I reached out to my State Farm rep about why my homeowners insurance went up 30% this year and he said “that’s just what they’ve been seeing lately” and offered to decrease my Coverage A and Increase my Dwelling coverage to bring down the premium. The total replacement cost covered would remain the same. He was selling this as effectively being identical if we would be rebuilding in case of a disaster, but something doesn’t pass the smell test. Has anyone else opted to do something similar? He was unable to articulate why State Farm would do this if the coverage was the same. He only Personal coverage would decline as a percentage of coverage A. Is there anything else I’m missing or anything else I should ask?

I wanted to share my experience, as reading other people’s stories on reddit is what made me go with this company and i’m so glad I did. I’d heard lots of good reviews, and my partner had no issues with reimbursement with PetsPlusUs so I decided to try them out for my dog and cat. After my cat had surgery to remove an obstruction, they paid me back the exact amount I expected to be reimbursed, and it was very straightforward! I even forgot to update my address for my insurance so it didn’t match the bill, and it was fine (I think partially because I only moved 5 minutes away so my premiums weren’t affected). The only slight annoyance was I needed to give them ALL vet records, and they wouldn’t process my claim until I did (so please keep all your pet records safely in one place), but I suspect the same would be true for all pet insurance companies. My cat is about 1.5 years old, and her insurance is $35 a month and they repaid $2,100, so it’s been absolutely worth the money. While at the ER, a dog came in that was hit by a car and trupanion wouldn’t cover a penny. I overheard the staff talking about how terrible trupanion is for repayment (and its way more expensive than pets plus us).

I need advise/help on how to proceed. I live in Houston Texas and have lived in my house for about 11 years. We had some hail damage to our roof that happened last (2024) and have had at least 4 contractors come inspect our roof nd give us a quote. The cheapest quote so far is $9000. My home insurance is with All State. They sent adjuster to take a look at our and finally say the damage they see is not much and at most would cost $3000 to fix which is below our deductible. I am so upset. I have diligently paid for insurance for 11years without submitting a single claim and now I have a legitimate one they are giving us the run around. How do I proceed from here? There is absolutely no way to fix the damage for $3000. How can I make the insurance company pay for this? I am lost. Please any advise is appreciated.

Hey everyone, I got my renewal for petsbest for one dog. i'm kinda anxiously waiting appeals for my other dog (unspecified dates in medical records lead to them assuming prexisting conditions unfortunately about some anxiety) and over 11k in other claims (she got a GDV and pancreatitis) that i'm now terrified they will deny somehow. trynna work that out, hoping for the best but anxious af. TLDR the notes were vague about doses I tried and didnt say when i tried them, so insurance assumed before the waiting period bc I used traz/gaba from my other anxious dog at first bc I didn't wanna waste drugs (dumb on my part, but both dogs are on the same insurance so they def know which drugs i've got lol) My renewal for my dog number one went up from $725.49 to $1,032.08 come January 2025. it's egregious IMO. However, my dog has various medical conditions (sep anxiety, IVDD, hip dysplasia, urinary incontience, allergies) so no shot at switching insurances and it makes zero sense IMO. They've paid out 4.2k in medical expenses for him this year! I'm considering maybe increasing the deductible- how did y'all go about deciding if you should or shouldn't do this. All the above prices were for 90% 250, 90% with 500 **$736.20/yr**, 700 with $621.05/yr, 1000 with $448.44/yr. I'm so conflicted. I know he's gonna easily reach 2k in rehab, apoquel, immunotherapy, anxiety meds thru the year. Anyone have any advice?

My ex cancelled my elderly chihuahuas health insurance (the anger I’m feeling is palpable in other countries). I have a 13yr old chihuahua Peanut 🐶He was covered by Trupanion for the last 6yrs or so until my ex let the insurance lapse last month without telling me. I tried to reinstate but Trupanion said I missed the 3 day period. Peanut has lots of existing conditions (galloping heart, epilepsy, pre-kidney disease) that without reinstating Trupanion won’t be covered and someone even mentioned he may be uninsurable, like some places won’t even accept him at all. I’m very panicked. Does anyone have any advice on getting a policy reinstated?

