**TL;DR - old dogs, medical history, am I stuck with my current insurer?** (that doesn't add any info to the title of the post but oh well. And yes this post is too long) I have two Portuguese Water Dogs, a [10 year old black curly male ](https://imgur.com/wFUAoUd)and an [8 year old brown curly female](https://imgur.com/xHxNAZn). As older purebred dogs, they've been to the vet once or twice ;-) [Besties](https://imgur.com/sPSnlRh) (and cousins) My dogs have been insured with the same company (H.P.) from as soon as they were eligible as puppies - 8 weeks plus the obligatory waiting period. I would love to be able to leave this company as they have become quite expensive, and their incompetence processing claims for us is truly staggering. They reflexively reject claims as "not covered office visit" when the claims are not for office visits. My dogs recently ate raisin bread (ugghhhh) and so there are a lot of vet bills and it's been three times now they've done the exact same rejection pattern - despite my calling in and saying "you've rejected correct claims before, can you please process these correctly". Apparently they can't. They are owned by a billion dollar company (Chubb) and I guess they need my money for the CEO's granddaughter's golf lessons or something. Maybe it's not intentionally trying to rip me off. But if that's not it then they've been unbelievably incompetent. Which is worse?? Of course I have no idea what the future holds for these dogs - whether they'll need care for preexisting conditions or not (or for something that the insurance **says** is a pre-existing condition.) The older boy had a mysterious illness as a puppy so that is in his record (though from another vet in another state, maybe it wouldn't ever be found); he's had positive Lyme titers on more than one occasion; and he had acute kidney injury (based on his creatinine) from the raisin incident that may or may not have resolved. The girl never showed abnormal values from the raisins but got IV fluid treatment so it's in her record. She also has been seen for recurrent UTIs that are controlled with special food that controls her urine pH. Backstory is We previously had two PWDs [D & B](https://imgur.com/WN920VF), ten years before D died of cancer and one of them ended up in the ER and as the result of a complete medical and administrative dumpster fire, we ended up spending low five figures to keep her alive AFTER the vet practice KNEW she was completely riddled with pancreatic cancer. (Dog medical stuff is no fun!) We had to take out a loan from one of those companies that has brochures on the reception desk of vets, plus put a lot on credit cards. :-( After that experience we resolved we'd insure our new dogs and went with HP because they had no lifetime limit, and we didn't want to have to make a dollar decision on a dog's life. Also at that time I don't think HP was owned by Chubb (?) They seemed like a small soulful outfit out of Seattle and genuinely wanted to provide a service to pet owners. I may be wrong about that though. At any rate Chubb owns them nowand probably the original owners are enjoying their retirement in a 7000 square foot mansion in Bali built entirely from reclaimed Indonesian teak temples. But I digress. So - I'm stuck with my existing insurance? Pre-existing conditions seem to be ixnay for the pet insurance industry (for reasons amply explained in this sub), and if there are any loopholes or allowances it seems like my dogs are exhibit A for not fitting through. Thoughts / insights / advice / comments on how cute my dogs are, much appreciated.

I got involved with them on my 18th birthday, which was in November. I left at the end of December and told them I was moving to Houston. I got the life insurance policy when I joined since it was required, and I canceled it yesterday. Today, I got a call from the agent who recruited me. I told him I couldn't talk, but he said the contract required me to keep the life insurance policy for 17 months. I hung up, blocked him, and called my cousin since he also joined at the beginning of 2024 (recruited by the same person) and left shortly after. He canceled his policy as well. I told him about the call, and he said the agent called him too when he canceled his policy, telling him the same thing. He told the agent he didn't want it, and the agent said he would be sent to collections or something like that. I don't know if that's true but I don't know what to do.

We first joined at around $30 but it is now $150 just 3 years later! While I appreciate that they respond through email, will make up reasons for care reimbursement rejection - and they don't seem to have a transparent appeal process!

Located in Oregon, USA Short Term Disability insurance related to parental leave I took parental leave from work in 2024. My job/company is entirely remote, so my employer uses a benefits manager, JW, for payroll and insurance, and a third party administrator, Sparrow, specifically to manage short- or long-term leave, kind of like a concierge service for employees (because rules vary significantly from state to state). I signed the things that Sparrow told me to sign. I was supposed to be paid from the state, from private STD, and topped up by my employer. I didn’t have a STD policy of my own; I was told that my employer took out a STD policy on its employees. Payments were confusing, delayed, and as a new parent I was not paying attention. I didn’t tally things up until recently to do my taxes. I’m missing a 1099 from STD so I called Sparrow, who said go to STD, who said go to JW, who said there was no STD policy for me… but if there was it should be in my W2. Taxes were withheld from STD so I said regardless of how we got here, I need an accurate W2, which is in the works. And it looks like I was overpaid by the STD amount. Lo and behold, today I got a call from the STD company saying my STD claim was denied and submitted for overpayment. I kinda laughed… I’d just been signing paperwork and living my life. How the heck did they approve and pay a claim on a policy that does’t exist? And why did Sparrow/JW request that money? And why was I told it was my company’s policy? So I told the STD company that they can recoup the money from one of the benefits managers. This strikes me as an unenforceable request for repayment from me, but I don’t know what I don’t know and would appreciate any insight about how to navigate this. Thanks in advance.

