I’ve had Pets Best for about a year now for my mixed breed pup (healthy overall, just minor stuff like an ear infection and some stomach issues). I’m paying around $60/month, and every claim I’ve submitted either got denied or barely paid anything. They called one thing a pre-existing condition when it wasn’t even diagnosed until after I signed up. Starting to feel like I’m wasting my money and might be better off just saving that monthly premium myself. Has anyone here actually had a dog insurance plan that helped when you needed it? Open to switching if there’s a better option but I’m kinda losing hope tbh.

(Head's up this is a long one) So, I recently got a letter in the mail saying I had a late payment for my healthcare premium although I've set up auto-pay and only recently got it reinstated in February. After calling customer support last Friday, they explained that after looking at it my old (terminated) account was still showing as active and was registering that I had been delinquent on those payments and that was the reason I had received the late payment notice. They told me I actually owed $0 and it was a system error. So, I went ahead and paid my rent early and put it out of my mind thinking it had been solved. WRONG! I then got a call yesterday saying that actually, "upon reviewing your account" I actually did in fact owe $999 by the end of the month or my account would be terminated. Is that not crazy? Are tIhey really that money hungry? I've filed a complaint with them but other than that, what else can I do? I'm considering just letting my account terminate, backpay for the one prescription I received and just starting new coverage next month but will that reflect poorly on me? I'm just not sure what else to do.

Seeking advice from folks involved in the auto insurance industry... A bit of background. We've been insured with State Farm continuously for over 30 years, getting both home and auto insurance from them. A couple of weeks ago we received a notice that they were dropping us from our auto coverage because there were 4 claims on our record: 1. An accident where my wife was at fault, where she hit a car in a parking lot. Our insurance ended up paying out about $3,000 for that accident (mostly to other driver.. very little damage to our car) 2. An accident where my 17 year old daughter rear-ended another car at low speed. There was minimal damage to the other vehicle (scratches on the bumper) but due to the age of the car my daughter was driving, the amount of damage to her car was high enough that the vehicle was totaled, and the insurance paid about $6k to us for the totaled vehicle. 3. My older daughter was riding her bike (pedaled bike, not a motorcycle) 4 years ago and was hit by a car who illegally ran a stop sign. The other driver was found to be fully at fault, and State Farm paid absolutely nothing for that claim to anyone. In Texas apparently anytime there is an accident with a bike and police are called, it gets reported to your insurance. 4. My older driver was riding her bike again 2 years ago and was again hit by a car who rear ended her as she was legally riding on a city street. Again, the other driver was found to be fully at fault, and State Farm paid absolutely nothing for that claim. State Farm said that those 4 accidents were enough to drop us from coverage. (Technically, it's a non-renew, when our policy ends in about 3 weeks.) While I personally strongly disagree with them considering the 2 bike accidents, their representative told me that they are within their rights to do so, and that they have indeed done so, and that "there is nothing you can do to appeal". That upsets me, but that actually isn't my question! Because we're being dropped, we've searched for alternative insurance. I have obtained quotes from a variety of companies, and found that Progressive is offering coverage that is comparable (actually, a little better) than the State Farm coverage we had, at a fairly significant reduction in cost over what we had been paying State Farm, so we're switching as soon as our current term with State Farm ends in a few weeks. On one of our vehicles that is currently insured (with comprehensive and collision coverage), we sustained hail damage on the car a couple of years ago, resulting in dents to a number of the body panels and a crack in the windshield. None of these things bothered us that much, and we've just let them go. However, we are considering filing a claim for that damage before we leave State Farm and getting them repaired. I'm not sure what the total cost will be, and it's a somewhat older car, so I'm worried that MAYBE the cost of repairs could end up reaching the dollar threshold where they would total the car, but there is nothing whatsoever else wrong with the car. Here's my real question: If we did file this claim with State Farm before we leave them, is there a potential that this could come back to bite us later with Progressive? Would having this claim for hail damage impact our rate with Progressive, either now or later? Also, if they did decide to total the car, it's almost certain we would choose to buy the vehicle back (not relinquish title) and then hopefully fix the damage on our own, as best we could, using whatever State Farm paid out after the buyback. However, would the fact that the car had been totaled impact its future insurability or our rates for insurance coverage? (We've had a history of always getting "full coverage" on our cars, even though they are paid off.) My understanding is that Texas does not require a salvage title on a vehicle if it is totaled due to hail damage, although I'm not positive of that. Any advice from folks "in the know"? Thanks so much!

