Hi guys, I used to have Healthy Paws for my cat but wasn’t happy with the service or price, so I switched to Embrace about 3-4 years ago. My cat is now 5 and her current coverage is: $5K annual limit, $1K deductible, and 80% reimbursement. Recently, they denied a claim for a mass removal on her nose, citing a 2022 note about a mass on her thigh—which my vet believed was just a mild reaction to a vaccine that was administered the week prior reaction that resolved on its own (EXACT same location as the vaccine). I’ve submitted a request to review the claim and re-evaluate that pre-existing condition. This is the first time I've had to disagree with their assesment of the bill, and not sure how that will go. But now knowing that they won't cover any masses (including cancer) because of this makes me anxious. This made me reconsider Embrace, what pet insurance do you all use, what’s your coverage like, and how much do you pay monthly? Any recommendations for an insurance that would cover future masses (including cancer) even though she had a "mass" in 2022 that was most likely just a reaction to a vaccine lol.

Hi All, I'm hoping you can help me review my options and come up with a plan for a recent unexpected (and I believe inaccurate) medical bill. I get annual cleanings and other routine dental care (e.g. 1 set of x-rays a year) for free under my dental plan. I have just recently gotten off of my parent's insurance and onto my own plan so I made sure to double and triple check both on my insurance provider (Cigna)'s website and on Zocdoc that I was booking an in-network appointment. At my appointment, however, I was seen by a different dentist than the one I booked with who ended up being an out-of-network dentist. I was surprised by a $400 bill from Cigna, which should have been $0, several weeks later. A fruitless chat with a Cigna rep led to them reprocessing my claim, even though I knew it wouldn't do any good since the information submitted by the dental office showed that I was seen by the out-of-network dentist. A week ago the claim was processed and my bill went up to nearly $1000 because they say the facility is out of network. It is not, and I have a screenshot from Cigna's website showing it isn't. Anyway, I'm feeling a bit lost about how to proceed. I know about the No Surprises act but am not totally sure how I would go about using it to my advantage here -- I do have the original emails showing that I booked my appointment with a different provider than the one who saw me, but am not sure how I can communicate this to the right people. Any advice about next steps would be very much appreciated! TIA for helping me figure out how to move through this. EDIT: In my 20s, live in NY State, insured through employer.

I managed two older buildings one built in 1950 and one built in 1900. The company's own them for 13 years and never had a insurance claim. Country financial, which is owned by Farmers I believe, did a risk analysis is dropping 45% of their older homes Are there any companies out there that are easier to cover older rental properties with older rust but still in good condition?

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

Good morning, So on my way to work I got rear ended at a traffic light and me and the girl who rear ended me pulled over. She apologized profusely saying she assumed I was going to run a red light. We exchanged insurance info and number. She then started texting me begging to not go through the insurance for this and that reason and that she’ll pay me $500 out of pocket if we don’t go through the insurance. I refused and went through the correct route of reporting it to her insurance… but after a couple weeks of waiting, they denied my claim reasoning that I made an unsafe lane change which I didn’t. I did swap lane from left to right and as I was merging the light turned yellow and I eased in on the break to a stop… she assumed I will run the red light which caused the crash. She hit me on the rear end and most of the damage is in the left side of my car… I showed their insurer the texts exchange between me and her… I also reasoned that it’s untrue that I made an “unsafe” lane change because why would the damage to my car be on left side? So I’m wondering what my options are? Thank you for listening!

I'd love to hear from anyone who has used AKC for pre-existing conditions. My 3yo Cavapoo has suspected IBD. He's had several vet visits and a specialist visit for it. He has Pets Best insurance, which was unfortunately purchased after one trip to the vet for diarrhea when he was 3 months old. So they won't cover anything GI related AT ALL. I talked to an AKC rep today who said they will cover the IBD after 12 months of premiums, even if he continues to have issues with it and has to be seen for it during the waiting period. Can anyone verify? Thanks!

I’m having. Hard time with them right now!! I got my female cat spayed n hernia repair through the local spca low income program before I got her insurance Fast foward she now has pet insurance with trupinion since Jan she was spayed/hernia in September They keep emailing me n calling me for records on her spay n repair said they have contacted the SPCA n they haven’t emailed back ! I contacted the spca they don’t keep records or notes form the spay program So they emailed them n told them that! So now they are saying without proof she was spayed or hernia repair if I ever file a claim it may take longer to resolve stuff! I’m starting to think I’m paying them monthly for nothing ! I got insurance so I didn’t have a huge vet bill if she needs to go to the vet n cause they pay direct ! Anyone else have this issue? I mean what happens when someone gets a cat off the street or wherever n it’s already been spayed etc but they don’t know from where n don’t have records! Ugh! I feel like I’m wasting money!

Hi. I have never seen any insurance company charge interest on car insurance. I got the paperwork and my payment went up 70.00 a month from what he quoted me. The interest is 14.5 % for not paying it off in full. How many people can pay 6000 yearly in full. This is crazy. Please help me understand. Ty :)

Renewal time is coming up soon and realized I never changed our address since we recently moved back to NY after living in RI. Well it’s going from $36 for my 5 year old cat to $60 a month. Overall she’s a very healthy kitty, the only health issue is she has asthma so I get that and I know as they get older it’s more costly cause of healthcare for them and providing services is expensive. Embrace has been great overall experience for us because we had to put one of our other cats down last year and they compensated us almost entirely but, I just wasn’t expecting because of the zip code to justify $60 every month now. Does anyone have any suggestions on our insurances if I’d be saving money elsewhere?

Healthy Paws just raised our pet insurance to an extra $100 a month out of no where! Has anyone else gotten a huge rate hike like this from them? This is Absolutely ridiculous.