Their advertising is downright misleading. Your premium does not go up as your dog ages. Sure, it does not, they find other mumbo jumbo to achieve the same thing. My premium has gone up 40% over the first two years (our boy was signed up as soon as we brought him home). Before deciding on Trupanion I did fairly extensive modeling based on real time quotes from them and their competitors. Trupanion came marginally ahead IN THE LONG TERM despite having substantially higher upfront premiums. The price increases I have experienced make the previous analysis null and void. I am looking for an alternative. Could people. With long term experience (ideally senior dogs) comment on possible alternatives? Thanks

Just a rant from your friendly neighborhood pet insurance claim adjuster: Disclaimer: I am not speaking for the company I work for or the brand. Some of these things are not universal to all insurance companies, so you should read your policy documents and not take my word as gospel. I’m trying to help ALL of us have a better experience here. *bow* Welcome to my Ted talk. Sorry for any typos… I’m human.. contrary to popular belief. For starters….Please. For the love of god. Attach your invoices, and make sure they are itemized and paid in full. No- the credit card receipt doesn’t count. We need itemized invoices. No estimates don’t work either. PAID IN FULL, ITEMIZED INVOICES. Also- while we’re on the topic of invoices… be sure that invoice says the pet name, hospital/store/pharmacy name and is for the actual pet on your policy. If your pets name changed- for the love of god, notify us. My crystal ball quit working a longgg time ago. No a random CVS/walgreens/costco receipt doesn’t work. It needs to have the med name on it if it’s for a medication. Do you think your car insurance would just take some random Walmart invoice that said “ASJEUDH875” and trust your word that it’s for the car? boAbsolutely not. Do not expect me to accept it either. Stop asking if you should appeal a decision and just do it. You are within your legal right to appeal a claim decision if you do not agree with the outcome! This does NOT mean it will be automatically overturned in your favor. Claims adjusters are humans too and we can make mistakes or misunderstand or misinterpret something! A lot of us are previous vet techs, assistants, etc. but some of us are not and may not fully understand disease processes without the medical records being abundantly clear. Also- some of these vets medical records ABSOLUTELY SUCK and we are rarely (emphasis on RARELY) able to get in touch with drs to get clarification. and when we do?! They are rude as hell and want nothing to do with us. You know how it’s nearly impossible for you to speak with your own vet and you pay them? ….yeah they absolutely won’t talk to us. Also- be nice in your appeal letters. I don’t need to have you threaten sicking your lawyer on me. And honestly- we make fun of you behind the scenes when you act like an animal and try to use big words that you don’t understand. Again- we are human. Give us the opportunity to either make it right or to explain to you why we made the decision that we did. Let’s allllll act like rational, civilized adults here. And guess what?!! If you still think we’re wrong- there’s second level appeals and sometimes even third level. Most companies also offer an independent review after so many appeals! So just chill the hell out and let’s work through it together. Don’t get me started on the old school vets who still have handwritten records and invoices…. Speaking As a former vet tech, it should be illegal. If you have a vet who still hand writes their records and invoices… it’s time to find a vet that lives in this century. You really think your pet is getting the latest and greatest care when their DOCTOR can’t (or can’t be bothered to) figure out a computer? Let that sink in… Do not make us ask for records when you file your first claim. Just send in the required amount per your policy (typically 12-24 months of previous records. Read your policy). It slows the entire process down, we get frustrated, it wastes our time (and your time) and everyone involved is sad that the claim can’t be closed. Then you- the insured- throws a massive fit. Just do what’s required of you in the first place. Let me be so crystal clear on this. I WANT TO CLOSE YOUR CLAIM. I want so badly for your claim to be closed quickly and quietly. My production at work is measured in the number of claims I CLOSE. I do not get credit for the ones that get sent for records. I do not get credit for the ones I have to wait for payment information. I do not get credit for the ones that are not workable yet. Also- in that same vein. I WANT TO COVER YOUR CLAIMS. I want to pay you out money. In fact- we are trained to look for ways to pay you. It’s more work for me to deny your claim than it is to cover your claim. There is paperwork and explanations and it’s a whole process to deny something. I am lazy AF. I don’t want to do all of that if I don’t have to. However- when an insured doesn’t understand how their policy works and then opens a policy for their dog that’s had raging allergies its entire life and then files a claim for the same allergy medication the pets been on forever… come on people… HELP US HELP YOU. Edit: One more thing to add! If you have the ability to put what the claim is for when you file it (ex: ear infection, vomiting, ate a sock, hit by a car) it’s so much easier and quicker for us! I am usually able to process claims by the description as long as the invoice seems to match up with the claim description. If all you put is “see invoice” or “illness” then I have to request records to confirm the condition and that takes up so much time. Give us the information up front! Again- help me help you! ❤️ I’m sure there is more that I could go on and on about. But honestly this is long enough at this point. Who knows… maybe I’ll add more at some point. What do I want you to take away from this? Help us help you. We want to help you. We wouldn’t ask for something if it wasn’t important. And we are human beings too. Please be kind. Small favor: please keep attaching pictures of your pets when you submit claims!!! We share them amongst ourselves and it really reminds us why we do what we do! It’s nice to put a furry face to the names we are helping! And… who doesn’t love staring at cute ass animals all day…. Feel free to ask questions! I’ll try to answer. Don’t get nasty- I won’t entertain you if you act like an ass.

