How is acupuncture not “alternative and holistic” but PEMF is? I’m treating hind leg pain and arthritis in my young dog, was recommended to get PEMF involved, but I just checked our policy and it’s not covered. Anyone have any success with appealing PEMF coverage? I’m sure that I’m out of luck as it’s specifically excluded in the policy, but I’m wondering if it’s worth pushing for with a vet note.

Hi everyone, I am posting here because I have had a very frustrating experience with my auto insurance with statefarm and am looking for some advice. I am currently a graduate student in Florida so things can be a little difficult when it comes to have to budget with this huge bill I have now. Basically I have had statefarm since August of 2024 and the first 6 months of premium was fine, I paid all my bills on time and when it came to January 2025 when my new auto premium renewed I had increased slightly my premium but the difference in my monthly payments were around the same due to the discounts I got. Then somewhere in February I found out I had been dropped from the insurance due to a balance of a surcharge for policy change that I did not pay for. They then dropped me without notifying me so I found this out a little later. Throughout the few months from February from when I found out I was dropped to July (when the 6 months premium ends), I have been trying to reinstate my auto insurance back because I feel a little anxious driving in Florida without having an insurance active. The insurance agent office was super hard to reach, I had to re-explain my situation multiple times because the person most involved with my case was never available to talk, and they always said that they are working on it and that my insurance is still active and will get back to me regarding the balance/bills which they never did. I had to keep following up and finally in June-July ish, they had my policy reinstated. But now I have this giant bill where I have to pay both the remaining balance and the new insurance premium monthly. The insurance agent told me that the remaining balance was about $380 spread over 3 months and I had paid for the first installment already so I should have 2 more months of whatever was remaining of $380. After that first payment, I decided to switch over to another insurance agent because of their lack of communication and how long they took to process things. I think this was my mistake then because after switching over, the new insurance agent said that my remaining balance was about $500 remaining still even after the first payment that I have made towards the remaining balance. Now because of this issue, I have to be paying $300 per month (remaining balance spread over a few months + current insurance premium for the month) and I feel like my previous insurance agent had screwed me over? Is my only option is to just suck it up and pay the $500 like they said? I am just very upset because they also never have apologized to me and made me feel like I was at fault as well. I tried to switch over to another insurance company but I have not been getting better rates (car insurance is ridiculously expensive in Florida) and I rarely drive (last 6 months I have only driven 2300 miles) and I have to be paying an enormous amount ($128 per month) for me to be barely driving.

Hi we have progressive as for our auto insurance we had an accident and it raised from $2000 to $4000+ for our premium and we added 2 more cars didnt really save us money like that. We pay almost $800 monthly for 3 cars. I just got licensed in CA so i dont have a driving record yet. (I was from another country) I was trying to get a policy under my name. I dont think I can since theres not much driving history. My husband has a dui from 9 years ago and we cant get geico. Were running out of cheaper options. What can we do or has anybody had this issue and what did you do? Where can I shop around for auto insurance.

I was rear-ended on the freeway (not merging, just came to a stop in traffic and the guy behind me... didn't stop). We exchanged info, I got an estimate from a bodyshop, he opened a claim with his insurance (a Progressive subsidiary). I also alerted my insurance that there had been an accident but did not open a claim. Now I got a message from Progressive asking me to answer questions about the accident. I know them asking for an account of the accident or even coming out to see my car is standard - but they require me to agree to arbitration and a bunch of other terms before even seeing what the questions are. I have no confirmation that the other driver filed the claim assuming fault for the accident so agreeing to all of Progressive's terms seems wrong before having more information. I would be fine emailing photos, my info, and an account of the accident to an agent but the other driver says he doesn't have the info of the agent assigned to the claim. Is it all automated to the point where there is no person that I can communicate with outside of this form?

