nothing in the statement section, no one named at fault, and only a rudimentary sketch of the impact. Policeman told me he gave the other driver a ticket for running the light and failure to produce evidence of insurance. Since the other driver likely did not have insurance, I started a claim with mine. I have a solid policy through Travelers with uninsured motorist coverage, $500K bodily injury, $100K property damage limits. I just learned that he is now claiming he was injured (despite walking around fine, assuring me he and his passenger were totally fine that day), got a lawyer, and is saying I "T boned" him and am at fault. I did not -- his car was barely side swiped and the damage is due to him running over all of those objects. I also did not accept responsibility then or now, and I gave my statement to my adjuster. I've never been in an accident before, and now it seems it is his word against mine (to my knowledge the intersection did not have cameras). I guess it doesn't matter if it is determined to be my fault partially, or even wholly, because I am well insured either way. I just can't help but suspect he is trying to use my insurance to cover his own recklessness and failure to obtain insurance. Does anyone have experience with Travelers in a situation like this? I know at a certain amount they are likely to settle, but it doesn't sit right with me that this dude is likely to get a payout that I am effectively covering for him (and my premium will also go up).

Location: Southern California, USA My roommate and I had a year fixed lease in a 2b/2b, ending summer 2025. A month ago I discovered a leak coming from the wall in my closet. Landlord brought plumbers to check it out, they opened the wall a bit and discovered cracked pipes. The next week I was asked to leave for 2 weeks for repairs, in which I used renters insurance to cover my hotel (waiting on reimbursement still, but it should be coming). After the 2 weeks, landlord couldn’t get a response from HOA on when the repair would be completed. Landlord suggested I break my lease and move since she wasn’t sure about the timeline (pipes only impacted my room, not my roommates). While trying to figure out my plans, she sent my roommate and I a text on Friday (3/28) afternoon that she is terminating our lease due to mold, and we need to be out by Wednesday (4/2) or sooner - she offered to reimburse March rent and give us $600 each for the inconvenience. Any advice on 1) is she allowed to do this and 2) how we can get more money or time? 2 business days is such short notice to make arrangements and the cost to move will be more than $600 TLDR: landlord terminated lease due to mold, have to be out in 2 business days. I haven’t been able to live there for all of March

I pay into a CalSavers account. I received an email five days ago saying: "per my request all correspondence will be sent to:" \[an email which is not mine\]. It looks like a scammer domain. I don't remember registering to access the account on the CalSavers website, though I may have during the enrollment process when I started the job. Either way, I can't access the account as it doesn't recognize the email I would have used. Is it possible someone has stolen the money by transferring it out of my account? I don't imagine scammers would waste time as soon as they have access... I can't call CalSavers until their office opens tomorrow.

I have a question about prior authorization. I am trying to get one of the weight loss meds like wegovy, zepbound etc. I had several appts with my primary care Dr and she informed me she would try but that most likely insurance wouldn't cover it. The Dr office called me today to tell me about bloodwork, etc and informed me I should call my insurance provider and ask if it would be covered. I did that, with blue cross blue shield, and the lady on the phone was extremely helpful. She informed me ozempic and something else wouldn't be covered but wegovy and zepbound are and she would need prior authorization. She put me on hold to call my Dr, then when she got back on the line she said the Dr would not do prior authorization. She also informed me I should find a new Doc because your Dr is supposed to help you. My question is why would my Dr then deny it after asking me to call and see if it's covered and it was? I'm just confused. Thank you for any insight.

Hello. I have mapfre insurance. I had a minor accident 2 weeks ago and submitted a claim on March 27th. They had me take pics of the damage(front bumper damage) I got my estimate from their electronic appraisal. I dropped off the car at an in network shop on Sunday, March 31st. That Monday the shop submitted a supplemental appraisal to have someone to check the car to approve more funds to get the car fixed from insurance. Since then there has not been an appraiser to come check my car at the shop. It’s been a week and it’s beginning to get frustrating. I was told many different stories on when an appraiser will come up until on Thursday an appraiser told me there was an issue in their system that prevented them from assigning an appraiser. I was told this past Friday that one has been assigned and will call the shop to schedule an appointment. The damage is minimal and the shop can fix the car in 2 days but can’t proceed without insurance. What are my options to make sure they have someone come on Monday? I’ve been without a car for a week and it’s been difficult to get around. Would love some advice on this issue!