What kind of company does this where they don’t accept my debit or credit card for monthly premiums. They will do checks, but still.

Hi all, I am in need of advice. I'm not sure if this is the most appropriate place to ask. Ive had Embrace insurance for my two kitties for a year now. For one cat, it's amazing. For the other, Daisy, it's been kind of a nightmare. I had to increase her coverage midway through which restarted the medical review. That was my first big mistake, because while I knew it would come back with a temporary exclusion of a one time ear infection, I did not expect a permanent exclusion for ALL SKIN MASSES including cancer. Now, yes she has a small polyp on her outer ear that has never been diagnosed officially. It has been told to me by multiple vets that it's not a big deal and to leave it alone since shes had it since she was 2 and it was harmless. So when I saw that exclusion, I went through her medical records and found that I mentioned to the technician that she had a "growth" in her ear that was not impacting the ear infection, and my statement was put on the official medical records despite the veterinarian never putting it on her notes or as a diagnosis. She had one diagnosis: ear infection. A two month long appeal process would ensue where no one asked me anything despite me sending my specific concerns via email to the vet about wanting it known to the insurance it's not a cancerous mass, it's a polyp and it should not exclude all forms of cancer. The insurance would only speak to the vet who obviously had more important things to do than to deal with insurances, so it took forever for this process to come to a conclusion. The vet had no record of the mass, other than my statement to the technician, and ultimately that's what she told the insurance: There is no diagnosis of a mass and she has never noticed one on my cat. The insurance concluded that the mass didn't exist and officially documented the rescinded exclusion. My next mistake: I didn't say anything after because who would?? After a nonstop, 2 month, constant back and forth to get everyone to work together, there was a solution so I shut up and let it go for peace of mind. Now I feel absolutely f*cked because the polyp needs to be removed because she wont leave it alone and its turned into a deep cut that doesnt heal. The technician today wrote that she's had it since she was two and it's officially been diagnosed. Its a benign polyp, it's been biopsied after the appeal. Im so afraid to keep her insurance or submit a claim now in case im now "withholding information" or being fraudulent. I never denied she had a mass, I just denied it was anything more than a polyp and that's what I was trying to fight. What do I do??? She gets it removed tomorrow. Im afraid this being found in her medical records will impact future claims and I won't be able to move forward with removing any other temporary exclusions like the ear infections. I also have another cat on the policy who really needs insurance and im scared if they drop her, they'll drop him too. If you got to the end, thank you for reading this 🩷

Location: Dallas, TX. I was out of town in November, and my vehicle was being driven by my housesitter, who was involved in an incident where (I believe) the other driver was at fault. She stated she was sitting at a four-way stop when it was her turn to move forward and a driver came through the intersection without stopping and swiped the side of my vehicle. He provided to her his drivers license and car insurance information at the time of the incident. When I returned from my trip, I filed a claim with his insurance, which was USAA. No police report was filed. I have insurance through Texas Farm Bureau but liability only with a 1k deductible. The first agent I worked with at USAA was completely unresponsive, I reached out multiple times to her over the course of several weeks before I had any follow up and had to escalate my claim to a manager. Finally, a second agent was assigned. The second agent originally told me that, based on the first agent’s notes, the claim would be closed in my favor, she just needed to verify with her manager because no one had been able to contact the driver. The next time we spoke, however, she said they needed to speak with the driver to verify events before they could close the claim. Basically, over the course of several months, the driver refused to contact USAA or speak with them about the claim. According to the agent, they sent several letters and calls. I’ve just received a denial letter from USAA and the advice from the new agent is that I file a claim with my insurance and they can try to recoup any monies from USAA; however, I’ll basically just be paying out of pocket bc of my 1k deductible and liability coverage. I haven’t gotten an estimate on my vehicle yet but the damage doesn’t seem extensive, I would think maybe $1000-1300 in repairs; however, much more than I can afford. Do I have any recourse to get this handled with USAA? Updated to add paragraph breaks. :) Also updated to say I will double check with my agent about my policy tomorrow (they're closed now). I thought I had liability with a 1k deductible but I'll double check on whether or not thats for collision coverage. I looked at my policy documents and I can't tell what I have... Thanks for all the help !

I unenrolled from snapshot because it was tracking a majority of instances where I wasn’t the driver. Do you think they will increase my insurance based on the data they have already? It’s only 14 days worth.

