My dog just turned 8 and her insurance with pets best doubled. Where im at financially is not great, im just able to get by with my exisiting bills, part of why i have pet in isurance, for the chance something terrible happens like a broken tooth or torn tendon or whatever may happen. Shes healthy. Has allergies but theyre not on her med record as far as i know. I just am trying ti debate if i should set the money aside each month for an emergency fund for her, rather than pay the insurance fee. My fear is something qill happen before i have a good savings, though i usually try to have $1000 emegency money for pet or car stuff, im not quite there yet atm. I have decent credit so if something happe ef im sure i can do a payment plan of some sort. Idk im just wondering if its worth it anymore at the price theyre expecting. My 3 yo dog is clumsy as hell so im keeping his insurance. I just know theres going to be a day he falls the wrong way and tears a tendon or something hahaha! Any advice is really welcome, im just so broke these days and i really want to find the best option that ensures my pup can get the treatment she may need in an emergency.

I originally signed up for the Chase $900 bonus approximately 18 months ago, but didn't end up depositing any money into either the checking or savings accounts (ended up not having enough liquidity at the time due to unexpected events). They ended up closing both accounts after 30 days with a $0 balance on both. I confirmed this with a Chase representative on the phone. However, he claimed I was not eligible even though I would appear to technically meet the eligibility criteria (account not closed in the last 90 days; no accounts closed with negative balance in the last 3 years; only allowed to receive one new checking and one new savings account opening bonus every two years from the last coupon enrollment date and only one bonus per account). He claimed that I had closed my account too recently, even though the plain text of the offer would seem to suggest otherwise. Has anyone had any experience with a situation like this? Is there something else I'm missing here as to why I might not be eligible? Will Chase let me know whether I am eligible or not when I open the accounts? Or do I only find out when I end up receiving (or not receiving) the bonuses? Thanks in advance for any advice.

I went to an out of network Health specialist. I had 2 visits for around $200 per visit paid via credit card. They told me to send my invoice/receipt to my insurance company and they would reimburse me. I submitted 2 claims to United Healthcare and they were approved as out of network which went towards that deductible. I just assumed that after that approval, a check from UHC would be sent in the mail to me. It wasn’t. I chatted with UHC customer service today and they said to contact the health specialist business to resubmit the claim as in network. Talked to the specialist business representative and they don’t deal with insurance AT ALL. They are out of network for everyone and leave it to the patient/customer to handle insurance reimbursements if applicable. I’m at a loss for what to do now. I know I have to get it sorted with UHC but idk what to say or do at this point. How do I get reimbursed? Was I not supposed to submit a claim? Should I have gone through a different process and submitted something else? I’ve never had to deal with this kind of situation before and I cannot afford to not be reimbursed. Any tips or help would be much appreciated. Thank you!

Hello, I have a very unique situation here lol. I am moving out of state where I will no longer need to use my vehicle. However, I don’t want to get rid of it and my girlfriend and I have planned to let her use it until her lease ends next year to move with me. So - the car is hers essentially in every way but legally and since I am still financing it I know I have to be on the auto insurance. However, the car is going to be used by her primarily and stored at her FL address. I explained the situation to GEICO and they said they couldn’t insure this situation since the car would not be stored at the owner’s address. Is this going to be allowed by any auto insurance or am I screwed aka need to find an alternative way to handle this situation? Thanks,

Location: Arizona Was in an accident and Farmers client was at fault. I had borrowed a car but had to return it. My insurance company offered a total loss on my car that was being repaired which I accepted but I had to rent a car while I looked for a new one (which took a week ) Farmers is refusing to pay for that rental because they said they are not legally obligated to pay for anything after the offer was made to pay for my old car. Is this correct ?

I’ve been scrolling this thread trying to find the best option for mine and my husband’s dogs but it seems every option sucks. We have a 7 month old rat terrier and a 10-12 week old husky mix (not positive on age or breed as we just got her and she was abandoned by previous owner). I looked at spot but all the reviews are terrible, same with ASPCA. My biggest concern is the cost of preventative care like vaccines. Both are due for vaccines and I’m hoping to find a way to lower the cost somehow. Someone please point me in the right direction 😅

I’m moving from Oregon to Los Angeles & my wage is still quite low, but the move is justified because I should go up in salary much quicker in due time. I have to change my car insurance over & my rate with Progressive will go from $133 for comprehensive to about $400. What insurance do I really need in the event of an accident & how can I lower this cost as low as possible? Anyone have really cheap rates with other companies? Car is a 2015 Nissan Altima.

