Not really sure the best place to post this question. My health insurance fully covers labwork, which I confirmed with them prior to getting an MMR immunity test earlier this month. As in they couldn't find anything in my coverage about specific tests because I have 100% coverage. So day of my appointment imagine my surprise when the phlebotomist at my doctors office says I owe $40 to quest for the lab work(in addition to my $25 copay that I paid at the front desk). I thought it was weird, but figured I'd get a refund when I got my EOB. So I hand over my debit card, she enters the info on her computer, draws my blood, and then I go on my way. Today I get the EOB for that visit and it says, as expected, I shouldn't have paid anything for that visit. So I check both my bank accounts only to find there is no $40 charge for Quest anywhere. And then I remember the same thing happened in January with Labcorp. I went to a physical Labcorp location for bloodwork ordered by my dermatologist, they said I owed some amount upfront, I handed over my card, then when I got my EOB it said I owed nothing, but when I checked my bank statements there wasn't a charge from Labcorp at all. Nothing the day of, and nothing on subsequent days for a refund. What is happening? Are they somehow able to void the charge so that it completely disappears from my bank statements when it turns out my insurance fully covered it? In the future I'm going to be getting screenshots of any posted charges(and asking for a receipt), just to prove I'm not losing my mind. If they didn't charge my card on the day of my appointment, would they have charged it later upon learning I did owe something. Can they even legally charge my card at a later date, or would they have to send me a bill in that situation? With the Labcorp charge I thought maybe I'd misremembered paying because I've been getting lab work there for years and never even had to stop at the front desk. My insurance at work did change from UHC to BCBS this year, but our coverage stayed the same. But I know for sure I handed over my debit card to the phlebotomist at my doctors office and watched her enter the card information on her computer. Though I don't remember if I got a notification of the charge on my banking app. Do I still have to keep giving them my card if I know my insurance fully covers lab work but for some reason they are lying and saying I owe money upfront and then the charges are vanishing?

I managed two older buildings one built in 1950 and one built in 1900. The company's own them for 13 years and never had a insurance claim. Country financial, which is owned by Farmers I believe, did a risk analysis is dropping 45% of their older homes Are there any companies out there that are easier to cover older rental properties with older rust but still in good condition?

I got a cat in November and enrolled her under Spot, starting a plan at $17.87 / month. I took her to the vet in December to check why this otherwise healthy cat had no interest in chewing food, and they said they said she had a bad case of FORL and they recommended removing the impacted teeth, which were most likely causing her pain. I submitted two claims to Spot, one for the first visit in December and one for the expensive teeth removal surgery in February. For both, I only attached the vet invoices which included the vet medical notes. Initially, both claims were rejected for lack of inclusive information about my cat's health, meaning the SOAP notes. I ended up finding and submitting the form that was given to me from the shelter when I got her, which only contained her vaccinations, record of spaying and a mention of medicine for diarrhea. I explained to Spot that was all I had, and no one knew anything about my cat's health in her life prior to the shelter. Just a few days later, I got notified that they had approved both claims reimbursing me $21 out of the $78 visit and $288 out of the $697 surgery. **That means that my total annual billing for the insurance is $214 ($17.87 x 12) and by March alone I have already been reimbursed $309. I'll take it.** https://preview.redd.it/si7w4q5tcipe1.jpg?width=887&format=pjpg&auto=webp&s=2b08b2273dc1ac812143cbdbe683b8f30d65722d

Hello, Can someone with experience using Trupanion confirm how their reimbursement actually works? Here’s the situation: Let’s say my total invoice is $1,200 (excluding tax and for a single condition). My deductible is $1,000, which has already been met. That leaves $200 of eligible costs. Based on my understanding, I would then pay 10% of the remaining $200 ($20), and Trupanion would cover the other 90% ($180). However, when I submitted a recent claim, Trupanion told me that the 10% co-pay is calculated based on the total invoice **before** the deductible is applied. So according to them, I’m responsible for 10% of $1,200 ($120), **plus** the $1,000 deductible, and they only covered $80. But their own website says this: "Co-payments, also known as coinsurance, represent the proportion of eligible veterinary expenses that the pet parent is responsible for after the deductible has been met. For example, if a pet insurance plan offers a 90% reimbursement rate, **the policyholder would be responsible for paying the remaining 10% of the eligible expenses after the deductible has been satisfied**." This seems contradictory. Has anyone else experienced this? Am I misunderstanding something?

