Hello everyone who sees this post. I’m a first time mom dog and need advice on some wellness plans for my 1 month old Labrador Retriever. I’ve done a lot of research on different wellness plans and pet insurance but feel so overwhelmed. I also don’t want to pick any wellness plans as I want to make sure I’m getting my moneys worth and the appropriate care for my puppy. I’ve only had him for 5 days so far and would give my life for him. I recently went to visit Banfield hospital that was inside of PetSmart at midtown crossing shopping center. The visit was free because my puppy was a new patient. I got him his first dosage of dewormer. The customer service was great and they were very attentive with my puppy. I arrived late to my appointment but they still saw him. I’ve read some reviews and other Reddit post about Banfield and they have been not so great. So I just want to get advice on whether or not the wellness early care plus plan is good for the first year of my puppy’s life and ONLY for the first year. It includes: -introductory comprehensive physical exam -graduation comprehensive physical exam -routinely recommended vaccinations -ear swab to help catch signs of parasites and disease (1x a year) -screening test for heartworm and tick-borne diseases -WISDOM PANEL health DNA test to screen for genetic diseases -fecal exam (3x a year) and routine deworming (4x a year) -virtual visits (2x a year) -pet wellness 1-1 session -unlimited office visits -neuter surgery, including preanesthetic blood testing with electrolyte panel and monitoring throughout the procedure and recovery This will be $78/monthly. Coming out to $936 for the year. Of course, for additional recommended vaccines and additional charges for medication and extra procedures not covered by the plan, I’m willing to pay out of pocket. I’ll be sure to get my puppy pet insurance as well but still looking. So far I’ve seen Spot, Figo (since I have a Costco membership), and lemonade. For now I’m thinking setting the coverage plan at its lowest so I pay no more than $20 a month. I know how it sounds, but I don’t want to pay so much for pet insurance right now as he’s still small. Once I see that he’s growing and being more of a menace, then I’ll change his plan to cover more so I won’t have to worry about paying so much out of pocket. What do you guys think about this? I need all the advice I can get on the Banfield plan and my idea on the pet insurance thing. Asking for all advice. Thank you for taking the time to read and respond to me. You don’t know how much I appreciate it.

My Honda CRV 2018 , 48k mileage was rear ended. Bumper damage and tail gate damage. Adjuster estimates says 3.5 K , the auto body shop says repair cost of 14.5 K and insurance company wants to do total loss and settlement of 21k. The shop **initially quoted $3,327.12**, but **after a deeper inspection**, the full cost is now estimated at **$14,412.00**. * This includes **parts ($7,059)**, **labor (body, paint, mechanical)**, **paint supplies**, **miscellaneous charges**, and **sales + county taxes**. # 🧾 What Was Added That Drove Up Cost? Here are some **major cost drivers** from the supplement: 1. **Rear Floor Pan Replacement**: * Part: $1,408.27 * Labor: 29 hours (!!!) * Paint: 2.5 hours 🔥 This is a **huge contributor**. Frame/floor pan replacement is structural and complex. 2. **Lift Gate Replacement**: * Part: $1,701.68 * Paint + labor included 🚨 Signals **major rear-end impact** 3. **Rear Body Panel**: * Part: $877.58 * Requires alignment and seam sealing 4. **Multiple panel repairs, refinishing, seam sealing, underbody work** 5. **Parts & Hardware**: * Several **aftermarket parts** were used to reduce cost (bumper cover, impact bar, moldings) * OEM parts were selectively used (e.g., optional OEM upper molding for $428.48) I am surprised with the high estimate. should I accept total loss and take 21K? anyway to negotiate higher. I was really not set for this time for another car purchase. My daughter is ready for college this fall was busy to manage her finance for college. should I try second opinion from another mechanic.

Due to a pipe backing up, and magically fixing itself, our house flooded. We have been out of our house since the beginning of February. We have ASI thru progressive. Our insurance adjuster said he was going to pay the company directly for mitigation, and then send us a check so we could pay the company for restoration. We have been waiting for weeks on when and how much they are going to pay us. The only time I hear from our adjuster is when I call to let him know that our hotel stay needs to be extended. I’m trying to be patient, but I’ve been trying to reach out and can’t get in touch with him and his voicemail is full. We are living in a hotel with two dogs, and a cat. Our dogs are stressed, and ill, they have been to the vet for this. One is actually there now. We are eating fast food every night, and I just REALLY want to be home. I need to know how much they are paying so I know how much to pull out of our 401k to replace the deductible and appreciation (?), and this process takes time. I have tried to view the claim online and nothing comes up when I put in the information. What do I do from here? I want to be HOME. THANKS!

