Hello! I have a 4 year old dog and I am looking to change my policy from healthy paws. I think they're great but I hate that I have to pay for yearly vaccinations/checkups and dont get re imbursed. Any recommendations for a good insurance that has a low deductible and will reimburse annual exams which include vaccinations, possible dental care and flea meds? Thanks in advance!

I was part of a bulk submission of cards. We insured them for shipping with FedEx for $26,000. FedEx deliver the box but it was kind of damaged. PSA signed for the box then decided that they were gonna refuse delivery and return to sender. PSA just then lost the box. PSA is taking responsibility but offering a low ball replacement value to people. For example, I had vintage cards and I've done the insurance about $200 and they are offering $10 a card. Is there any recourse?

I’m getting fed up with navigating these PPO plans. 3 tiers in network, out of network. Lab fees from pcps being sent out of network and charged outrageous amounts specialty providers working out of our primary hospital apparently “not covered”. I know there are others on here with worse situations. Surely there has to be a health insurance negotiator/broker that will help correct and track these charges to make sure we’re not getting wrecked by these incorrect charges. Something like a rocket money that will work through the fine print in the insurance contract and make sure we’re not being overcharged. I’m here for all the suggestions. We use Ascension smarthealth for reference and if you’re curious about it, stay away.

So I filed a claim with **Esurance** because my **rear porch shifted**, which is obviously a safety issue. I was hoping they'd help cover the repair costs — after all, that's what insurance is for, right? Instead, these snakes not only **denied the claim**, they turned around and **called the Village of Skokie** on me. Next thing I know, I get a **final notice from the city** saying I'm in violation and have to fix my porch or face a hearing. Let that sink in: **I went to my insurer for help. They ratted me out to the city.** Now I’m stuck with: * Full repair costs out of pocket * A city deadline to fix everything * No help from the company I’ve been paying for years Just a warning to others: Esurance will happily take your premiums, but if you ever need help, they’ll throw you under the bus and add more stress to your life. **Avoid them.** Has anyone else had them pull shady stuff like this?

I was involved in a motor vehicle accident where I hit two other vehicles at an intersection. I live in an “At fault” state and both of the other drivers told the Peace officer that I ran the red light. The officer gave me a citation for running a red light which I will be contesting in court. I gave the officer my proof of insurance card which was expired. Here’s where it gets interesting. The next day I contacted State Farm. State Farm told me that my insurance policy was canceled more than six months ago due to lack of payment. MY HEART SUNK. I canceled my credit card which was on an automatic payment cycle with them. They denied the claim as to be expected. However, I have insurance through Progressive on a secondary car that I literally NEVER DRIVE. But I have full liability coverage through them on a secondary car. My question. Will progressive cover the cost of the accident even if the truck was not on the policy? Will the other insurance companies go after progressive? Would progressive rather cover the cost upfront rather than go into litigation?

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

My husband has a herniated disc and possibly arthritis, and we’ve been putting off going to the doctor because we’re confused and stressed about what our insurance (Cigna Wellfleet Student) will actually cover. We’re in Rhode Island. From what we can see, the MRI isn’t fully covered under our plan, and possibly other services aren’t either. A regular doctor visit would cost us about $50 out-of-pocket (not sure about the exact term), which isn’t awful, but feels kind of pointless if we can’t afford to get the necessary tests like MRIs anyway. What’s really throwing us off is that a friend of ours, another student with the *same exact plan*, broke their foot, went to the ER, got an MRI and whatever else was needed, and only ended up paying $100 for the ER visit. That’s it. We’re super confused. We’re also hesitant to call the insurance company because we’re scared they’ll be vague or misleading on purpose, or try to hide what’s actually covered to benefit themselves. We feel really stuck and just want to make the best decision for his health without going broke. Has anyone had experience with Cigna Wellfleet Student plans, especially in RI? Any advice on how to navigate this or what we can do to get clearer answers?

