I have a 2yrs old terrier mix and got his insurance through Lemonade when I first adopted him 10 months ago. He was nervous when I took him to the vet for the first time before I got his insurance, so the vet recommended Trazodone, but I declined because he was okay at home. He started developing anxiety around noises, people, and other dogs 1-2 months after I got Lemonade, and I filed a claim after seeing the vet. They denied the claim, so I appealed by having the vet send them an email saying that his social anxiety is a new condition that had developed recently. They did not take that and denied the appeal, saying it was a pre-existing condition. He has to be on multiple meds and needs behavioral training, and I’m very frustrated. I know that other insurance companies won’t cover any cost for his anxiety at this point if I get a different insurance. Still, I don’t want anything like this happening in the future(I read that similar things happened to some other pet owners who use Lemonade), so I’ve been looking into different insurance policies. I’ve read some good stuff about Pets Best and Spot, and I’m trying to decide between them. Does anyone have recommendations? Experiences with those companies? Any opinions are appreciated!

I have 2 rescues. Dog 1 we got at birth and found out she has auto immune hepatitis and will need medication for life. We had to pay $4,000 to find this out. Dog 2 is of unknown age and he was a stray so we had no knowledge of his health. We since found out he has IVDD and degenerative valve disease. So he will need ultrasounds 2 x year plus medication eventually. ASPCA has not paid a cent after a year. They chalk everything up to pre-existing conditions. I feel like I’m not understanding the AKC clause that says they pay for pre-existing conditions after 365 days. I’m not happy at all with ASPCA’s customer service and the rates were comparable at the time I signed them up last year. I’m sure if I get a new quote before my ASPCA plan renew, AKC will ask about pre-existing conditions and quote premiums accordingly. I tried looking for the info on their website but it seems so vague and I don’t know where else to get further clarification.

Location: Michigan At a loss here. Just received a statement from my health care provider that BCBS denied my iron infusion from January and that I owe $11,000. I had iron deficient anemia during my pregnancy and iron pills didn’t do anything to raise my levels so my doctor ordered iron infusions. I didn’t think anything of it as during my first pregnancy in 2023, I also had iron deficient anemia and my iron infusions were covered by my insurance but it was through a different health care provider. BCBS is claiming that the treatment I received for iron deficient anemia isn’t covered. The procedure was coded as q0138. Do I appeal? Do I call my health care provider and see if they coded this wrong? Owing $11k for something that’s been covered before is stressing me out. I never would have agreed to iron infusions if I had known it would be denied. I cannot afford an $11k bill…

I was paying my mortgage online, noticed that mortgage paid my hazard insurance at $4860, when I was paying like $2800 prior year, called agent and asked Wtf, 10 days later he got it to 3800/yr, cars at Geico because best rate, Went to GEICO for homeowners and bundled with my car insurance now $2,680. Also GEICO takes 10minutes to get a quote.

I was hit by a Lyft driver back on 11/17/2024. They didn’t check their blind spot and merged into me on the freeway. My car’s front bumper is cracked and messed up, I had to change that tire, and my windshield wiper fluid tank is cracked. I don’t have proof of the accident but I filed a police report as soon as the incident happened and I recorded the situation right after. I think it’s very obvious (from the damages and location of the accident) that her car hit my car. This problem became complicated because they were using a Hertz rental vehicle, not their own car. The driver gave me their insurance information and she claimed that she bought “extra insurance” to cover incidents. I come to find out, her Hertz insurance doesn’t cover the incident because she was driving for Lyft? And Lyft is now saying, “If we agree to pay for some or all of your property damage on behalf of our policyholder, we will only consider reasonable rental expenses, for a vehicle comparable to the damaged vehicle, and/or reasonable storage expenses for reimbursement.” Does this mean they will not be paying for any of my actual damages?? I unfortunately do not have collision coverage, I only have California state minimum requirement. I’m looking to switch but full coverage was just way out of my budget at the moment ($400+ per month). Please help :( I don’t really know what to do next. I’d appreciate any advice!!

