I had a great experience with Nationwide for my previous dog, who had epilepsy and developed a lot of complications. We hit our plan’s annual limit halfway through the year, every year — and they paid out thousands without much hassle. Genuinely smooth process. So naturally, when I got my new puppy (Alfie), I went back to get a quote. But they quoted me over $200/month. I’m guessing it’s because of my history of high claims, even though this is a totally new dog and policy. I ended up going with Lemonade (for wellness/preventative) and Trupanion (for emergencies/accidents), and I’m paying less than $100 total per month. Just wanted to share in case others are running into similar pricing surprises with Nationwide. Happy to answer questions about my setup!

I’ve been using it for my dog for a few months now and I’m starting to feel uncertain about whether it’s the best option. The claims process has been much slower than expected, with a lot of in review updates and I haven’t received any reimbursements yet. It’s making me a little nervous especially since my vet bills are starting to stack up. I’m just looking to see if others have had similar experiences and whether you think I should stick it out or switch to another insurer.

I hope I'm in the right sub for this but I'm not sure, if there is a better place for this post please let me know. So I got into an accident that I was at fault, I do not have collision coverage, and I still owe about $19,000 on the vehicle. I asked my insurance and without coverage there is nothing they can do. It is not drivable and the air bags deployed. There is heavy front end damage but the rest of the vehicle is fine. I've only taken it to one shop for an estimate because I don't want to keep paying for a tow to get different quotes and they all end up being close to the same amount anyway. The estimate I got was $20,000 to fix it, so I'm not going to be able to afford that, and even if I could I don't see how that would be worth it. The car before the accident was probably worth $20,000 - $25,000 at most. (2022 KIA K5 GT LINE). I have pictures of the vehicle as well but wasn't sure if I was allowed to include those in the post. So as far as I see it, it's going to just sit somewhere until I pay off what I owe. So instead of paying a storage fee to keep it somewhere (my apartment doesn't allow vehicles that aren't drivable to stay in the parking lot), I want to either sell it or scrap it. Whatever I decide to do with it, I want the next tow to be the last. If I can make a little bit of money on it, great, if not then like I said if I can at least avoid a storage fee or paying to tow it several times that's a win for me. Anything I do make would go straight towards paying it off anyway. I'm already pretty screwed, paying on a car that I can't drive so I'm trying to see my options and cut my losses. I've gotten suggestions to declare bankruptcy, sell it, scrap it, keep it, sell all the parts individually, sell it as a whole for parts. A lot of the issue is, I don't think I can sell it, even to a salvage yard, without paying it off first, so what do I do with it until then? That's going to take a long time for me. I can't afford to fix it, can't sell it, scrap it etc. What do I do? And I understand I'm not going to make money on this, I understand I'm screwed either way, I understand that I will not financially recover from this for quite some time. So I'm just asking what is my best course of action to cut my losses as much as possible? Is there a way to sell it before paying it off? Do I need to let the lender know about the accident? Is there a different way insurance can help even though they said they can't? Is there a service or organization that helps with this sort of thing? Should I declare bankruptcy?

I bought my condo five years ago and have Homesite Insurance (according to my recent research, this is not good…). I just filed a claim with them about what my plumber suspects is a faulty toilet wax ring which has caused water damage in the condo unit below mine. Chances are my bathroom will be out of commission for a bit. My question is this: has any one had at least a neutral experience with Homesite? Any tips on how to make sure they do what they’re supposed to? I’m doing my part by brushing up on my insurance policy. Any advice on how to avoid delays is greatly appreciated! I guess I’m just looking for a little hope, lol. Thank you!

Hi all! So I'm in the appraisal process for my homeowners- mine is a hurricane claim (wind only not flood damage). Do they halt processing stuff like ordinance in law while they are in the appraisal process? What about personal inventory items (yes, 5 months since milton and they have done nothing with that)? I want them to see the house stripped down so we still have another month until appraisal. What should I do? I have waited a very long time to replace things. I need stuff like a frige and other essentials. Atleast for the personal items i feel like i should get atleast an "estimate/supplement" thing generated before they start using it as a tool to negotiate paying me less.They said it will be resolved at the end but they have not been forthcoming to resolve anything nor do we see an end in sight. We are kinda going out on a limb and assuming that we are going to sue even after appraisal. It's Florida and this is with citizens if that info is relevant.

UPDATE: they finally replied and sent me another link to update payment + the portal access link. Unsure what I did.. I guess since payment was involved, they prioritised? Anyway now I can look at my plan, submit a claim, etc. And they said the Comms would improve in the coming weeks. Staying with them bec the premiums were the most affordable with them. I've seen posts about odie this year but writing about my situation in case anyone has also faced it. To the people who got transferred over - have you received your welcome email? My policy renewed on the 2nd of January, and I never received a welcome email. I had to take my cat to the vet and got a 1k bill. There's no place to submit a claim. Nobody is replying to my emails. And on top of that, I received an email today saying my payment didn't go through with a link to update - BUT THE LINK WAS EXPIRED!! The audacity to ask me for a payment when I have literally no info and no reply from this company. Nobody picks up the phone. And if the payment doesn't go through, the policy will lapse and that will leave my cat without insurance which is soooo frustrating!!! Has everyone else gotten their account setup emails?? Or even received a response over email?? Their voicemail message says if you email multiple times it will delay the response even more so I'm scared to write them again and again. Advice??

