Should I get lawyers involved? In January 2025, I received a letter from my insurance company stating that my policy had been cancelled due to non-payment and that I now owe a balance. However, this was the first and only communication I received—prior to that, I had no notice that a cancellation was even being considered. Here’s what happened: In late 2024 or early 2025, it appears that one or two scheduled payments did not go through because my credit card had been temporarily locked by my bank due to a fraud alert. As soon as I became aware of the issue, I immediately made the payment manually and settled any outstanding amount. I reviewed my billing history and confirmed that no payments were missed beyond that short disruption—and everything was brought up to date right away. The insurer claims they sent me a letter stating that I needed to pay the full yearly premium in order to maintain my policy. I never received this letter. This communication would have been sent during or shortly after the Canada Post strike (November 15 to December 17, 2024), which caused widespread mail delays well into January. It’s highly likely the letter was delayed or never arrived at all. Again, the only letter I ever received was the final notice informing me of the cancellation and that I now owe a balance. By that point, I had no opportunity to take corrective action. I believe the insurer failed to adequately notify me of their intent to cancel my policy, especially considering the known disruption in mail services and the fact that I had already taken steps to correct the payment issue. This situation has now affected my insurance record and left me scrambling to secure new coverage at a higher cost. They sent it the underwriter and denied my claim what should I do?

So, in case anyone was curious, I posted [HERE](https://www.reddit.com/r/petinsurancereviews/comments/1io7ggn/fetch_pet_insurance_prescription_sublimit/) and [HERE](https://www.reddit.com/r/petinsurancereviews/comments/1j4f71u/update_fetch_pet_insurance_deceitful_enrollment/) about an ongoing issue with Fetch Pet Insurance about a "prescription sub-limit" applied to Virginia, USA policies and wanted to give the final update as far as I am aware. TLDR: Fetch pet is rolling out a "prescription sub-limit" of 1500 dollars on all applicable policies, that applies to any and all medications (including ones given in hospital and during surgery). This sub-limit was not disclosed to me nor does it exist on any of their publicly available documentation. My dog had surgery in January and a portion of it wasn't covered because they applied all of the medications used in that surgery to the sub-limit, and I was informed that for the rest of the year no medications would be covered due to this sub-limit. I made a report to the BBB and contacted my states insurance board to see if this sub-limit was appropriately filed with them. Haven't heard back about the BBB complaint but my state's insurance office did confirm that Fetch filed the sub-limit with the state. I have no idea what other states this is applicable in, because there's still no information about it on their site, probably because they don't want people to know about the bottlenecking they are applying to policies. After quite a bit of back and forth, I've been informed that my and several other individuals who had surgeries are having those claims reassessed and that surgical medications will not be imposed against the sub-limit. They are adjusting the under-writing language to specifically change how they assess anesthetic drugs, but all other medications (nerve blocks, pain management in surgery, and antibiotics given in surgery) will still be applied to the sub-limit. With my reassessment, I received the remaining balance I was owed from my dog's surgery and now have about 850 dollars left in my prescription sub-limit for the year. I'm still quite a bit miffed that they were able to apply such a restrictive sub-limit to my policy without informing me, and this sub-limit is still applicable to medications given by veterinarians in-hospital, but at the very least they are not applying anesthetic medications to this sub-limit any longer. If you had a surgery only partially covered by Fetch Pet Insurance in the past year due to complications surrounding this sub-limit. Please submit an appeal, I've been told (on a recorded line) that they are reassessing any surgical claims made using the previous underwriting language surrounding this policy.

Location: Texas Mind you we have been a returning customer for the last 9 years to the same salesman at the same dealership. He has always gone above and beyond with taking care of us with exceptional customer service to the point of even driving 2hrs to deliver our last leased vehicle in our driveway. So now the dilemma; we recently returned 2022 lease and signed a new lease for a 2025 at Infiniti dealership February 1st. After all the paperwork is completed we get keys for 2025 vehicle and drive home. Fast forward to February 22nd I see the reoccurring payment of $975 from the old 2022 leased vehicle. Then on 26th another one for $1130 for new 2025 lease which was expected. Wife contacts salesman and says he will look into it with Infiniti finance department. After a couple of days he tells us that Infiniti finance for the old lease had not yet received dealership check for the vehicle payoff, then proceeds to tell us after they receive it we would be receiving a reimbursement check in the mail “around” the same amount of $975 from old lease that we are no longer in possession of. Wife contacts Infiniti finance and they basically tell us that the dealership is at fault and it’s out of their hands. Now we are in April and salesman telling us he will get with GSM, but GSM is somehow always busy (out of office at auctions, yadda yadda). We have yet to receive the “check” or any further information on the matter from dealership. This our 4th vehicle through this dealership with no issues at all and now this. What route do I take? Anyone else ever have this problem? Do I take legal action over $975?