I don’t know if this is the right flair, so I apologize if it isn’t. I’m 26F living in Florida. This is my first time trying to navigate health insurance, so my parents helped me find a plan that would let me keep my doctors and cover my prescriptions (major ones being my neurologist and migraine prescriptions, which are only brand-name). My pharmacy called and said they needed one my prescriptions authorized, so I called my neurologist’s office to have them authorize it. My insurance just took effect this month, so I was also going to update it with the office. We did a search on the Aetna CVS Health portal and my doctor was listed as being in-network, but I was informed that they aren’t. They take Aetna, just not my policy. Because they’re not in-network, they can process the authorization. I guess the online portal isn’t accurate… or maybe something is lost in translation? Is there a definitive way to find providers that will take my insurance? Does anyone else even have any experience with the policy in general?

This happened a bit over a year ago. I was driving my girlfriend and her coworker to work and pulled over near the curb to let them out, at the same time another driver starts backing up so I lay on the horn but he hits my car my girlfriend and her coworker both were still in the car when it happened and saw everything. We get out and they are not communicating at all and possibly didn't speak english. Police were called and they didn't show up for over an hour and he eventually started trying to drive off. I follow through for half a block and he stops and backs up into me again. His "son-in-law" came after I guess they called him and he started trying to gaslight me into believing I hit him and theres no proof and that police aren't going to come. LOL. Police eventually pulled up and the other driver started to feign a heart attack or something. They even called the ambulance and the EMT didn't look pleased... I got the police report, report states: **"V1 STATES HE WAS PARKED WHEN V2 WAS REVERSING INTO A PARKING SPOT COLLIDED CAUSING DAMAGE TO FRONT BUMPER. V2 STATES HE WAS TRYING TO TAKE A PARK IN SPOT WHEN HE COLLIDED INTO V1. V2 CLAIMS THAT V1 WAS NOT THERE ARE THE TIME HE WAS REVERSING. V2 DRIVER WAS TRANSPORTED TO BOOTH MEMORIAL FOR CHEST PAINS. PO DIDN'T WITNESS"**. I got the insurance info and drivers info from the police report, called their insurance to make a claim. They instructed me to go to this auto shop and get a quote for damages, went there, the shop said they will call me about the quote. I never heard from the body shop again even after calling them they said they'll send it and never did, the insurance company never again picked up my calls after weeks of calling. I have liability insurance, with Geico and they said to file the claim with their insurance. This is in NYC, the other driver had NY plates but insured by a NJ company "Plymouth Rock Auto Insurance" Due to my girlfriend and I living together, Geico requested me to add her as a secondary driver, I told them she does not even have a license to drive and of course never drive my car. They sent numerous letters and emails about this. Each time I replied online and called in to explain that to them, they acknowledged and I thought that was over. They ended up dropping me, and I didn't even realize for nearly a month and then I was fined by NY for driving without insurance. Paid the penalty and started looking for other insurance. Nobody was willing to cover me due to a gap in coverage, possibly the accident being reported, etc. I was only offered to be insured by GEICO AGAIN LOL. They doubled my rate for liability insurance nearly $400 a month and I've been paying that since. Need advice on how to get what I'm owed for the damages they caused to my car.

Okay so my cat is almost 2 yo and has no pre-existing conditions, has a primary vet, and is not spayed yet (Plan to, very soon!) I’m looking for a good insurance that covers wellness (mostly blood test and spaying cost?) for the first year and accident&illness for the following years. I have gotten some quotes and is eyeing Odie and MetLife for that, but every insurance seems to have bad reviews, or some would even call them scams. Please provide me some experiences/takes on the insurance you use for your cat, thanks in advance!! This could be really helpful for me ;)) P.S. the reason I want a wellness plan to cover spaying is because there’s no shelter/low cost spaying availability around me and I want to be consistent with my vet :,) my cat went into heat last week and I don’t want this to come back again so really wanna do it sooner.

I am in a situation where I need a surgery so will 100% hit my out of pocket maximum. The max, 8K, is fortunately something we can readily afford. The only thing that scares me are all the scary stories about how they get completely screwed over for supposedly covered procedures and are in debt tens of thousands at once. What I do to prevent this possibility or are those detrimental stories are from people who do not have any coverage??? My insurance is with United.