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!

Okay so I have a new vehicle, and I decided to use Root Insurance. Usually the insurance websites automatically add comprehensive and collision when you state it's financed. So I thought it had. Anyway, it was liability only. Now last week there was a hailstorm and it did some damage to the car. Not hardcore but it js noticeable up close. What can I do? All I can do is fix it right with my own money? Will the bank go after me? I'm just so lost right now any advice would be appreciated.

Like many people, I realized Optum HSA sucks and was trying to transfer over to Fidelity. I put in the request with Fidelity to initiate the transfer and saw that my funds were transferred out of my Optum account in early March via a check they send to Fidelity. Fast forward to this week, I talked to Fidelity several times since they had yet to recieve anything and in their words the timeline was odd. I call Optum and they are adamant that Fidelity should have received something and asks to me to confirm with them again by asking them to search by the check number. I trust Optum about as much as I trust the New York Rangers to win the Stanley Cup so I ask them to confirm where they sent the funds. They read off an address and company that I had NEVER heard of (it is a real HSA company though)... I then confirm they received the actual request from Fidelity and they dont need any additional information to execute the transfer since they ALREADY have the information they need... I don't have a huge HSA account so it was less stressful for me but I couldn't help but think how someone would feel with a HSA account with significant funds that they try to move towards the end of their career only for it to go missing. I'd have lost my mind in that situation! PSA: Double check everything and anything with Optum. If something smells fishy, it probably does for a reason.

Hi All, Looking for some advice/experience dealing with pet insurance. I have 2 sister cats, 5 years old. I just spent an obscene amount of money on dental work for one of them and am trying to determine if pet insurance makes sense for me going forward. Cat 1 has had some eye infections in the past, at this point treated but she will flare up occasionally when she's stressed. I'm worried that will be considered a pre-existing condition and won't be covered because she's received treatment before. Cat 2 is the dental work one, and I am anticipating more cleanings in her future. Does previous dental work trigger a pre-existing condition or have you seen that in your experience? She's also getting treatment right now for an ear infection and I'm worried she's susceptible to those as well and that will also be flagged as pre-existing. I have no faith that an insurance company will deal with me fairly, so I'm wondering if it's even worth it if any of these issues won't be covered as they're what I go to the vet for usually. I have a number of options for insurance based on my employer's perk programs. I see a place like Spot will cover issues after 180 days, but then it seems like they only cover $100 on dental cleaning? That doesn't seem like much when for cats they have to sedate them anyway? I'm sort of rambling but I guess my ultimate question is - is it too late to get insurance for these cats because I've been diligent on getting them treatment in the past?

I am purchasing a lakefront second home that I will use primarily as a short term rental in PA (and will use about 10% of the time personally and the home will be in my name). The sellers are transferring to me a low-power electric pontoon boat to go along with the sale. They currently also rent the home and pontoon boat as an optional add-on. The boat rental has been very popular for them and has generated a significant amount of additional rental income that I'd like to reproduce. I spoke to them about how they insure the boat and themselves from liability while renters use the boat. They provided the name of an insurance carrier that they use for the home policy and indicated the same carrier provides a personal umbrella policy that they use to cover themselves for the boat rental. As it turns out, I use the same insurance carrier so I reached out to my agent about getting similarly set-up. However, my agent, after consulting with underwriters, told me that not only do they want nothing to do with covering the boat when used by renters, but that they will not even insure the home as long as the boat is on the premises and now require proof of sale of the boat before they will insure the home even if we were to forbid renters' use of the boat. I'm suspecting that the sellers are operating a very risky operation where they didn't disclose everything to their carrier and they would not be covered in the event of an incident. So, I'm looking for advice for how I may be able to rent the home and the boat but still be legitimately covered by insurance. It was suggested to me that perhaps I could start an LLC, sell the boat to the LLC, and then operate the boat rental arm through the LLC. However, a brief search through chatgpt seems to indicate that because I would be closely tying the optional boat rental into the rental of the home, that I would be potentially stepping into all sorts of issues and the LLC would not function to "limit liability" as intended in its name. Has anyone found a solution to this and could share their experience/advice for how to make this a reality? **TLDR: How do I get liability insurance to cover me renting a low-power electric pontoon boat as an optional add-on feature for the renters of my lakefront short term rental home?**