I got a BMW from Auto Trader in October. The garage I got it from was dodgy as fuck but the car seemed fine. After 3 weeks oil all over my drive way, since then been in and out with constant problems. (Engine coolant system failure, new control module, new turbo with new gaskets and turbo actuator). I took the car to my regular garage since the one I got it from was dodgy (I understand now this was a mistake), I phoned the original garage and since I never took it in to them they’re saying there’s nothing they will do. Since Christmas I’ve had the car for 13 days, have it a couple days then in the garage it goes, constant problems. None of this is my fault, the garage has confirmed this, I know how to look after a car. £4,000 roughly in garage costs. Plus the money i’ve been spending on finance etc on a car I do not have. Can anyone please give advice on anything I can do to be reimbursed on some of the money I’ve spend since none of this is my fault and the car is so recently in my possession. I have been in touch with finance company (Carmoola) just waiting for the final receipts from garage to forward them.

This might be a doozy, but here I go. Thank you advance. I decided to get my own insurance (so my insurance wouldn’t be tied to my job in the event of job loss). I searched in marketplace. I entered my criteria to find a plan that covers my PCP, my daughter’s pediatrician, and my medications. Marketplace found me a plan that covers it all and I enrolled in December to start in January. Today I had an appointment with my PCP. As I checked in, I handed them my insurance card, and they let me know he was not in network. Which is WEIRD considering I made sure I picked a plan that he was in. I left and called my insurance. They told me he was in network. They confirmed his address and phone number - it was incorrect. It was his old hospital from over two years ago. I gave them the new information. She left me on hold for a while and came back and apologized, saying he was NOT in network with my current plan. She said since I got my insurance through marketplace, I need to contact them. So she transferred me to marketplace. I’m now on the phone with marketplace. I speak to the representative (who was clearly in a bad mood) and he had no idea what was going on so I had to explain the situation again. He put me on hold and when he comes back, he says that he’s not sure why I’m talking to them when I should be on the phone with BCBS. I told him that I got insurance through marketplace, and I only picked my plan because it was in network with my doctor, which was clearly incorrect! He said that I was not entitled to 100% accurate information on marketplace and it was my duty to double check to make sure my doctor was in network. Which, according to BCBS, he WAS! At his OLD PRACTICE. From two years ago. And he is not now. I asked about changing my plan so I can actually see my physician and he said open enrollment was over and I would have to qualify for special enrollment which we could not do today. He told me to call BCBS again. I call BCBS again and the new CSR I spoke to was even worse. She basically told me to call marketplace. I told her what they told me and she said that was incorrect information and it was up to them. I am on the verge of tears right now. I’m playing this back and forth and I don’t know what to do. Do I make a complaint with marketplace? How do I go about it? None of this is my fault but they’re either blaming each other or blaming me. I just want to see my doctor, man. TLDR: got insurance, was told he was in network, turns out he isn’t in network because of incorrect address on file, and now I’m trapped in a limbo with BCBS and Marketplace and no one is being helpful. ETA - unsure if this is relevant in this situation, but I am 32, in Oklahoma, and gross income is over 100k. Maybe 140.

I have Delta Dental PPO. I get 2 free cleanings per year. One xray per year. Earlier this year, I got a cleaning and X-rays done at one dental office, but they dropped me as a patient because they stopped accepting Delta Dental. For my second cleaning, I scheduled with a different dental office. The receptionist there has been difficult to deal with. I explained that I already had my X-rays done at a different office and only needed a cleaning. She pushed back and said, “How can you get a cleaning without X-rays?” She asked if i can email the xray images, so I contacted my old office and had them send the X-rays to me and then i sent the all the xray images to the new office. After i emailed the xray images, the receptionist said I would probably need to get new X-rays anyway, but that I could wait and see what the dentist says. I explained that I’m only allowed one set of X-rays per year under my plan and that I’m not due for another one until next February. She said, "I KNOW! But how can we provide proper care without knowing what is going on." I reiterated that I only need a cleaning and can wait until next year for another x ray and she seemed to understand but not without an attitude. When I showed up for my appointment, she incorrectly said she checked my insurance and that I was eligible for another “free” X-ray anyway so it doesnt matter. I reminded her that I had already emailed them and dont need them again. She asked what email address?? She couldn’t find them in my chart until I opened up my phone to show my sent messages, then suddenly she “found” them and said never mind. Despite that, they still insisted on doing a single bitewing X-ray and said I would need to return on a separate day for the cleaning. I’m frustrated because I feel like I’m being forced into extra appointments and services I may not need or be covered for. Will I be charged out of pocket for this second X-ray, even though I already had one set done earlier this year? I thought Delta only covered one set annually. Has anyone else dealt with something similar? I also want to add that the other receptionists, dental assistants, and dentists have all been very nice and easy to work with. It's just this one receptionist that is very difficult to deal with.

Healthypaws is raising our premium to $35/month/cat, have had general cat insurance but almost nothing has been covered - their issues (cat herpes early on, recently anal gland stuff) is hardly covered or not at all. Looking at catastrophic/accident only insurance - is this worth? Do you have a company you like/hate less than all the other companies? Looked at PetsBest which is suspiciously inexpensive at $6/month vs aspcapetinsurance at $22/month for the same coverage. Any help is appreciated!