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

Can someone help me with Lemonade pet insurance? My pet policy is 80% reimbursement, $250 deductible, $10,000 annual. My dog went to the vet to get a mass checked out and got bloodwork done. My plan doesn't cover exams or bloodwork. Cytology was $185 and fine needle aspiration was $40. In this case, the eligible cost that would go towards the deductible is the cytology exam and fine needle aspiration, which adds up to $225. I was under the impression Lemonade paid out 80% AFTER the deductible is met. But Lemonade just got back to me, and it shows that they covered 80% of the $225, which is $180. Which means I still have to pay $70 until my deductible is met, instead of $25. I thought the 80% was only for reimbursement after the deductible, not 80% coverage of the deductible. Is this how all pet insurance work?

Noticed that my company offered Nationwide pet insurance. Have a 9-year-old large mixed breed dog, 14-year-old Turkish Angola cat, and two one year old Persian cats. Went ahead and applied and all 4 were approved with $100.00 deductible and 80% reimbursement, and $5,000.00 limit for accident, illness and congenital & hereditary. Right now it's a year long policy. I have since been reading up on some horror stories dealing with Nationwide. I wished I had researched more thoroughly beforehand. I just wanted peace of mind. Now I'm not so sure. It is what it is. How do I deal with this in the meantime and what company should I be looking out for next year?

Location: Florida So I'm frustrated with Progressive because they identified a person who was staying in my home temporarily and added them to my policy. This person has never driving or touched either of the cars on my policy. They supposedly sent out a mail notice, which I could not find physically or even in my email, where I'm signed up for Informed Delivery and would be able to see any envelope that said it's from Progressive. I looked through my email to see the notices dated months ago stating the persons name and that if I do not contact Progresive by January 16 that they would add them to my policy. I looked though the details of my policy today and that's when I found that they are listed as a driver. So I've been paying for this person to be on my insurance for the past three months. I have to wait until Monday to speak with underwriting to figure out what happened and what to do. My question is whether this practice is even legal in the state of Florida. From what I've seen, a lack of response of a notice does not indicate consent. My explicit consent was not obtained to make changes to my policy. I have not even talked to or seen the person added for months before the changes were completed.

I've posted about my claim before. Insurance company low balled me on the settlement for my stolen car. Offered me 23k total I didn't agree, they didn't want to negotiate and told me to invoke appraisal clause. They rep calls we over a week later and told me good news their appraiser came up with 26k and something. Told me I don't have to get an appraiser anymore. Sounded good to me. Next day I get a call, they made a mistake and weren't supposed to tell me that amount since that's the amount their appraiser came up with for when I actually invoke the appraisal clause. I'm confused so I have two questions: Can they legally backtrack like that after they already told me I didn't have to get an appraiser and the amount they were at? And also, technically if I get an appraiser he or she should be able to get me more than their estimate right?

My insurer (Admiral) got in touch with me late last week advising me of a claim on my account that I needed to check. Unfortunately I was on holiday so have only had a chance to look into it today. However, I haven't been involved in any incidents at all - ever. I've never hit another car, had an accident, or been involved in a crash. My car has zero damage, no bumps or scrapes, even the paintwork is pristine (I use it infrequently) I've never once claimed on insurance, or even needed to. I checked the claim date and I happened to be travelling to London and back that day from Birmingham for work (my once in a lifetime trip, last minute so couldn't catch a train conveniently). I can say for sure that I wasn't involved in an incident that day as I spent it all either on a motorway or parked at a hotel attending a conference. The claim itself has no information attached for me to refute. I haven't had a chance to call them yet (it's on my to-do list for later today) but have emailed them asking for more information/clarity. What do I do from here? I'm confused, surprised, frustrated, and very worried that it's going to affect my insurance or future costs. Is it a fraudulent claim, or have I been claimed against in error? Any advice is much appreciate :)

I recently sold some commercial property and I'm looking for an umbrella policy or a large liability policy. My problem is I live in a home that belongs to my 88 year old mom with severe dementia. The home is in a life estate deed to me, I've cared for my mom a long time, I have no claim to the home until she passes away. We suffered significant hurricane damage, now seven months post hurricane repairs are just starting. I had to move my mom out of state with a sibling and mom is so frail she will never be able to return to her home. I am currently on the homeowners policy with my mom but expect there's going to be a problem with the current insurance company at renewal. My mom is out of state and I have no real rights to the home yet. My brother and I have POA but can't sign the deed over to me because mom has only social security and is going to need Medicaid soon. Medicaid does a five year look back. The home she owns is a mobile home, nice but not of great value. It's been in the enhanced life estate deed to me for many years. I do have a vacation home out of state, not a primary residence. I have Progressive car insurance. I called the company associated with them and they question the liability on my mom's home. I don't know if I will even have insurance on that home soon. I would need to raise my car insurance above 100,000/300,000 and the umbrella policy would be $900 a year. This policy seemed to depend on raising the liability insurance on my mom's home, possibility with a renters insurance policy, but that was questionable. I send money to my brother to help pay her care but it's not rent, she would then owe income tax on that and could be considered in kind help with medicaid. There must be others who don't own a home in the state they reside who have significant assets. I've never been in this position before. Can someone in the insurance industry advise how I can purchase a large liability policy?