Good morning/afternoon/evening lovely humans. You read the title right, and the only reason I found out was because I'm currently getting my Property and Casualty license myself. I had my life before, and called them out on some shady shit, described below. My apartment with my (21f) and my (now ex) fiancé (23m) was broken into on October 13th, 2024. I'll refrain from details to protect my ex's identity, as well as my own, though this is still my main account. But, a very important detail is he is currently deployed, so I've been handling all of this by myself. I will admit I had to wait until around October 23rd to file the claim, since I had to do a thorough inventory of what was stolen (of both mine and my ex's, as he is unable to help due to deployment). A lot of stuff I still don't know if it was stolen or not, as full boxes of my stuff was nabbed, and I have no way of knowing what was in them as it's been a very long time since I packed them. So, submitted my claim on 10/23/24. Was told on the claim submission screen that I would be contacted in 1-3 business days. Seemed like standard procedure, so I thought nothing of it. Waited. And waited. And got sick, and waited some more. As a matter of fact, my life insurance licensing test was during said waiting period, as I didn't hear anything from Assurant for a WHOLE MONTH. I ended up reaching out to them, threatening to report them for malpractice to my state's Insurance Commissioner if they didn't start taking their job seriously. The first recorded day I have of them contacting me is on DECEMBER 3RD, 2024. So almost a month and a half after I had submitted my claim. After I got into contact with my claim adjuster (we'll call him P to protect his identity) things started moving pretty smoothly, or so I thought. P was responsive, answering my questions and making sure the payout would go to me to handle, as my ex is unable to really help due to his current situation. However, a lot of the gear he left in our apartment was stolen, meaning it had to be on the claim, along with prices for each item. We supplied them with the full CIF NSN list, with prices listen for each item he was issued... which Assurant proceeded to not use, despite adamantly requesting it. At this time, I should also mention I was dealing with chronic tonsillitis, and only got my tonsils finally removed on Feb 5th, and could barely swallow, talk, or really do anything due to how bad it was. I feel 10x better now that they're gone, but being ill was making it harder to remember to do things for the claim. That being said. I was still checking in and asking how Pedro was coming along, to which I was consistently being told that I had to "re-email" things since they "didn't show up". Which I can almost guarantee is BS, since emails are 2 way and I still have all of the info I sent to Assurant, all of which is perfectly legible. However, out of the blue, on January 15th, my claim was transferred to someone else, we'll call him K. K was... A good person at heart, I'll say. However, man was he LAZY. He refused to request his own copy of our police report, which as far as I'm aware, should be illegal, as that opens up the doors for fraud, which I made known to him repeatedly. Even still he wanted me to send it instead of him just requesting it from the police department himself. Keep in mind, January 15th. I had to request a new copy of the police report myself, as I was sent the wrong one when I originally requested the document (and not like to police department did anything about it, even though I repeatedly tried. They hung up on me every time). So I texted K back on the 29th when I received the document (FINALLY). He got back to me on Feb 3rd, stating he'd been out sick. Totally cool, I get it. I had sent it over email, as requested, and again there were "issues" with the document. Even though I could open it just fine through the email. I even sent it multiple times, all of which had "issues". As this was butting up to my tonsillectomy, I had to make K aware I'd be out on recovery. He got back to me on the 11th, giving me a call. I responded the best on day 6 of recovery (those who have had a tonsillectomy know how painful the scab process is), but it was just to let me know my claim had been processed and I was FINALLY getting paid. I had 6 months to claim the money, and as I had to close my bank account due to some financial troubles, I only just this past weekend was able to start the process to get the check. I'll have it by Wednesday, March 12th at the latest. But now here comes the nitty gritty. According to the Property and Casualty Insurance Provisions, "\[The\] payment to the insured or a person legally entitled to receive payment within 60 days of receiving the insured's proof of loss". Unfortunately that's just ExamFX's wording, and I don't know what the official source document is, so I turn to Reddit to help! What would be my next steps, if I were to report Assurant for malpractice? I think K is in the clear, personally, as from the time he was handed to report until payout was within 60 days. But P and Assurant as a whole should be reported for malpractice, at least in my opinion. My inbox is open for any questions, though I will not answer anything personal. I'll also respond to comments as I can. Thank you all in advance! UPDATE: I have reported them to my state's Insurance Dept. I will continue to update as I recieve new information.

Hi, I’m new to this sub. My husband got brinks security system before we got married, few months ago I was going through our monthly budgets and saw $65 for brinks subscription for the cameras barely working and not recording anything when something important happened. For example somebody broke in to my husband’s car and camera didn’t record then I called them and they asked $1500 for cancellation because it’s 5 years contract.. I hung up and was planning to take it to small claim court but some other major life events happened and I didn’t think about it until yesterday when somebody hit my husband’s car in front of our house where the camera supposed to record but it didn’t.. I’m so mad and want to get rid of entire system from our house and don’t want to have any legal attachment to them anymore. How can I do that without paying $1500? Would small claim court fix this? I’m willing spend few hundreds if needed. Location: Augusta, Georgia Thank you in advance to all of you.

I guess my dog just turned 8 according to the age on my Pets Best profile. My monthly premium was $43 and now my bill is $91?? i am newly graduated from my graduate program and going through job fluctuation... wondering if this is worth it given the steep increase in cost. she has been fairly healthy the 5 years i've had her. i've never actually used the insurance policy, i just like having it for my own sake lol because i've invested entirely too much of my own mental stability into this dumb little pitbull. i just did the full senior workup with bloodwork and urinalysis and they said she looks good. if anything dire happens i could borrow money from my family she is my only pet and technically i can afford having only one pet insurance policy. i like the reassurance of having the insurance and it was worth it for me at $43 but $91 has me rethinking