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.

Like home and car insurance in California, looks like Umbrella premiums have gone through roof. Is that true for others in Cali? I'm with State Farm. $2M umbrella was a few hundred dollars last year; renewing now at $2400/year (no claims, no accidents, no lawsuits). 3 cars; 3 drivers. Own home. No pets, not much liability. Anyone else got this sort of increase year over year?

The facts: I am a RENTER I Rented a unit in Chicago that is a fully furnished basement “garden level” unit Lease Term: 2 Months Fully Furnished Unit Day of Loss: July 7th 9 to 12pm Insurance: Assurant What the Insurance has stated: Please refer to your policy language: SECTION I – EXCLUSIONS Water Damage, meaning: a. Flood, including but not limited to flash flood, surface water, waves, including tidal wave and tsunami, tides, tidal water, overflow of any body of water, or spray from any of these, all whether or not driven by wind, including storm surge; As far as you loss of use per your policy language: If a loss by a Peril Insured Against under this policy to covered property or the building containing the property makes the “residence premises” not fit to live in, we cover the Additional Living Expense. At this time the preliminary findings for the cause of loss is not a covered peril. I will further investigate claim and follow up w/ you regarding the status. I also left a voice message on your voice mail. I read all of this - The Owner of the property that I am renting from said that the Plumbers Official Report was that the water was sewage water and it came from the toilets. For context the water rushing into my place was what woke me up and I woke up in a panic to put all belongings on spaces that are high enough for them not to be damaged. The unit has been deemed uninhabitable by the Owners insurance and I do not have a home at the moment. AS of today my hotel stay has ended and I am down about 2k for trying to staying here. Any help would be greatly appreciated as I do not want to be homeless in less than 24 hours.

After a family member had a total loss from their condo building fire, TRAVELERS Insurance paid the claim but cancelled their policy. Now, they're having issues finding Insurance companies that will insure them. Any ideas? Has anyone experienced this problem?

My car is a **1989 Honda Civic RT4WD Standard** — these are practically unheard of now. I know insurance companies won’t pay for uninsured upgrades, but I recently spent **over $8k** on paint and body work to restore it to factory condition. The paint, trim, wheels, and tires are perfect. Unfortunately, we had a hailstorm while I wasn’t home, and the car got **hammered**. The insurance company is using comps from the much less desirable **2WD automatic** version, which sells for around $5k. I can’t even find a standard RT4WD for sale, but the closest condition autos I can find go for close to **$10k**. Similar Japanese “Beagle” versions are also around $10k. The insurance company says they can only use **dealership** listings (not private party), and since neither I nor the adjuster can find a dealer listing for my model, they’ve offered me **$4k**. I know it’s worth much more. I’m looking to get a **3rd-party valuation** but don’t know where to start. Has anyone here actually used a company for this and can share their experience? I can Google, but I’d prefer first-hand recommendations. Once this is resolved, I plan to move the car to **Hagerty** since they seem to handle collector/older car valuations much better.

Hey y’all, my truck got hit in the parking lot of my work a couple of weeks ago and there was some damage near the drivers rear wheel. The lady who hit me left a note with her information so I submitted a claim through her insurance company. They asked me to get an estimate from one of three shops and then after they would pay. I requested to cash out as I’m planning on painting my truck myself within the next month or two. The shop returns with an estimate of about $2,300. After about a week I receive payment of $1,700… I asked why there was that high of a discrepancy and the adjuster said: “The cost difference between the estimates is due to the first one being written without regard for insurance rates. We can only pay out on the official insurance estimate.” My question is, why did they have me go get an estimate in the first place. I had to take a half an hour’s drive each way just to get to the shop. Not to mention the time I spent there waiting to be helped. I’m just frustrated because it seems like that was an active waste of my time. If they already had their own “official insurance estimate”, why did they have me go drive 2-3 towns over to get a meaningless one from a shop!