My gf (f21) is currently insuring a 2019 gmc terrain for about $225 a month, however she got her March bill and it has more than tripled to $1200+ dollars for this month. Continuing months will be about $800, she has made one claim about a year and a half ago. My question is, is hasting mutual required to give notice of a premium increase and a reason for such increase?

My almost 6 year old German Shepherd most likely has bone cancer. I’m very impressed by how Embrace has covered us following an almost $6,000 two night emergency vet visit. We have follow up appointments scheduled to get clear answers and treatment options and I was thinking I was grateful that our policy renews in December because I’m almost at my yearly max already. But a coworker pointed out that it’s very possible they might drop us when it’s time to renew our policy. Has anyone experienced this with Embrace?? I’d like to be mentally prepared if I’m going to have to go out of pocket starting in December. *pic of me and my best friend for tax

My dog has been with Trupanion for 5 years. She was healthy as a horse when we switched her, so I thought we were in the clear for no pre-existing conditions. Obviously, naive. Anyways, they are rejecting all tooth extraction claims because a vet wrote "mild tartar" one time in her records 5 years ago. The vet never said anything to us about her teeth until this year, when they told us she needed extractions due to bone loss in her jaw. The vet says it should be covered, but they rejected the claim and I am not holding out hope for the appeal. I am considering switching her to AKC. They won't cover her teeth either - but I can get a high-deductible plan with hereditary plus coverage for $70 per month. It would cover pre-existing conditions after 365 days, according to the person I spoke with. So I could save over $30 per month, that could go towards her inevitable future extractions. My thinking is that I now understand that the insurance companies can turn anything into a pre-existing condition post-hoc. I don't trust Trupanion to not do that again. At least with AKC, they cover pre-existing conditions so if she ever got cancer on her ear, for example, it wouldn't be excluded just because she had an ear infection in 2020. Is this thinking sound? Has anyone switched to AKC and could give some advice? https://preview.redd.it/8r3nxzh7yqke1.jpg?width=4080&format=pjpg&auto=webp&s=5bdb9dc183f9cb9d286aec2404203e53dbdbe5cc

Hi. So I purchased a new car and am within a year of paying it off (I’m paying it off ahead of schedule) when I was at the dealership it was required that I had full coverage until the car was paid off. Now my question is, what could Honda do if I change my insurance company (I’m currently with the useless all state) and change my plan to minimum coverage?

Been with Healthy Paws for quite some time. They were great during the life of my senior dog that recently passed away. I have another senior dog whose rate just increased by an insane amount and have been debating whether or not I should keep paying it or just cancel and set that money aside. She does have pre existing conditions so unfortunately getting her on a different plan seems pointless. I have a 8 year old cat with no pre existing conditions and a 10 month old dog. I would like to have them on pet insurance but I feel like every company I research there are some good reviews and then horrible reviews. Is pet insurance even worth it anymore? Does anyone have any good companies they would recommend? Thanks.