I am getting a crappy rate on my so-called HSBC "loyalty" ISA and want to move it to 212. When I go through the steps in the app, it connects to my bank account and opens my HSBC accounts, but my loyalty ISA is not there as an option to transfer from. All my other accounts are showing? Can anyone tell me what I am doing wrong here?

Wife got into an accident. She was stationary at an intersection. Other car turned into her. Our car 2013 Elantra suffered a cracked bumperl We took it to Maaco ..they estimated 2115 or so. Progressive accepted responsibility. Like a fool i verbally told them I would accept cash settlement, They sent me their estimate which was $915..yikes....havent received check yet.....do I have any recourse?

My wife and I recently opened a BusyKid checking account for my 8-Year Old son. We fell for the advertising for kids bank accounts online. BusyKid (BusyKid.com) advertises that they are a smart way to teach kids banking. For an annual fee of $48 (obviously high for a checking account), they have an app that allows parents to manage the child's money, set amounts they can earn for doing certain chores, etc. Kids even have the ability to send money to charity or invest in stocks. The app is fairly user friendly as well. The app i thought justified the high annual fee.... My son used the ATM for the first time yesterday. I had to show him step by step how to use it. The first question the ATM asks is if you'd like to see your balance. I encouraged him to select yes, so that he can view his balance before withdrawal. Today, we were reviewing his transaction and realized that BusyKid charges $1.00 for a balance inquiry and $1.50 for a withdrawal (on top of the ATM fee). To say that this shocked me is an understatement. I mean this company advertises that is protective of child spending. A fee for balance inquiry? My 8-year old does not have a phone. How else is he to check his balance? For whatever reason, I glossed over these fees when opening the account so thats a shame on me. But still, this seems predatory. For a company that is aimed toward minors, unneccessary fees like that is infuriating. Anyway, that account is closing today and I am going to do everything I can to alert people of this fraud of a company. TLDR: BusyKid charges fees for Balance Inquiries and ATM withdrawals to minors who dont know any better. UPDATE: I want to make clear that I take full responsibility for opening the account, and I wasnt duped into signing up. The fee's aren't hidden, quite the contrary, they are right out in the open as we were emailed a notification of the charges. It is only a $2.50 mistake, and also a little life lesson to myself and son to read everything before signing. Hopefully BK gets rid of those fees because everything else is really attractive for managing a younger kid's money.

I have a six-year-old lab mix (50 lbs) who is in good health, but a couple months ago, she was limping a little bit and had an x-ray in which the vet I saw said there was some minor flattening of one of her hip joints. I have a family member who is a vet in another state, and she said from the scan she saw, there was nothing worth noting or treating and she seemed to be in perfect health for her age. She’s also stopped limping entirely about a week or so after that appointment. However, I know that the vet we saw does have it in her chart. I tried to file a claim on this, but as with literally every other claim I have ever made (nothing serious or crazy expensive so I let it go), it was denied. I have had Figo since I got her at 1.5 yo (rescue), but the same plan that I still have since I signed up shortly after adopting her started at about $25 a month, and now is creeping up to almost $125. My annual renewal date is mid February, so I have been thinking about making the switch. However, I am wondering if because of this last visit, if she were to develop hip dysplasia later in life, they would use that as an excuse not to cover anything. Barring any accidents or random injuries, it doesn’t seem at this point that anything else is concerning or showing signs of future problems at this point. She’s an inside dog and has always been up-to-date on her shot and flea, tick, and heartworm meds. The vet did bloodwork when I took her in for x-rays, and everything came back crystal clear, as it has any other time she has had blood work done. I’ve just become increasingly frustrated with Figo given the price hikes every year and their refusal to accept anything. I feel like I’m wasting my money, but don’t want to get screwed over later on if a new company sees it a pre-existing condition. But I’m also too anxious to not have any insurance at all. Anyone have experiences similar to this? Any advice? Do I just tough it out and keep shelling out the cash just in case? I know I should have probably switched years ago, but here we are.

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