This happened a bit over a year ago. I was driving my girlfriend and her coworker to work and pulled over near the curb to let them out, at the same time another driver starts backing up so I lay on the horn but he hits my car my girlfriend and her coworker both were still in the car when it happened and saw everything. We get out and they are not communicating at all and possibly didn't speak english. Police were called and they didn't show up for over an hour and he eventually started trying to drive off. I follow through for half a block and he stops and backs up into me again. His "son-in-law" came after I guess they called him and he started trying to gaslight me into believing I hit him and theres no proof and that police aren't going to come. LOL. Police eventually pulled up and the other driver started to feign a heart attack or something. They even called the ambulance and the EMT didn't look pleased... I got the police report, report states: **"V1 STATES HE WAS PARKED WHEN V2 WAS REVERSING INTO A PARKING SPOT COLLIDED CAUSING DAMAGE TO FRONT BUMPER. V2 STATES HE WAS TRYING TO TAKE A PARK IN SPOT WHEN HE COLLIDED INTO V1. V2 CLAIMS THAT V1 WAS NOT THERE ARE THE TIME HE WAS REVERSING. V2 DRIVER WAS TRANSPORTED TO BOOTH MEMORIAL FOR CHEST PAINS. PO DIDN'T WITNESS"**. I got the insurance info and drivers info from the police report, called their insurance to make a claim. They instructed me to go to this auto shop and get a quote for damages, went there, the shop said they will call me about the quote. I never heard from the body shop again even after calling them they said they'll send it and never did, the insurance company never again picked up my calls after weeks of calling. I have liability insurance, with Geico and they said to file the claim with their insurance. This is in NYC, the other driver had NY plates but insured by a NJ company "Plymouth Rock Auto Insurance" Due to my girlfriend and I living together, Geico requested me to add her as a secondary driver, I told them she does not even have a license to drive and of course never drive my car. They sent numerous letters and emails about this. Each time I replied online and called in to explain that to them, they acknowledged and I thought that was over. They ended up dropping me, and I didn't even realize for nearly a month and then I was fined by NY for driving without insurance. Paid the penalty and started looking for other insurance. Nobody was willing to cover me due to a gap in coverage, possibly the accident being reported, etc. I was only offered to be insured by GEICO AGAIN LOL. They doubled my rate for liability insurance nearly $400 a month and I've been paying that since. Need advice on how to get what I'm owed for the damages they caused to my car.

I'm a 24 year old male in NE with UnitedHealthcare. I make approximately $82k gross. I've had UHC for a few years now and have always done my yearly preventive checkup, which was always 100% covered until now. I've contacted both my provider and UHC trying to figure out why I'm suddenly being billed. When I check my claims, the labs given were mostly covered by my plan, with small amounts for each service charged to me. * Labs: * 80061 LIPID PANE, * 84439 ASSAY OF FREE THYROXINE, * 80050 GENERAL HEALTH PANEL, * 81001 URINALYSIS AUTO W/SCOPE, * 36415 COLL VENOUS BLD VENIPUNCTURE * If I have to pay my deductible before labs being covered, why are they covering ~77% of my cost anyways? If they're 100% covered, why do I have any deductible? * My insurance says it was coded incorrectly, but my provider says it was correct. * I asked my insurance to compare my previous years' coding to my current claim, and they said it was the exact same thing. CPT and Z codes. * I was given a follow-up call and sent [this pdf](https://www.uhcprovider.com/content/dam/provider/docs/public/policies/comm-medical-drug/preventive-care-services.pdf) which details which codes are considered preventive, and I think I see my labs aren't? But I don't really understand what it all means, and either way it's the same coding as previous years, so why were they covered before but not now? Why cover them partially? * If the guidelines have changed, am I responsible for tracking that and telling my doctor what to do at my yearly checkups? * Is there a super simple explanation for why I'm being charged? Does the insurance have a max payout which the provider over-charged, leaving me to pay the rest? How can I tell? Thanks, this is all very confusing and frustrating to deal with. I don't know much about insurance or anything, but I feel like this is wrong somehow.

Hello, I adopted a rescue dog in November. I purchased Fetch insurance in March. They will not cover any anxiety meds or treatment for his anxiety due to it being "pre-existing". Early vet visits mentioned his anxiety . I'm pretty discouraged that this is being held against him. Are there any insurance plans that cover behavioral issues despite it being pre-existing. My vet even argued that my dog has Seperation Anxiety which is a different dx than anxiety and it was still denied.

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.

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!

Is anybody else's Figo insurance going up 40% in 2025? My rate is going from $425/yr to $700/yr. I reached out to Figo and they blamed inflation of all things, saying nothing could be done about the price. I was told Figo was one of the better companies by all my pet owner friends & family, but they have never covered a claim and at these rates it would be cheaper for me to just put aside $50/mo. Really frustrated and looking for advice.