We’ve had Haalthy Paws since my two dogs were puppies. One is now 11 and one is 7 or 8. I just got this email that our monthly premium is increasing to $650 a month!!!! We can’t switch — they have preexisting conditions. This feels predatory. Is this legal? Has anyone successfully negotiated this?

We have been on medi-cal since 2020. Husband and I both lost our job. When we started working, we reported our income. We had a child and our income still within theamount that qualifies. 2022, I reported my income. And they still renew. 2023, I did not work, we qualified. 2024, I got a new job July, I called and they said my medi-cal will be cancelled by August. I enrolled in my job's medical insurance. Fast forward 2025, got a letter we qualified. I kept in my record that I always submit proof of income. What should I do?

Does anyone have experience with this company? I don’t expect any claims but how are they in this area? I’ve had Foremost for several years but this renewal they screwed me with 3x increase. No claims. I’m in SoCal. Apparently another broker couldn’t find me a quote and my current broker has ignored several of my inquiries for options. I understand it’s tough to get affordable fire insurance in Cali. Arghhhh

Are there any insurances that cover dental only? I’m currently with Healthy Paws, & while they are getting more expensive for now it works for us because of the unlimited payout if we need it. But last year he had a cleaning and extractions that ended up being over $2000 when all was said and done, and if he needs more this year I’m hoping to have some coverage. TIA!

I need some opinions on what to do. This is an odd situation. In past “pay up front cash” dental visits, the dentist offices, with a week or two, returned to me the covered expense/reimbursement from Blue Cross after they submitted the claim. However, this time, I went to an oral surgeon bc I needed a molar extraction that was complicated. I paid $1800 up front on credit card no problem. I would’ve paid double that with all the pain. About a week later I saw that I was covered for ~ $500 on the claim. A check was sent to oral surgeon’s office. When I called them they told me they were processing it and to be patient. This was a couple MONTHS ago. I last called on Monday 7/21 and was literally told, “check’s in the mail”. That’s pretty funny, especially since it is now Friday night and, of course, no check. Something quite fishy about this. I wonder if Blue Cross can do something. I’m interested in thoughts on this. TIA!

I recently almost got into an accident where the person in front of me stopped in an active lane of traffic and I had to hard brake. I stopped short of hitting the guy's bumper and we both pulled over to check if there's any damage. Confirmed no damage but he made me exchange phone numbers and driver's license info with him and we took pictures of the cars before going our separate ways. I didn't file a claim nor let my insurance know since there was no collision to begin with. A couple of days later I got a voicemail from his insurance's claims adjuster saying that a claim was made against me for a rear-end collision. Since it was after-hours I called the general support line for his insurance and got a hold of a live agent who was able to give me more information and what to do to dispute the claim. I've provided the pictures and dashcam footage leading up to the encounter to the claims adjuster and also filed a claim with my insurance because there's no other way of getting a hold of someone in my insurance until the weekday (I blame Tesla Insurance for shotty staffing). I wanted to ask the community if there's anything else I should do or be aware of in this process. I think the guy is trying to make a claim that I damaged his bumper as he had existing damage there (I confirmed in the pictures and the dashcam footage). EDIT: Forgot to mention that I plan on calling the other guy's claims adjuster as well as the one assigned to my claim to confirm receipt of information and if I need to provide anything else. I sent the pictures and dashcam footage to my claims adjuster as well.

I have a 5 year old maltese with no pre existing conditions and currently use Nationwide. My dog had to have a simple surgery to have something removed on her eyelid and Nationwide only paid out ~10% of the claim. I am looking to switch carriers in exchange for better coverage. If I only wanted to insure against accidents, unexpected events, and not routine care like vet visits and bloodwork, what pet insurance company offers the best value? I am a bit lost and the marketplace for pet insurance seems to be large and growing. The goal is to have a lot of coverage for, say, a $4,500 surgery as the result of something unexpected. What does everyone think?

I was just notified by Amica they will be dropping me in June due to having 2 previous claims in 2022 and 2023. Both were from individual pipe bursts Amica fixed. I’ve resolved further issues by paying out of pocket to repipe the entire house in 2024. Amica was aware of the re-piping but was still not interested in keeping me on. I do not live in a fire zone. I’ve been told no by several insurance companies stating because i’ve had water damage claims, I’m ineligible for their coverage, even though I’ve completely repiped my home last year. I have tried working with two different independent insurance brokers, both haven’t had success. One found a home policy for $18,000/year. Not including auto and umbrella. I was paying $4500 all in. Anyone have any luck getting coverage in a similar situation as me, with previous claims? I’d love to avoid CFP and DIC if possible. Thanks

I was rear ended by a driver with an out of state license, but his truck is registered in this state (Texas), he seemed to be a shady individual as well to me when dealing with him. The police came and wrote a report but it didn’t technically put him at fault even though he rear ended me. I did however get him on video admitting he was at fault. I filed the claim with his insurance, but it was a slow response from them. I went ahead and filed with mine to get the ball rolling because I needed to get it fixed. Well turns out that was a good move because come to find out he wasn’t covered by his insurance company at the time. So basically he got away with having no insurance when the police arrived because he had a paper saying he did. My question is now that my truck is fixed and back to normal, I received a diminution in value evaluation form from my insurance company for me to fill out. Is this to provide a compensation due to my truck now losing some value to the accident? It had never been in an accident previously so what can I expect towards compensation based on the value of the truck. Its KBB value ranges from $15-$19k. It’s in excellent condition though. How would diminution work according to that? Will my insurance company send me a check or something? Also on a side note, can I contact the police to inform them that his insurance company called me and said that he was not covered at the time? Could they pursue a ticket to him even though he has an out of state license?

Do agents typically approach you? I was approached by a woman with a tablet telling me about insurance plans and claiming she was from ACA. She asked me if I wanted to apply to see if I were eligible and told me that I could cancel at any tome should I enroll in it. Turns out I was eligible for a basic plan that I pay 0 dollars for. So I am a bit skeptical about the whole thing. I have a screenshot about a confirmation on an onboard app. It has a Premier Secure number to cancel. I’m 90% my dumbass got scammed or something. I’ve done an enrollment with a Blue Cross Blue Shield insurance in a similar manner but I canceled that one because the mandatory doctor was an hour away.