My puppy recently got a tick bite and showed positive on Lyme disease after testing. Did more testing to see if treatment is required. Pet insurance denied my claim because I didn’t buy him the vaccine for Lyme disease offered by Vet. I have bought both internal and external de-wormer through Vet and PetSmart with records. I am trying to appeal this but want to know if I am supposed to buy that vaccine at the first place? Am I supposed to buy anything Vet offered to make further claims approved?

hello! i recently got lemonade for my 4 month old kitten. since then, she’s had a UTI or what seemed like one, they couldn’t really tell because she’s very tiny or something like that. i submitted my claim the ends of october and had a follow up on november 1st. the month is about to end and our claims combined to a total of 1.5k~ ish. we have not received our reimbursement yet even with all of the paperwork sent in. lemonade status is just “in review” and usually, id be patient and we have been but sometimes this money could be used for bills or going towards food or another visit if she ever got sick. it’s just infuriating emailing and getting the same automated message of “thanks for being patient.” i dont know if this is a universal experience with every pet insurance because its my first time having a cat ^^ but if anyone can recommend any better service pet insurance or if you’ve had similar experiences let me know!!

I have Allstate homeowners insurance in Southern California. I heard a noise in my kitchen a little while after I started my dishwasher so I went to investigate. I found my kitchen floors were covered in water. I finally realized it was a burst water inlet pipe underneath my kitchen sink. I’ve been trying to get a hold of my agent but he isn’t available today. I spoke to someone through Allstate and was told to call somebody out to mitigate damages. I’m afraid to have somebody come out and tear up my kitchen if the insurance is not going to cover it.

I filed a water damage claim a month ago and have not gotten any sort of compensation or even an update on the claim. They sent an adjuster out but I have heard nothing since besides they are behind on claims right now. I have called several times a week and my agent/adjuster does not pick up besides one call back saying they are behind and to sit tight. Is this standard for State Farm?

Ok so this is totally my fault for not reading the policy documents, but the Trupanion deductibles are PER CONDITION, not annual. This means every time your puppy visits for a new condition, the $500 restarts. The idea is that once the deductible for a condition is met, your pet is covered for life for that condition without having to meet deductibles again. Our puppy had splinters stuck in his tonsils and had to be sedated to have them removed. The total bill was $750, and between "examination fees" and the new $500 deductible (we have already submitted claims for other things), nothing was covered. Here is the kicker, they not only didn't cover the examination/consultation fee, they also denied the "esophageal examination" which was the procedure to pull splinters out because of the word "examination". Here is ANOTHER kicker, if something gets stuck in his throat again, it would be considered a separate incidence, so the $500 will restart again! If your puppy gets giardia, it clears up, and he gets it again in 3 months, guess what, the $500 restarts! I can see that this would be a good policy for older pets with chronic conditions, so you don't need to meet deductibles every year, but for a healthy puppy who gets into accidents from time to time, every incidence is considered separately, so mostly likely much of your expense will not be covered! I'm switching back to another insurance that my 5 year old girl is on. I wanted to try Trupanion because I kept seeing ads for it, but now I'm going to switch both of my pups to be with the same company while my puppy is still young before "pre-existing conditions" develop.

I recently signed a lease for a new apartment. I currently have AllState, however they don’t allow Landlords/businesses to be additionally insured under my policy. So what insurances do allow landlords to be additionally insured? NOT an additional interest. I can’t find any information on this! And every customer support/agent I talk to gets very confused.

I recently ran into some medical issues and just got my blood sent in for testing, which my office said they'd run through my insurance. Then today at work my coworker got a call from her doctor saying that her appointment had to be rescheduled or cancelled because her insurance policy came back as having been cancelled. I immediately went to check the status of my insurance and found that it had been "termed" as of a month and a half ago. According to my insurance provider, I have no medical, dental, or vision insurance. My paychecks are still having money pulled for insurance payments and I received no notice of a cancelled plan (checked emails, messages, and physical mail) but when I call my provider they tell me I'm not insured. This is the same for every other coworker I've spoken to this afternoon. I've already reached out to my employer about this and am waiting on a response, but my question is: if my medical bills come back higher because I'm "not insured", am I legally able to make my employer pay for the difference as it's their responsibility to maintain my (and my other coworkers') health insurance?

I had to get ambulance twice between that time my job switched insurance company. Incident was in 4/2024 while I had old insurance, I just got an invoice this January. First notice, now I have new insurance and they aren’t covering it but I have one from January and my new insurance is covering. How do I go about this? I should have been got an invoice from the last year event that happens all the way in April, and just got both because I had an incident in January of the new year.

So a few years ago Freedom Mortgage bought my Mortgage from Veterans United. I qualified for a VA rate adjustment at some point down the road and they were very helpful to set up a payment system where I am paying money every two weeks shaving years off the amortization schedule. The problem arose when we had water damage to my house during a storm. After getting the insurance figured out, there was mold involved which made things tricky, I had a large check which was going to be used to pay the final contractors to put the house back together. The check was sent to me, I signed it and sent it to Freedom because it was large enough to require the involvement of the mortgage company. The problem arose when they kept moving the goalposts and demanding more paperwork, more inspections, and more reports. After nearly two months of providing them with everything they finally cut a check, for less than the originally cited amount. I was told the amount was less because they withheld money which had already been paid. They said if I wanted more money I could either give them an itemized list, down to the nails, of every penny I am asking for or get an inspection at my expense to confirm the work hasn't started. Freedom is holding my money hostage and making every step of this process impossible. I cannot stress enough to get as far away from this company as possible. The only reason I am still with them is my 2.25% APR. The scariest part is their inability to tell me what they are going to do with the extra money once we are done.

On June 10th I was rear ended while stopped at a red light by a woman who was texting. She got out and immediately admitted fault and the incident was caught on my dashcam. Now, two months and ~$20k worth of repairs later, I have my car back. I drive a 2024 Kia Sportage, roughly 18.5k miles on it, top of the line trim package. Prior to the accident the car was in perfect condition. Geico (her insurance provider) has offered me $5k in diminished value. Is this worth even bothering with negotiation, or does the little guy always lose?