I own a condo, which I reside in. The unit directly above me is a rental property. So, a pipe was leaking from the unit above me. HOA says the upstairs unit is fully responsible for any costs incurred in repairing the pipe and restoring my bathroom due to the water damage it caused. The breakdown in cost for my Master Bath is as follows: \*Demolition:   $2,879.00 (already completed) \*Remodeling:  $4,554.39 TOTAL COST:   $7,433.39 The upstairs neighbor’s insurance company, Farmers, just paid me a total of $5,570.51 to cover all costs associated with the completed demolition and for the not-yet-started remodeling. That leaves a shortfall of $1,862.88 to make my bathroom “whole” again. Farmers explained that there is depreciation. My condo was built in 1986. I believe the bulk of the cost associated with restoring my bathroom is labor. Not the materials. Right? Since you can't depreciate labor costs, how can the insurance company justify paying out a significant amount less than what is needed to return my bathroom to the condition it was in before the water damage? For example, one item on the list the contractor submitted to the insurance estimate was $290 to hook the toilet back up and reset it. I asked the contractor how much the cost would be for the material to do that. He said all it takes is some wax. I asked him for a breakdown of material costs vs labor costs, and he said he can't come up with that because it's complicated, and the computer spits out the pricing already bundled together. This is my first time buying a place to live. So, I am not as familiar with all of this, and if I am being denied something I am entitled to from the upstairs owner's insurance. Here is a summary of what the General Contractor submitted to Farmers: Recap by Category O&P Items Total % CABINETRY 710.40 15.60% CLEANING 158.33 3.48% GENERAL DEMOLITION 182.82 4.01% DRYWALL 732.75 16.09% ELECTRICAL 214.02 4.70% FINISH CARPENTRY / TRIMWORK 280.02 6.15% HEAT, VENT & AIR CONDITIONING 13.28 0.29% INSULATION 49.76 1.09% LIGHT FIXTURES 58.29 1.28% MIRRORS & SHOWER DOORS 191.83 4.21% PLUMBING 581.01 12.76% PAINTING 564.27 12.39% O&P Items Subtotal 3,736.78 82.05% Material Sales Tax 58.47 1.28% Overhead 379.57 8.33% Profit 379.57 8.33% Total 4,554.39 100.00% Should Farmers have to pay the full amount to restore the bathroom to its original state? If not, how do I go about getting the remaining amount if I am not responsible for costs?

My parents applied for health insurance through Maryland Health Connection, and were told they were eligible for an advanced premium tax credit. Now that they are doing their taxes, it appears that there was a large overestimation of the amount on the premium tax credit they were eligible for, resulting in them owing about $15,000 in taxes. If this is the fault of Maryland Health Connections for overestimating the amount on the premium tax credit they were eligible for, is there anything that can be done about this?

In May, I rearended another vehicle. My fault, I'm a dumbass. The damage was to my left front bumper, which was pushed back into the tire, the left front fender, and left headlamp. At the scene, the truck was not drivable due to the bumper being pushed into the tire, so I called a tow truck. The tow driver showed up and offered that rather than towing, he could hook his winch to the front bumper and pull it out to make the truck drivable again. I was good with that plan and it saved money for the insurance company on the tow bill. A couple days later, I take the truck to the insurance company's DRP shop. I told them all of the above. A couple weeks go by, I go to pick the truck up. They fixed everything EXCEPT the left fender, saying that the damage was unrelated due to a "soft impact". No one from the insurance company ever called to discuss. In reality, the fender looked dented in from partial reformation when the bumper was winched out. But again, no one ever called for the partial denial of damages and just left it to the body shop to tell me. So I filed a DOI complaint citing the lack of investigation by the adjuster. The DOI rep never called me but closed the case, stating that the insurance company did nothing wrong. The DOI letter cited the appraisal clause in the policy, however, at this point I'm more angry about the lack of communication and investigation by the adjuster as it was very shoddy and incomplete work. I also don't think hiring an appraiser would be particularly effective in arguing related damages (but maybe I'm wrong?). I don't think I'm able to sue over damages due to the appraisa clause in the policy but would prefer to sue for bad faith. Or maybe I should just walk away and pay to have my fender repaired? Anyone have experience here or ideas on what I should do?