I have a pair of Sphynx cats—both female, spayed, and 1.5 years old. Right now, I have Trupanion for their pet insurance, and overall, I’ve had a good experience with them. That said, one of my girls had an allergic reaction earlier this year that required multiple follow-up visits, and the out-of-pocket costs for exams alone really added up. I reached out to Trupanion, and they said I’m allowed to have a separate wellness plan from another provider to help cover things like exam fees and routine care. So now I’m on the hunt for a solid wellness plan—mainly one that covers exams, vaccines, and most importantly, the annual HCM screening for both girls. Trupanion might or might not cover that since it’s kind of a gray area between diagnostic and preventive. I’m betting they’ll treat it as preventive, so I want a backup plan. Any recommendations for wellness plans or other insurance options? Every time I think I’ve found a good one, I come across a flood of awful reviews (though I know that’s just the nature of insurance). I do plan to call and confirm coverage details before signing up, and I’ll also ask if they can review my girls’ vet records to determine what they’d consider pre-existing. Thanks in advance for any suggestions!

On July 31, I saw a steady ream of water coming out of my ceiling! Coming from the bathroom upstairs and even going down to my basement! Long story short after checking though pipes, and doing my own investigation I cannot, CANNOT find a cause. Only thing I can maybe think of is one of the children flooding the bathroom and hasn’t told me. I’m a mess, I’m a single mom of two hardly getting by and a giant mess and so many things destroyed I CANNOT pay for this out of pocket, will this be covered by my insurance if it was my child at fault who’s yet to claim blame?

I’m in New York State, I had GEICO and I made a payment on the due date(yesterday) but noticed they didn’t want the full payment amount that I normally pay but a smaller payment(I assumed for a new car that I added on). Long story short, I gave them a call and they cancelled my policy because they said they sent a letter regarding a rate change, which I haven’t received. I live in a rural area and we have to physically pick up the mail from the post office, it looks like the mail was returned to the GEICO. They put in request to underwriting to see if they’ll reinstate the policy. What are the chances they do? Do they normally reinstate policies? Policy lapsed for only 1 day.

I was involved in a car accident in Michigan, and the at-fault driver’s insurance denied my mini-tort claim because they don’t have mini tort coverage. I still have out-of-pocket repair costs ($1,000), and I want to file a small court claims case against the at-fault driver. I have the **police report**, repair estimates, and insurance denial letter as evidence. **My questions** ❓ 1. **How do I file a small court claims lawsuit in Michigan?.** 2. **What court do I file in—where the accident happened or where the driver lives?.** 3. **How do I serve the at-fault driver properly?.** 4. **What happens if they ignore the lawsuit or refuse to pay after a judgment?.** 5. **Has anyone successfully won a mini-tort case in small claims court?.** Any advice or experience would be really helpful! Thank you!

I've had a health insurance policy for my mother with ICICI Lombard since 2007. The recent premium was ₹70,000 (including GST) for a sum insured of ₹3 lakhs + ₹3 lakhs bonus, totaling ₹6 lakhs annually. For the past few years, I had been meaning to port the policy but never got around to it. This year, I finally managed to do it—moved to Care Insurance. The new plan offers ₹10 lakhs sum insured with a 50% increase each year, covers pre/post hospitalization, existing diseases, and even includes a few more benefits. And all this for a significantly better premium of 51000 (inclusive GST). After I initiated the port, I got a call from ICICI Lombard asking if I wanted to renew. I politely informed them that I had ported to Care. As expected, they started with the usual pitch about how ICICI is better than Care. When I still didn’t budge, the agent had the audacity to say: **“Lagta hai aap yeh premium afford nahi kar sakte.”** (Translation: *Looks like you can't afford this premium.*) Really? Is this how some insurance companies try to manipulate customers—by playing on their ego? Anyway, I'm glad I finally made the switch. ICICI may want to revisit how their customer support operates.