Almost two weeks ago, I (26M, Location: North Carolina) was the passenger in a car accident. My boyfriend's car got t-boned on my side, and he is definitely at fault. I got a pretty nasty bump on my head, which the PA at the urgent care later diagnosed as either a bad headache or a mild concussion. At first, I just had a dull headache that came and went, I'll now say I'm having migraines that are coming and going, and at their worst I want to lay down and do nothing. My parents want me to pursue legal action against the insurance. They think I should get head scans, and his insurance should cover it. I'm thinking maybe there's sort of aftercare or physical therapy that'd be possible. But I'm hesitant about suing my boyfriend's insurance. I imagine there would be negative consequences for him through them, which I wanted to avoid. I wish the headaches were getting better, but they're not--if anything they're getting worse. He's also not happy with the way the insurance conducted the afternath of the accident. Evidently they listed his car on the auctioneer's site before telling him the damage (he's since taken the car back and the listing was taken down). He planned on suing the insurance company, but he consulted a lawyer who told him he doesn't have a case. When I told him about my legal options, he said his insurance is shady and he'd pay for expenses without going through them. That, at this point, seems like it could be way too costly when it's all said and done. Meanwhile, the insurance company has contacted me and they're asking questions about lost wages and whatnot. I've told them I'm having headaches. So what are my options? How bad would this be for my boyfriend? What would you recommend in this spot?

I had previously had Geico insurance. I thought I was paying for collision coverage until I backed into a pole and made a claim and they said otherwise. So I proceeded to drop them and get Progressive. It's been, let's say a year since then and I haven't fixed the damage to my truck because I figured I couldn't make a claim to fix damages my vehicle had BEFORE I started my policy. Anyway two days ago my sister backed into a pole and it seemingly did no damage, then when I came out of work today I saw that the plastic cover of my bumper had completely fallen off. Can I make a claim to have my bumper fixed? I'm sorry if this is a stupid question or if I've done LITERALLY everything wrong.

I live in a condo in Los Angeles. My unit had a leak that caused some damage in a neighbor's unit, but when I filed the claim with my HO6 insurance, they found me "not negligent" and so "not liable." It took a while, but I eventually got paid to fix the issue on my end—but my neighbor was left to fix their damages through their insurance. Of course, they're now threatening to sue. I understand that my insurance will defend me should there be a suit (they confirmed that I have coverage, but they won't pay because I'm not liable). My concern is that they sent me a non-renewal notice over this claim. My policy will expire in two months. This means the claim needs to be closed so I can shop and secure a new provider... So, what happens if the lawsuit comes after the claim closes and I'm insured somewhere else? Who takes care of the lawsuit then? Am I being screwed over somehow by my current insurer right now? I mean, the non-renewal surely felt so, but if I'm going to be left to handle a potential lawsuit by myself, I don't know what I'll do. :-( Thoughts?

Hello all, I am desperately trying to find health insurance coverage for my pregnant wife. She graduated college in December and went from a CNA to an RN with a start date of March 10th. Her HR told her that she would have a new open enrollment and that she could let her coverage lapse and gain new coverage when she started as an RN. This was before we knew she was pregnant and we were going abroad for a while and so we did not renew the insurance for 2025 thinking that we would just start it again in March. We thought that because she was still employed, there wouldn't be a waiting period for when she got her coverage but we found out today that she won't be covered until June. She is due in August so we definitely need tests done before June. We got denied on Pennie for a qualifying event (PA marketplace), short-term policies don't cover pregnancy, and I am under my mom's coverage so I don't have a policy she could come to. Please, if anyone has any insight into this, PLEASE help!

I'm 34 F. I've had a Care Credit account for several years now. I use it for medical expenses and vet bills. I always pay it off early with the no interest promotional financing and it had a limit of $7,000. Today I got a notification from Credit Karma that my score had changed. I checked it out and it was due to my Care Credit limit being slashed to $1,124 dollars? Why? I have a good credit score? I pay my bill on time or early? I called to get the limit back up and I was only approved for $3,000 and some change.

I am debating between nationwide and costco pet insurance for my new 8 month goldendoodle puppy. Figo is $40 cheaper than nationwide. Nationwide is $93 a month 80% coverage $250 deductible. Figo is $53 a month 80% coverage with $250 dedutlctable. i have had nationwide for my older dog who got chemo treatments and front leg amputated 3 years ago and they covered 90% with $250 deductible. I've had 90% coverage for 8 years untill 2 months ago. Nationwide sent me a letter saying they were cutting coverage from 90% to 50% for my 12 year old dog.