My wife was in a single vehicle collision. Broke her ankle and cannot walk. I am looking into renting her a wheelchair but the TD insurance adjuster is being evasive. Before I go all in on this, I am looking for the opinions of people here. Would her wheelchair be covered by TD insurance?

Ins: State Farm I got into a wreck that I was deemed at-fault for in May 2024. My auto policy at that time renewed from Feb 2024-August 2024. In August 2024, they renewed me again and raised my rate (obviously). Then in December 2024, I received a letter from State Farm saying they weren’t renewing me (Feb 2025-Aug 2025) for being high-risk and I had to find new coverage. So my question is: Why did they renew me again in August 2024? Why didn’t they just non-renew me at that point?

My husband has a herniated disc and possibly arthritis, and we’ve been putting off going to the doctor because we’re confused and stressed about what our insurance (Cigna Wellfleet Student) will actually cover. We’re in Rhode Island. From what we can see, the MRI isn’t fully covered under our plan, and possibly other services aren’t either. A regular doctor visit would cost us about $50 out-of-pocket (not sure about the exact term), which isn’t awful, but feels kind of pointless if we can’t afford to get the necessary tests like MRIs anyway. What’s really throwing us off is that a friend of ours, another student with the *same exact plan*, broke their foot, went to the ER, got an MRI and whatever else was needed, and only ended up paying $100 for the ER visit. That’s it. We’re super confused. We’re also hesitant to call the insurance company because we’re scared they’ll be vague or misleading on purpose, or try to hide what’s actually covered to benefit themselves. We feel really stuck and just want to make the best decision for his health without going broke. Has anyone had experience with Cigna Wellfleet Student plans, especially in RI? Any advice on how to navigate this or what we can do to get clearer answers?

Nationwide tripled policy and cut coverage 40% Last year they tripled my policy to over $3k, and just sent me a letter saying next year they are cutting coverage to 50%. Been with them for probably 5+ years. I am on a grandfathered plan that covered 90% and wellness, so basically everything (including food since prescribed). To pay triple the rate and then also lose 40% of my coverage is absurd, and they said they have no other options or plans to reduce costs. Monthly costs also only drop $30 which is a slap in the face. Any idea where I can go or what I can do to control costs? He’s a 12.5 year old “beagle” mix for reference and has cushings for background.

I've only had pet insurance for 1 year, through my work. I just received a letter stating that my policy is no longer available to me, but I can have their "My Pet Protection Choice" to continue coverage. The policy seems to cover less, and my premiums went up! The doodle (age 3) went from $218 to $458/year and the cavalier (almost 2) went from $270 to $781. The only thing I've filed was when my doodle had a bump in his ear, that healed on it's own, and my payment was just applied to the deductible. For my cavalier, she had a UTI. So, while I begin to shop around, anyone to consider? Or avoid? And how much do you typically pay in an annual premium? Maybe I just have sticker shock and these premiums are fair? Edit to include- this isn't a wellness plan, they cover 70%. Annual coverage for accidents is $5000, Illness $5000, Congenital and Hereditary $5000, Cruciate $5000, Rx foo $100, Behavioral $100

My dog has IVDD and hit the $10k annual limit this year. I’ve been paying $178.49/month for 90% reimbursement and a $500 deductible. Now my provider wants to increase it to $248.59/month for the same coverage, which is a 39% increase ($840 more per year). Has anyone found a provider that covers chronic conditions like IVDD without this kind of rate hike? I’m open to switching if the new insurer doesn’t exclude spinal issues and will accept pre-existing.

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

Who else thinks that we should ban people who provide false or misleading information in this sub? Or at least have a rule against misinformation so that we can report comments with misinformation and get people can get banned from this sub? As a broker with more than 10 years of experience and running my own agency, I have zero tolerance for misrepresentation and misinformation. This is a bit of a rant with another post's comment from an agent from Primerica r telling a consumer that they should cancel a whole life that has been in-force since 1949 because they claim that the death benefit is going to be taxable, which is lies. We should be able to ban people from this because even the OP responded like, oh, I should consider that. As someone who genuinely cares about clients and protecting their best interests, this is something that boils my blood when I read. EDIT: I'm not talking differences of opinion (e.g. Term in better than permanent). I'm talking about LIES. Verifyable proven lies. Such as "the death benefit of whole life is taxable"

I decided to give it a try but after downloading the app and reading the permissions and tracking that clicking "I accept" will give State Farm - I just can't do it! = Uninstalled! They can keep their 10% discount! If you start reading what you're agreeing to, you are giving State Farm access to EVERYTHING and I mean EVERYTHING on your phone including access to your Google accounts, text messages, photos, (24 hours a day 7 days a week whether you are driving or not). You are also giving them permission to do things "on your behalf" (meaning you will be financially liable), like calling a wrecker if the app thinks you've had an accident. I read enough to decide that it's not for me!

Update: Thank you for all the responses and suggestions. This is my first time ever dealing with insurance so was a little confused. I believe I have figured out what the issue was. I was seeing an in network gynecologist and they requested I get an ultrasound. The gynecologist had me scheduled with the hospital but said I can cancel and find another provider to try and find a cheaper place. I found an imaging clinc that says online that they take Aetna and so I scheduled with this place. They took my insurance information and I called them 3 times prior to my appointment to confirm the price of the service. They had stated the service was $245 every time I called and that I wouldn't owe anything more then that. I went to the clinic and before getting the ultrasound done again asked about the price. They said it would be $245 and so I swiped my card. I asked again if I would get another bill later and they said no that this is all that I would owe. I did the ultrasound and before I left I had them print the bill. They printed it for me and it shows that the good faith estimate was $245, which is what I paid upfront. A month later I received a bill from the clinic for $400 and upon checking the insurance claim I see $400 going to deductible and another $401 saying "pending or not payable" with my total share being $801. It seems my insurance is not covering anything. I had no idea that they would not cover anything or that this place was "out of network" as it literally says they take Aetna. I was reassured multiple times that the $245 was all that I would owe. I told them many times that I would cancel my appointment if there is the possibility that I would be charged more. The good estimate bill doesn't even show the actual price of the procedure nor how much my insurance would cover. I am so mad. How do I debate? Do I file a complaint? It also seems like my insurance is unaware that I've already paid $245. Please help!!! Another $800 bill on top of the $245 is insane.