Greetings, I have State Farm insurance on my truck, which I've been gradually making improvements to for off-road use over the past 2 years I've had it. As of right now, I have about 18k invested into it excluding labor. I've asked my SF agent aboput gettin an endorsement and they verbally said that my current policy should cover it as long as it's bolted to the vehicle and that I've kept photos and receipts, but I still worry I could end up in a situation where the vehicle is stolen or wrecked in an accident, deemed total and I'm offered far less then it would cost to purchase a similarily equipped truck used on FB marketplace. I'm a bit skeptical of whether or not this is accurate or whether i'd be severely low balled. I live in a fairly urban area where property theft and unisured reckless drivers have been sharply increasing. I skimmed over my policy but nothing stood out to me in reguards to modifications, but perhaps I missed something? I'm just trying to make sure that I'm not screwed . One scenario I'm worried about is getting a low ball offer for the vehicle and then hoping there is an avenue to buy it back so that I can transfer the viable parts to another vehicle of the same model, selling whatever is leftover for part and taking a huge loss.

Hi all, I am in need of advice. I'm not sure if this is the most appropriate place to ask. Ive had Embrace insurance for my two kitties for a year now. For one cat, it's amazing. For the other, Daisy, it's been kind of a nightmare. I had to increase her coverage midway through which restarted the medical review. That was my first big mistake, because while I knew it would come back with a temporary exclusion of a one time ear infection, I did not expect a permanent exclusion for ALL SKIN MASSES including cancer. Now, yes she has a small polyp on her outer ear that has never been diagnosed officially. It has been told to me by multiple vets that it's not a big deal and to leave it alone since shes had it since she was 2 and it was harmless. So when I saw that exclusion, I went through her medical records and found that I mentioned to the technician that she had a "growth" in her ear that was not impacting the ear infection, and my statement was put on the official medical records despite the veterinarian never putting it on her notes or as a diagnosis. She had one diagnosis: ear infection. A two month long appeal process would ensue where no one asked me anything despite me sending my specific concerns via email to the vet about wanting it known to the insurance it's not a cancerous mass, it's a polyp and it should not exclude all forms of cancer. The insurance would only speak to the vet who obviously had more important things to do than to deal with insurances, so it took forever for this process to come to a conclusion. The vet had no record of the mass, other than my statement to the technician, and ultimately that's what she told the insurance: There is no diagnosis of a mass and she has never noticed one on my cat. The insurance concluded that the mass didn't exist and officially documented the rescinded exclusion. My next mistake: I didn't say anything after because who would?? After a nonstop, 2 month, constant back and forth to get everyone to work together, there was a solution so I shut up and let it go for peace of mind. Now I feel absolutely f*cked because the polyp needs to be removed because she wont leave it alone and its turned into a deep cut that doesnt heal. The technician today wrote that she's had it since she was two and it's officially been diagnosed. Its a benign polyp, it's been biopsied after the appeal. Im so afraid to keep her insurance or submit a claim now in case im now "withholding information" or being fraudulent. I never denied she had a mass, I just denied it was anything more than a polyp and that's what I was trying to fight. What do I do??? She gets it removed tomorrow. Im afraid this being found in her medical records will impact future claims and I won't be able to move forward with removing any other temporary exclusions like the ear infections. I also have another cat on the policy who really needs insurance and im scared if they drop her, they'll drop him too. If you got to the end, thank you for reading this 🩷

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

I have aetna cvs hmo. On the app it says I spent zero towards my out of pocket max which is not true since I went to an in network urgent care yesterday and spent $5 for my copay! Once the out of pocket max is met, then insurance covers all medical costs. Also when it says that my insurance will cover 100 percent for all medical services that are covered..when it says covered does that mean covered as in network providers?

I’ve been looking for pet insurance and I’m so overwhelmed. I need help! I was looking at nationwide since it looked affordable but then I read awful things. I’m hoping someone can give me some recommendations! I live in Illinois. 8 year old Pomeranian, she had luxating patella (not sure how it’s spelled, but where her knee pops out of place). 7 almost 8 year old dachshund. He doesn’t have any pre-existing conditions! Edit: THANK YOU for all the responses!