I am so lost. Three days I received a call letting me know that an accident I had been in over a week ago was deemed to be the other party’s responsibility, and I was set up with the collision center and rental car. Today I receive a call that the claim the other driver made on my policy was found to be inconclusive, therefore they are now saying it’s word vs word and we both are liable???? They asked several of the same questions I had already explained to them. I told them the police did not arrive because I live in a high acuity city which is understandable. I even went to the police department after and they said in Texas they are not required to file a report “anymore”. I left feeling okay since I had pictures and explaining the accident would surely lead to the right solution! i was not at fault at all! 1. Why would they look at this as two separate claims? ( We both have Geico so I thought this would make it easier????) 2. Can they really go back on their word? I asked to

In May, I rearended another vehicle. My fault, I'm a dumbass. The damage was to my left front bumper, which was pushed back into the tire, the left front fender, and left headlamp. At the scene, the truck was not drivable due to the bumper being pushed into the tire, so I called a tow truck. The tow driver showed up and offered that rather than towing, he could hook his winch to the front bumper and pull it out to make the truck drivable again. I was good with that plan and it saved money for the insurance company on the tow bill. A couple days later, I take the truck to the insurance company's DRP shop. I told them all of the above. A couple weeks go by, I go to pick the truck up. They fixed everything EXCEPT the left fender, saying that the damage was unrelated due to a "soft impact". No one from the insurance company ever called to discuss. In reality, the fender looked dented in from partial reformation when the bumper was winched out. But again, no one ever called for the partial denial of damages and just left it to the body shop to tell me. So I filed a DOI complaint citing the lack of investigation by the adjuster. The DOI rep never called me but closed the case, stating that the insurance company did nothing wrong. The DOI letter cited the appraisal clause in the policy, however, at this point I'm more angry about the lack of communication and investigation by the adjuster as it was very shoddy and incomplete work. I also don't think hiring an appraiser would be particularly effective in arguing related damages (but maybe I'm wrong?). I don't think I'm able to sue over damages due to the appraisa clause in the policy but would prefer to sue for bad faith. Or maybe I should just walk away and pay to have my fender repaired? Anyone have experience here or ideas on what I should do?

After a bad summer hailstorm, The ill-informed adjuster totaled my wife's and my only car. It was cosmetic damage only. Car still ran like a top. The adjuster who was not from my state( Texas). Said he "thought" the law in my state was the same as his (Florida). NOT! Now Geico is taking the car because we did not want a "salvage title." So we had to ante up for a different car. I would sue them and have a lousy chance of winning a case. We have been insured by Geico for 20 years. They treated us like a pile of crap. Plus our house was fairly heavily damaged in the same storm (a tornadic microburst.) I have already changed to a different company on the new car. It has been a 6-week long ordeal with the claims process. Pain in arse! Stay away from these crooks! The adjuster was wrong on the law in my state. filed a report with the state insurance regulator. Geico cost us $25K for a replacement car for something comparable to our total loss. Of course, they are not paying us anything near that amount. We were happy with our old car which gave us 50000 trouble-free miles over 10 years.