Not your standard switching question, honestly. My partner got a job that offers metlife so our 2 dogs are eligible to switch over to metlife from our current insurance. We have petsbest currently. I already checked and there's no concerns about it being my partners work (and only I am currently on my the petsbest insurance). I spoke with metlife on the phone extensively so I can switch anytime basically, i'm mostly wondering reasons I might want to stay vs not. Both my dogs have quite a few medical conditions and Petsbest has generally done due diligence. I insured my pit mix in Jan 2022 when I got him and they've covered almost everything. (Annual premiums: 2022 was 460, 2023 was 560, 2024 was 725, and this year was 1032. 250 deductible, 90% reimbursement, unlimited level). They denied only one claim. They denied something and considered it alternative. Even tho it's supplied by a teaching hospital, has studies, and the doctor wrote a huge letter explaining why it was the only option for my dog (my dog has multiple concurrent co-morbidities). They still said no. I asked before hand but they wouldn't pre approve and when I said I was concerned bc it was a big bill they just said I could always appeal. I did, and even with a super detailed letter, nothing. However, he has MANY medical conditions- allergies (on apoquel, immunotherapy, regular derm visits), anxiety (on a couple medications), hip dysplasia/OA and IVDD (on meds and may need surgery). So they've more than paid for his medical conditions. Second dog we adopted in Sept 2024 and she was a 500 deductible, 90% reimbursement and 816/yr. Ended up in 12k in bills between emergency surgery, post op complications and follow up labs. They've paid up. We had to appeal one thing but successfully this time. Petsbest has been fine and paid and processed, though slow, which is fine. I'm mostly considering metlife as both dogs are on prescription foods and metlife will cover wellness care. I could get both dogs annual dentals (which i always planned to do, but was considering pushing it out to 1.5 years out when I'll get a better dental price at a new employer), get tick and flea prevention covered! (200 for one dog, 220 for the other). The prescription foods for the dogs run me about 70 every 1.5-2 months. I'm seriously considering it but feel like there may be something I'm missing. The company confirmed they'd cover rx food even tho petsbest doesnt, btw. Same with dental cleanings. These were their quotes and I was planning to go with the most expensive one, tbh: * Family plan: 250 deductible, 90%, unlimited was 2108.92 without wellness  * With wellness: 2938.44 * Family plan: 500 deductible, 90%, unlimited was 1783.25 without wellness  * With wellness: 2469.98 * Family plan: 250 deductible, 80%, unlimited  * with wellness: 2047.84 * Family plan: 500 deductible, 80%, unlimited  * with wellness: 1728.52 Would love any insight and opinions.

We’ve had Haalthy Paws since my two dogs were puppies. One is now 11 and one is 7 or 8. I just got this email that our monthly premium is increasing to $650 a month!!!! We can’t switch — they have preexisting conditions. This feels predatory. Is this legal? Has anyone successfully negotiated this?

My pet insure Nationwide discontinued our pet policy. My dog a 4 year old Labrador has preexisting allergies. Trying to find the best pet insurance. Any ideas? Our vet does not use Pet Assure. Update: Nationwide reinstated my policy but only at 50%. I will take it since my dog has allergies.

TN/ Progressive So i damaged my car a few weeks ago. My insurance sent my car to a body shop. Body shop had stated needing to disassemble the car but like also needing to wait for a mechanic to do so because if something was wrong the mechanic would need to fix it. Issue is they don’t have an in house mechanic and parts needed to be ordered. The mechanic didn’t come in after parts arrived until a day or two later. Now as they are fixing it, they need other parts ordered. This is quoted to take a whole extra week after 2 weeks with my car only being actually worked on a few days ago. A friend said I should express more frustration and should get some sort of compensation. I’m not sure what kind to expect or from who. I feel like my insurance should have sent my vehicle to a place that would have properly fixed it at the quoted time which was a reasonable time frame. But now it’s quieted for a week later and interfering with tracking I have. Can I get my insurance to pay for a rental e

This may be an easy fix but I’m all kinds of jumbled and need someone to explain it to me like I’m 5. I have Anthem Pathways through the marketplace. We used a company to help us get that insurance. So already my mind is boggled…so many moving parts. I have an account on Anthem that lets me see EOBs for myself. These EOBs are important because I use them to upload to the company I mentioned before in order to get reimbursed through my workplace. Still with me? I want to be able to add my son’s EOBs because that will help us reach our family OOP faster. Problem is, I haven’t been receiving his EOBs. I figured I would add him as a dependent on my Anthem account and could get those. No such luck. After looking and looking for a way to do this, I emailed Support. They told me that since I have a plan through marketplace, I need to call something called the Exchange?? What is that?? And that they will review something, send it over to Anthem, and then I can put my son on and see all his info. Please break this down for me. What does it all mean? What do I need to do in order to get his EOBs? Why is this all so effing complicated? I hope I gave enough info. Please let me know if there is something missing that could help me. Thank you so much in advance.