Well, I guess im late to finding out my coverage dropped from 90% to 50% i had been doing claims due to my dog having multiple TPLO surgeries and find out ny nost recent one only got covered 50%. Pretty annoyed. My dog is 8 and already is through most of the surgeries but does have a neurological issue. Im looking to get a new policy somewhere and would love recommendations.

Location: Inland Empire, CA Date of accident: 07/09 @10:30am This is my first car accident ever and I need help. I have a 2012 honda civic coupe and I was driving from one traffic light to the next staying in the right about to turn right at the next light into a shopping complex. There was a car speeding at the first traffic light in the lane closest to the left turning lane (there was only 4 lanes; 2 turning, 2 middle going straight) which I noticed and decided to keep some distance. Before I got to the second light, I was passing a gas station and I gave a quick glance to see the entrance in which I was about to turn into and next thing I know I get hit on my driver side. We pull into the gas station and exchange information. Come to find out he 20yr marine driving gov vehicle apparently he wasn’t supposed to be driving. I call the police and they said they would not come because there was no injuries to me or my mom or the other folks in the other car. As of right now I have emotional trauma and anxiety whenever I get on the road again. My adrenaline was so heightened I wouldn’t even have noticed if there was an injuries. His recruiter pulls up and says he would take the fault instead and that way less damage to them. I said as long as I’m taken care of with the right amount for my car I don’t care (this might have been a mistake and said in heightened anxiety and panic so please let me know if I was wrong, I gave a report with my insurance saying it was the recruiter already so :/ if so can I fix it?). I was okay knowing i might be able to drive my car a few miles back to the house but less than a quarter mile and the car started smoking so we had to get it towed. My front driver tire is tilted inward and my bumper and fender faced real damages. My panic and anxiety starts setting in real bad so first though obviously reach out to my insurance. I have GEICO (come to find out I don’t have collision coverage which is a factor I entrusted to my dad but story for a different day) and they have GSA (they are with USMC). My insurance already said I’m not at fault but can’t do much for me right now (they can reimburse a rental though). The people involved said they filed a report with GSA (implying I hit them which I figured but the footage says otherwise) and I’m going to put a claim in to GSA but I’m just waiting to get a quote on the damages. I’m told this process is going to be long and brutal so I could use all the help I can get. People are saying get a lawyer and some are saying don’t get one and I don’t know how to navigate that. My car is old so it’s only worth a little (170k over a decade old with a salvaged title with some issues like AC and wheel bearing) and it doesn’t make sense to me to put whatever money I get into it when I can put it for a new car. This is my first car so I’ve been super emotional and I have been stressed through this process as I feel like I’m navigating it mainly alone. I have also missed a few days of work because I don’t have a vehicle to get there. Any advice and help would be greatly appreciated. I’ll need all the help I can get. I have footage I can provide as well of the accident.

Has anyone used Clements Insurance? I'll be in Bangkok for 6 months to a year and I'm looking for full coverage on expensive personal property. They say they provide that coverage, but saying and doing....

I’m paying close to $190 a month for my 7 year old medium sized dog and 8 year old small dog. They go to the vet maybe once a year and I figured it could be worth it as a preventative measure but it’s honestly really expensive. I’ve been reading about prices increasing too so I don’t know what to do… i have fetch

I drive a large suv and I was hit. The other party was 100% at fault. Their insurance company had me send in photos of the damage, and called me today with an estimate. He explained they will mail me a check for their estimate amount and that they will pay $25 a day for a rental. In my area the smallest economy car is $60 a day so what they are paying won’t even cover that. What can I do? I am in no way at fault and I don’t believe my insurance should pay anything

I was rear-ended last year, and the at-fault driver's insurance covered the $14,700 in repairs. Afterward, I hired an appraiser, who reported a diminished value of $4,175. Once, I submitted the diminished value claim to the at-fault driver's insurance company, they offered me $300 and then began ignoring my attempts to communicate further. After filing a complaint with the Office of the Commissioner of Insurance, the insurance company finally got back to me and offered $2,000. It's less than I was hoping to get, but I'm worried that pushing for more could cause them to rescind the offer and force me to go to court. So, my question is, if I try (and fail) to get more, will the offer of $2,000 still stand?

Arizona - My homeowners renewal policy just arrived with a 1% shed/other structure inclusion. I thought this was a mistake/rollover from our previous house that did have a storage shed. When I called travelers (through our company discounted rate line), the agent said they cannot remove the shed coverage as it is state law - even though I don’t have a structure? He actually got frustrated with me as he’s had to argue this with several policy owners? Is the agent just wildly wrong? What on Earth would I claim against this part of the policy when I don’t have an additional structure? Did AZ pass a really dumb law and I missed it? AZ Homeowners Ins Agent Redditors, please help me make sense of this!