A friend is in a fix - seeking to get some expert's thoughts here: Is there an option to close 403b? who to ask? Should it be the company (Fid in this case) or the benefits team. unfortunately he worked for a short term in a school summer position and saved 400$ in 403b. did not know that there will be a fee of 70$ charged every year ( ridiculous amount ). No longer doing the job but will be a student another few years. Fidelity says benefits has to terminate the employee status and only then funds can be taken or account closed. benefits say they can't terminate until he remains a student, even if not doing the summer job. The balance now is 330$ :( He's quite upset understandably. Pretty soon will come 0 if no action taken What are his options? Fidelity chat isn't helpful and say cannot close since he is still active in status. It is a mistake hoping to save, without realizing the fee unfortunately. Any thoughts or suggestions? Thanks

I have a Chase credit card that I rarely use. The account is set to auto-pay and usually, the only charge each month is a single subscription for which that card is set up as the payment method. I recently logged into my Chase account and noticed that I am being, and have been for years, charged $16.99 a month for an HBO Max account. This totals in the ballpark of $1,000. Here's a brief summary of what's happened so far. **Background:** * I had been subscribed to HBO Max years ago, but I was pretty certain I had canceled that subscription around 2020 * Still not wanting an HBO Max subscription, I logged onto my account with the intention of canceling it * As I had originally expected, my account did not have an active subscription * I then attempted to log in with all other email addresses I have, but none of them were associated with HBO accounts **What I've tried:** I contacted HBO support who attempted to locate the account. I shared: * All known email addresses * The account information of the card being charged * CC statements showing the charge on my account HBO support was unable to locate any active account associated with that payment information and then basically washed their hands of the matter. They instructed me to dispute the charge with my financial institution and have not given any guidance on how to move forward with HBO. This doesn't feel right. Given the fact that they can't locate the account, it seems to me that they have been erroneously charging me for an account I don't have for years. I would certainly like that money returned to me, and it doesn't feel like my financial institution should be responsible for this. Granted I should have paid closer attention to my financial accounts, but I was being charged for a service that I didn't purchase and that was never provided. **My question:** What course of action would give me the best chance of getting all, or at least some, of my money back? Should I pursue this with HBO further, file with a consumer protection agency, or just dispute with Chase?

I decided to go with progressive when I purchased my new car in march. I paid $850 for my 6 month plan. I just got my renewal and they want 1400!! I used the snapshot and got 4/5 start, haven't had any tickets or accidents since I started with them. I hit a deer in November of 24 but that was report on my first plan so what's making my rate so high? I got on their website and did a quote for myself (including the deer accident) and it said $700 for 6 months.