They just randomly started denying chemo treatments for my dog after covering them for a period of time. Told us to contact the state with our complaint. Absolutely insane

I currently have 3 cats. I've had policies with Fetch (previously known as PetPlan) for nearly 2 decades, and they have covered half a dozen different cats during that time, including my current trio. Fetch has never had the cheapest policies, and it always took a while for them to pay claims, but they always provided good coverage and did not engage in the scummy bait-and-switch practices so common to other pet insurance companies. All that changed Monday. To provide some background, two of my three cats are middle-aged littermates, a female and a male. The boy is generally healthy except for the occasional herpes virus flare up. He's had those since he was a kitten so Fetch considered them a pre-existing condition and has never covered any of those expenses. Fair enough. His sister suffered a serious illness in 2023 and was ultimately diagnosed with small cell intestinal lymphoma. Due to complications during the initial work up, she got aspiration pneumonia. She nearly died and had to spend 10 very expensive days in the ICU. She recovered from the near fatal pneumonia, but unfortunately the lymphoma is terminal and all we can do is give her medication to keep her comfortable and slow the progression. If we're really lucky we may get a couple more years with her. Since her diagnosis in 2023 she has had to see her vet every couple of month for blood tests because the medications suppresses her immune system and can have serious side effects. So, she incurs regular medical bills, but nothing near the expenses she incurred in 2023. Both cats had their policies renewed in 2024 with moderate increases in the annual premiums. Today I received my renewal documents for 2025, and I am absolutely floored by what Fetch has done: * **Fetch designated BOTH cats as high risk and forced them into high-risk policies.** * **The female's 2025 premium went up by about $75 to $1380 per year, but the deductible quadrupled to $1000 and my co-pay went from 10% to 40%!** * **Even though her brother has rarely been sick and never with anything serious, his 2025 premium increased by $817 to $2200 per year, his deductible doubled to $500 and my co-pay went from 10% to 30%!** I had expected the girl's policy costs might increase, but there is no justification for what Fetch has done with her brother's policy. I called Fetch to get an explanation and see what could be adjusted at least for the boy's policy. Their answer was, "Nothing." Take it, or leave it. This is how Fetch treats customers who've had policies with them for decades. Just a big middle finger. Fetch was bought by a huge private equity firm a few years ago and these predatory business practices are the result. Wall Street has been buying up veterinary practices and pet insurance companies with the goal of consolidating the industry into monopolies that will rob pet owners blind. For Fetch it's either pay up or put fido to sleep.

I’m buying a car tomorrow and don’t have auto insurance. The only company that is offering the option for next day insurance in my state is Geico. I’ve heard it’s horrible and would like to shop around more but need insurance to take the car off the lot tomorrow (obviously). Can I pay one month for Geico and then cancel the policy once I find something better? Planning to work with a broker. Thanks for the advice. I haven’t owned a car in 10 years (lived in a walking city) so am trying to figure this all out.

Hi we have progressive as for our auto insurance we had an accident and it raised from $2000 to $4000+ for our premium and we added 2 more cars didnt really save us money like that. We pay almost $800 monthly for 3 cars. I just got licensed in CA so i dont have a driving record yet. (I was from another country) I was trying to get a policy under my name. I dont think I can since theres not much driving history. My husband has a dui from 9 years ago and we cant get geico. Were running out of cheaper options. What can we do or has anybody had this issue and what did you do? Where can I shop around for auto insurance.

pretty pissed tbh...my corgi went through a bad bout of emergency diagnostics early this year, all covered by nationwide at the time. He went back recently to have a recheck, sent it into nation wide like I had already done, suddenly it's denied. I did the review request and provided tons of documentation from the doctors. they claim its preexisting, and also went and retroactively said that all of my other claims shouldn't have been paid out. He was diagnosed with protein losing enteropathy, and they're saying that because he "vomited" earlier in the year (our first sign), thats preexisting. This is insane. Cancel your shit before you have an emergency and it happens to you