I have an emotional support dog and he helps support me with my panic disorder everyday!! I know some people think dog insurance is a joke, but I’m disabled (for physical reasons) and want to be more prepared/protected with pet insurance so I won’t be stuck with a giant bill with a budget income. (Yes, I understand you have to pay it all upfront at the first before you see any money back from insurance.) Would love to hear some decently priced options for mostly full coverage! I have MetLife, but thought I’d ask for recommendations before I switch because $90/month isn’t exactly budget friendly for me 😕 Thanks for making it this far!! 😎👍🏻

Had 2 trees uproot one June 19th, one which put a big gouge in the roof and another broke a window in the family room. We have Erie Insurance, so this was in the middle of their IT outage. Luckily, we had ServPro button up the house pretty quickly. Erie was good with that, even though it took a week to get a claim number for ServPro. But after that, things have been moving at a glacial pace. Erie reached out on June 30th to say they were assigning a field adjuster. That adjuster finally showed up on July 7th. They mentioned putting the need for a structural engineer to look at the roof trusses, and they would put that in their report. They said it would take 2-3 days before the report would be shared with us. When we contacted Erie on Friday, July 11th regarding our report … our desk adjuster is out of office until Wednesday the 16th!!! Is this kind of timeline typical? I know the they had an outage. But it’s been almost a month since the incident. And between clearing the huge trees, the structural engineer, and time for the actual repairs … it will be at least another month before the house is repaired.

Hi, first time reddit poster, hoping for some advice. I got a new, much better paying job in Oct. Of 2023 and no longer needed food stamps or medi-cal. I updated my information in both systems (so I thought). California food stamps was difficult because it wouldnt update for some reason so I finally called them and told them to take me off the program. Now, flash forward to 2025 - I've received a letter in the mail saying I got renewed for medi-cal. I did not get this letter last year. And I haven't used medi-cal since I got my job. I checked the website and it still has my old jobs. I've had state medical insurance in Illinois and never ran into this kind of issue. What would be the best course of action to fix this? What kind of penalties could I face? Any suggestions would be greatly appreciated. I haven't updated the application on the website yet, I'm waiting to give them a call on Monday.

I bought a used 2012 Volvo during the pandemic at the height of used car prices out of desperation. I needed a car. I have $12600 left on the loan. The car itself is now valued at $4000. It currently requires $15000+ in repairs to pass safety and emissions. I’ve had nothing but problems with it since purchase a couple of years ago. I have put about $1500 into the car so far in repairs. I suspect I was sold a lemon, one shop suspected a history of flood damage, another refused to comment if that was a possibility. I do have gap insurance, not sure if that can apply here. I cannot afford to fix the vehicle or pay out the loan and get a new vehicle. Between the original dealer, the lender, State Farm, auto repair shops, I feel pretty constantly let down by customer service. I also struggle to understand all of the policies and legalese. Is there anything I can do here? I’m so overwhelmed.

Hi everyone. I have a 6 year old terrier mix that's been insured with Fetch since I adopted him at 5 months old. He's had 4 claims all under $200 in all these years. 2 for ear issues, 1 for diarrhea and 1 for a scrape on his leg. No claims in the Iast two years. I started paying $35 / month and now they want to increase my premium from $71 to $117 which is absolutely crazy! I currently have no annual limit with a 90% coverage and $250 deductible. I have no problem bringing down the annual limit to 20-25k, 80% coverage and a higher deductible to decrease my rate but my concern is if he's only 6 right now and Fetch is jacking up prices like this, even if I reduce coverage I'm afraid I'll end up with a crazy premium in just a couple of years! Also, I had another dog insured by them and we spent 25k with her last year. She unfortunately passed away but now I wonder if that is playing a role with how much they are increasing my terrier mix rate since they were both under the same account (I read someone here in Reddit had something like this happening with Fetch). I'd love to hear experiences of people switching insurance specially in regards to coverage of pre existing conditions and also, if anyone has recommendations of other insurance companies I'd love to hear your experience too (especially in regards to rate increases and claims). Thank you!

I was At a stop and some lady came up speeding to turn on where I was. When the police came she told them that she didnt see me and that a i blew the horn but she was too late. She hit my car and i had to pay 2,000 dóllar to fix my car. The police say we were both At fault but i told him i never move from the stop and that i was going to make a right turn when I saw her but i never was able to move. He made us both guilty. A few month later i revive a letter from geico saying i own them like 10,000. Will this kill my credit score? I dont have that money to pay. I have check my credit and i see nothing but am afraid they will put on my credit soon or later. Its being months already. It was back in january.

My ex and I have been separated since mid-2017, but his Meritrust credit card is still showing up on my credit report. I've worked hard these past few years to knock out the debt I created for myself as a dumb 20-something year old, but I cannot get rid of this debt. I myself never even used this card when we were together. I don't even know why he asked me to cosign in the first place, but of course I said yes because he was my husband at the time. He won't speak to me about it, and I've tried reaching out to his family, but nothing has changed. I've tried contacting Meritrust, but the only option they give me is to settle the debt myself and close the account. If anyone has any advice on how to proceed with this, I'd really appreciate it.

I have a two year old mixed breed dog he has been on Fetch pet insurance since I adopted him as a puppy. I was paying about $25/month. The first year I did not make any claims so it did not increase. This past year I did have to make about $5,000 in claims which led to an IBD diagnosis. I have not made any claims since then. I just got my renewal notice and the new monthly cost is around $60/month. This doesn’t seem reasonable for the low coverage limit I have. This seems like an excessive increase. Is it worth switching pet insurance to something that has better coverage and is less than half the price but won’t cover pre-existing conditions and just saving the extra money for when it’s needed? What would you guys do?

I swiped the side of my car (no lien) and Insurance company adjustor said take pics and put in portal. Said damage was worth$3700 and cut a check minus the $500 deduction; $3200. As I checked with bodyshops I deposited check as one guy said it doesn't hurt with final claim. Several weeks later used an insurance approved shop, over a month to repair. That shops original estimate was $5800 then final $7,700. So they charged me a $500 deductible and then Said to pay them the $3200 from insurance check. But Insurance check already took out $500 deductible and the shop just charged my CC $500. Shouldn't it be $2700 I pay Sthem (3200-minus $500) Insuirance already held theduditble and then I get charged by the body shop too?

I opened my bank account yesterday and my jaw dropped to see a hefty bill of $519.67 from Healthy Paws!! I have been their customer for more than 10 years and they took care of my pets....They covered an expensive procedure about 3 years back and I felt nothing but grateful...Their claim submission process is very simple....No recent high amount bills from my end (just regular procedures in the last 2 years!!) ....I referred my friends to them...And I was a happy customer until today...I understand that companies sometimes need to increase their rate but to increase it by 323% !!! ... I am just sad and devastated...You value your kids'/pets' health more than yours...I just paid $160.49 a month ago..if they had to increase the rate to $200.00 or $215.00, I would have understood...But this rate hikes is truly unjustified...I am planning to report it...My heart is broken....I wanted to let people know..