TL;DR: Employer canceled insurance benefits without notice while on FMLA due to nonpayment, despite efforts to pay. Hi, there. I’m currently on a medical leave of absence from work, and have been experiencing some difficulties with my FMLA/insurance benefits. I’m new to this, so any input would be appreciated! My leave began the last week of December and I’m set to return on 3/24, the last day of my FMLA protection. Since my leave started, my main priority was getting my insurance premiums taken care of so as not to lose my benefits, especially since I’ve racked up substantial medical bills over the course of my leave. I reached out to my benefits department, and was instructed to reach out to a third party (WEX) to make payment, which I did. WEX informed me that there was no balance due reflected on their end, and to reach back out to benefits. This back and forth has gone on for months now. At one point, they told me to reach out to BCBS to make payment, and BCBS acted like they had no idea why I was directed to them in the first place. I’m over 10 weeks into my leave, and have not received a single correspondence about my health insurance until today. Not a phone call, email, or letter. I did, however, receive a bill from WEX for my vision and dental coverage, but nothing whatsoever in regard to my medical coverage. Once I received the dental/vision bill, I called same day to make payment and was told, again, that there was nothing in the system to apply payment towards. Reached out to my benefits department again, and they said they could see the unpaid premium for my dental/vision. Called WEX again, and after escalating and speaking with a supervisor, was told that the reason why I was unable to pay my dental/vision is because the plans had been cancelled due to nonpayment. When I reiterated several times that I’ve been trying to pay for quite some time by that point, I was told that if I mailed the payment ASAP, there is a “strong possibility” they might reinstate the plans. I mailed the check the following morning, and am hoping it works out in my favor. What I’m most concerned about, though, is my health insurance. I spoke to someone in our benefits department in February, and was told that because I’d exhausted my PTO the first half of January, my insurance premium would have been deducted from one of those paychecks. According to the representative with whom I spoke, “January was covered.” I told him I’d received bills for my dental/vision coverage, but still hadn’t received anything for my health insurance. He told me to just wait a little bit longer for it to show up in the mail. Over 10 weeks later of non stop calling and trying to stay on top of things, and I still haven’t gotten anything. I expressed that due to the nature of my leave, I really needed to keep my insurance coverage, and was terrified the third party was going to cancel my policy for nonpayment. He reassured me that the only one able to cancel my insurance would be my employer, and they would “of course” provide me with ample notice prior to that. When I told him it didn’t make sense that I’d receive bills for my dental/vision but not my health insurance, he told me to not worry because my health insurance will remain as is regardless. That my account would just go in a rears and my employer would deduct the unpaid premiums accrued during my leave from my future paychecks once I’m back to work. A supervisor from benefits called me today (10 weeks after my initial call), letting me know that the reason why WEX didn’t have my balance due in their system was because my health insurance was cancelled on 1/28. When I told her that I’ve been calling for help for months now, and continue to get the runaround, she just kept saying it was my responsibility to cover my premiums while on FMLA. When I told her that benefits told me no one would cancel my health insurance without notification, she disregarded it. Same when I mentioned the rep telling me that my account would just go in a rears and they’d deduct the premiums from future paychecks. She told me that I owed for January, February, and March, and that there is a 10-day grace period where I can get caught back up to “hopefully” have my coverage reinstated, but couldn’t be for certain. I checked my last paycheck from January, and the deductions are reflected on it. I’m just very confused because she was adamant I owed for January still too. I just don’t see how they can cancel my insurance: 1. Without notice, and 2. After I’ve made an effort to get it paid since the very beginning of my leave. Someone had mentioned this being problematic because of potential FMLA violations, but I’ve never gone through this before and I’m honestly unsure of the process, and obviously don’t feel comfortable reaching out to my employer given the misinformation I’ve received thus far. Our market is experiencing mass layoffs right now, and I was hesitant to go on leave in the first place because of it. I don’t know if it’s worth mentioning or not, but the day before my leave was set to begin, thought to call Alight just to make sure I was not going to be reprimanded for not coming in. The representative informed me that my LOA request had been cancelled. This gave me pause, as the only ones who knew about the LOA request was my immediate supervisor and Alight. I’d have been no call, no show and subsequently terminated had I not thought to call beforehand. I’ve just been worried so much about all of this, and honestly regret taking the medical leave even though it was necessary. I’ve spent more time going back and forth with my employer than I have with my physicians and it’s been hell. Does anyone have any input regarding this situation? Is this just an HR issue and nothing more or should I consider seeking legal counsel? Thanks so much ❤️

Hey Team, if I get 'ghosted' by an adjuster how would one find their manager's contact information so I can send them an email? This is for Travelers in the Mid-Atlantic Region USA. Still haven't gotten any reimbursement for my personal property after a fire... and several attempts to contact them.