I have a two year old mixed breed dog he has been on Fetch pet insurance since I adopted him as a puppy. I was paying about $25/month. The first year I did not make any claims so it did not increase. This past year I did have to make about $5,000 in claims which led to an IBD diagnosis. I have not made any claims since then. I just got my renewal notice and the new monthly cost is around $60/month. This doesn’t seem reasonable for the low coverage limit I have. This seems like an excessive increase. Is it worth switching pet insurance to something that has better coverage and is less than half the price but won’t cover pre-existing conditions and just saving the extra money for when it’s needed? What would you guys do?

I have a 12-year-old corgi who is very healthy (just had his exam and he’s in great shape) and he’s been insured by Lemonade for several years. I always have paid more in premiums than claims, and that’s fine. Insurance is about covering the unexpected. I got his insurance renewal from Lemonade and they want to increase his premium from $150/mo to $220/mo. I mean, I get it, actuarially he’s a higher risk. It’s been going up really fast. I’m thinking of instead of paying the $220/mo, just putting the monthly amount into a savings account and just save for when those big expenses come. Has anyone done this, successfully? I figure that lemonade is going to keep increasing the premiums to levels that are unaffordable and do want to push me out of the system. But I want to cover the unexpected somehow. I cannot switch carriers because no one is going to insure a 13-year-old dog. It’s either stay with them and throw money at premiums or start saving money for the future.

They advertise they never raise rates due to age. I got insurance when my dog was a puppy and in the two years ive had her the rates raised annually from $40 to $50 and now $60. It sure seems like they raise rates based on age, unless you are telling me that vet care has increaed by 50 percent in my city in the last two years. Even in the very email they sent about the rate increase, they said "Trupanion is unique in that we never increase your monthly cost because you’ve submitted an invoice or because your pet ages. "

I've had AAA insurance (home/auto/umbrella/roadside assistance) for 10+ years. I liked my local office/agent who was responsive. A couple years ago she died of cancer and now I am a "house account". Since then it's been much harder to get timely responses from the local office when I need to update insurance needs - new cars, etc. I've handled this by calling corporate customer service if I can't make changes online myself. My question is I've heard being a house account is bad because the agents don't get compensated for helping you. Is this true?

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

Hi all, years ago my brother was hit by an auto while he was on a bicycle. His auto insurance (State Farm) covered the meds r/t accident and any appointments. Every few years they would send him in for a reevaluation IPE so this time the person that did the Psych evaluation said he was over exaggerating his issues and that even though he has a traumatic brain injury he no longer qualifies to have his medication covered. He deals with/ depression, headaches, insomnia, the only med that is being covered is for his antidepressant. Im not sure how to advise him. Do we go back to the original attorney? Do we fight it? If so, how does that normally play out? My brother's accident happened over 15 years ago. He was not at fault. Even though all of his testing showed significant damage and he has never returned to his baseline, has poor memory, can't think when there are loud noises, and is now doing "manual" work vs. owning a business that he had to give up. Any help would be wond

Hi all, I have two 4-year old cats on Healthy Paws pet insurance. I've seen the recent posts here regarding horrendous premium increases with HP, and am wondering if I should try to switch companies before my cats get older. My cats are healthy and I've never made any claims. My premium is currently about $80 for both cats (and yes, it did go up a good bit this year). I live in California (yikes). My major concern is that one of my cats has a history of struvite crystals in the urine. He's never had a blockage, a UTI, or any urinary problems - it was an incidental finding on pre-op labs before a dental cleaning. He's been on prescription food since then and the crystals have cleared up. But I know this would be considered a pre-existing condition if I tried to change pet insurance companies. My question is, how broad might this exclusion be? Would I potentially never get covered for anything urine or kidney-related if the insurance company tried to blame it on the history of crystals? And if there's a risk of that happening should I stick it out with HP (maybe the premium increases won't be as bad for cats?), or still try to switch? I do not have access to an employer-sponsored MetLife plan covering pre-existing conditions. I've read some companies might cover certain pre-existing conditions if they have been treated and symptom-free for over 12 months, would that potentially include my cat's history of crystals? Appreciate any opinions or advice. Thanks!

It's a 2022 Genesis g70 RWD fully loaded prestige package and they offered me 31500. Kelly Blue book gives 31500-36000. Is it worth hiring an appraiser to raise the price? The adjuster doesn't seem to want to budge.

I am trying to move my HSA out of Fidelity for a previous job, since they will start charging fees. When I tried to open a Lively HSA, I got this message. Has anyone else run into this before? Any theories why I might be getting this? \--- Thank you for reaching back out to us. After careful consideration by our accounts team, we have determined that we will be unable to open an account for you and have no further information we can provide. There is no further need to contact us about this as our decision is final. We consider this issue closed and will not be responding further. Thank you for considering Lively, we truly wish you the best at finding another HSA provider. EDIT: I just contacted Fidelity, there are actually no fees! I'll be keeping it as it is.

I need some opinions on what to do. This is an odd situation. In past “pay up front cash” dental visits, the dentist offices, with a week or two, returned to me the covered expense/reimbursement from Blue Cross after they submitted the claim. However, this time, I went to an oral surgeon bc I needed a molar extraction that was complicated. I paid $1800 up front on credit card no problem. I would’ve paid double that with all the pain. About a week later I saw that I was covered for ~ $500 on the claim. A check was sent to oral surgeon’s office. When I called them they told me they were processing it and to be patient. This was a couple MONTHS ago. I last called on Monday 7/21 and was literally told, “check’s in the mail”. That’s pretty funny, especially since it is now Friday night and, of course, no check. Something quite fishy about this. I wonder if Blue Cross can do something. I’m interested in thoughts on this. TIA!