Location: Toronto, Ontario CANADA 🇨🇦 A representative from Scoitabank assured me that I could extend the interest rate deduction program on my credit card for another six months, pending approval when the initial period ended. Unfortunately, when the six months were up, I called again and was informed by a different representative that the previous one had provided incorrect information. They explained that Scoitabank only offers this assistance every two years and that I was not eligible for help at this time. I was completely unaware of this policy, and the unexpected return of regular interest charges on my account has caused me significant emotional and financial distress. Upon research I found that Scoitabank has violated the Consumer Protection Act (CPA) established in 2002, c. 30, Sched. A, s. 14 (1). The calls are all recorded. Scoitabank conducted an investigation and determined that they would offer me $368.00 for my distress, along with the closure of the case. My question is, can I pursue additional compensation for my suffering? Am I entitled to request more than what they have proposed? Thank you for your time to respond! 🙏

I adopted bonded pair of kittens and got them on pet insurance with trupanion at 8 weeks. They just turned two and trupanion has increased my premiums by 70 % in those two years. I understand they don’t raise the premiums based on pets age, but at this rate I won’t be able to afford to insure them until they get old. Looking at switching to lemonade - my one kitty has two minor claims and my boy has none. I realize her two claims will be pre-existing but they aren’t chronic issues. To the cat parents with lemonade- do you like it? Are you happy? I know I risk their premiums rising as well but at least I can afford more coverage with a smaller deductible to start. Would love your thoughts I want the best for my babies!! Thank you

Last night I received a cancellation notice from progressive for “debris and hazards needing removal” and they said I needed a complete roof replacement. My roof is 13 years old but is in really good condition. No branches or leaves on it. No missing shingles. No hail damage or peeling. They didn’t even give me a chance to rectify the situation before sending me a refund check. The inspection report is bogus. The guy took the pics from the ground. I’m shopping around now but scared to get another denial by another inspector. I have high credit and pay everything on time. I have only ever had one claim and it was in 2024 and the adjuster said there was minor wind damage and we just needed to replace a few shingles which we did.

About a week ago, I was stopped in traffic when a woman rear-ended me. I won’t go into all the details, but she was a bit evasive at the scene. She did give me her insurance information, though. I only have liability coverage through my own policy, so I filed a third-party claim with hers. I called her insurance today, and they told me she hasn’t responded to their attempts to get her statement. The evidence is pretty clear - she had a license plate cover on the front of her car, and the text from it literally left an imprint, like a stamp, dead center on the rear bumper of my car. I really need my car, but my rear bumper is sagging, and I don’t think it’s safe to keep driving it like this. Based on her behavior at the scene and the fact that she’s now ghosting her insurance, I have a strong feeling she’s just going to keep evading responsibility. Given this, I’m wondering: is it okay if I pay out of pocket to fix my car now and then sue her in California small claims court to recover the cost? If so, what kind of evidence should I gather to make my case? For example, should I ask the auto body shop for a written statement detailing the damage and cost to repair? Thanks in advance.

Hi, I cancelled my policy with Allstate on July 29th after paying my July 1st bill with my next bill date being August 1st. Cancelled my renters and auto in one swoop through the online chat, though next day I realized they hadn't cancelled my auto. Only my renters, I contacted them again. They backlogged the effective date for the auto to the 29th as the renters was. I already thought they were trying to get an extra payment out of me there, hoping that I wouldn't catch it... The reps on chat assured me that I wouldn't owe my next payment on the 1st since I cancelled my policy previous to the payment date. The next day I checked to ensure the auto cancellation went through and it did show effective so I went ahead and turned off auto-pay. Next day there is a charge on my account for $302. Today I had the time to call so I called Allstate. First rep asked me some questions and then put me on hold for 40 minutes, only for another rep to answer. Second rep told me that my bill has been sent to collections and gave me the number to call. I called collections and they haven't received anything due for me.... I called Allstate again.. Last rep told me that the extra $302 was due to the cancellation of auto-pay on my already cancelled policy.. Also stating that technically my due date without auto-pay would've been on the 18th of each month, which she said if i hasn't have turned off auto-pay they would've owed me money. This is genuinely not making any sense to me and feels like a gigantic scam. None of the reps at Allstate are willing to waive my balance due to an incorrect charge. Do I just wait for the bill to hit collections and then dispute it? What can I do about this? I'm also infuriated that I spent in total two hours on the phone for this.. lots of misinformation all around and no resolution.