Hello, So Just to give some background my Experian score is 667 and I'm looking for a Heloc or Home Equity loan of about 35k. I make about 60k a year. In 2020 I had 2 late mortgage payments due to covid before I found out about the mortgage forbearance which I then signed up for, however the mortgage forbearance now shows up as ND on my credit report. I tried a local credit union who denied me based on the late payments. I am currently working with AmeriSave but they are saying that the ND on my credit report have to be explained. I contacted my current mortgage lender to request documents for that but I don't know how long that will take. Any advice on what else I can do in this situation?

i visited the ED back in march 2024 and ended up being placed in observation and let go the next day. i’ve been dealing with an insurance/billing issue since then. i have anthem BCBS under an employee sponsored health plan (Union Construction Workers). the hospital i visited was In Network. for some reason, the hospital is billing me around 17000$, stating that my claim was denied due to code *00897, which requests complete medical history from the member. the member being myself, so i contact my employer sponsored health plan claims specialist, and she has no idea “why they would want that [referring to medical history]” and ensures me the claim is covered and sends over the EOB. which states patient responsibility is $1500, and not $17000. she lets me know that UCW paid mercy back in july. anyway, fast forward to november i am getting billed $17000 again. i call billing, they escalate my case, and remove the $17000 charge from my statement. i call UCW again, and they let me know the claim has been paid. billing is telling me anthem denied the claim again. they ask me to resend the EOB. fast forward to now, i am getting billed 17000$ AGAIN! i call billing, they tell me that the anthem claim is denied. i ask them if they looked at the EOB. they say yes, i ask them if we can go through the EOB together. we look through my UCW EOB and the billing employee states that my ANTHEM EOB was reviewed and for some reason my UCW EOB was not reviewed but it was received after i sent it in November. he agrees, i should only owe $1500 per the UCW EOB. but anthem is denying my claim still. i call UCW again. the rep tells me that she is now contacting anthem directly. after 9 months of issues we are finally contacting anthem. and there is no way for myself to contact anthem, only through the UCW representative. i am giving birth in about a month, im in a rush to get this handled. i would accept any help that i can. i have looked through the itemized bill, UCW EOB, and claim on anthems website and reviewed for errors. i noticed that there is one charge (for $9.50) that insurance covered that is listen on both the itemized bill and anthems claim, however not listed at all on the UCW EOB. but i, a not insurance expert, does not know what this means. please please help if you can! i have already talked to my states insurance department, which they were confused w my situation and could not help. i also have requested proof of payment from UCW, as well as a 3 way phone call between UCW, myself, and billing.

Location: UK I had an accident in December of 2023, which was third parties fault totally. Unfortunately they decided to completely ignore all correspondence from my insurance company and their own for as long as they could with deadlines, and drag this whole process right out, then at the last minute dispute it. This went on and on back and forth until November 2024 (almost a year after the accident and after the threat of court proceedings) when they decided to admit fault at last, and agree to pay. The solicitors that took over the claim for us emailed to let us know, there will be no court and our excess will be returned to us shortly, great! Except it’s April 2025, and we’ve still received nothing, the last email reply from solicitor I received was in January, telling me the third parties solicitor had assured them they had requested payment from third party. Since then radio silence from solicitors and no reply. I know it’s only £400 excess but it’s a matter of principle to us and with the current cost of living we definitely need this money back! Does anybody have any legal advice or insurance advice? As I thought admiral (third party insurer) would have to refund us our excess within a certain timeframe surely..? 18 months is mad! Thank you everybody in advance for your help, you’re all amazing!!

My 1 year old, went to urgent care first and then they asked us to take her to emergency as she was having trouble breathing. We went to emergency and her oxygen level was 82%. A chest xray and couple test later she had rhinovirus and bronchitis. She was admitted by the ER doctor to the hospital. My insurance denied the claim because they need more info from doctor, from which doctor ER or the pediatrician that monitored her at the hospital I'm not sure.I have the sydney app it shows the bill for the provider and also shows the plan discount paying the full amount of that bill so my total is 0. Is that pending the doctors note? Not familiar with how plan discounts work, I have blue cross HPN.

So long story short, we have been with a smaller insurance company for 5+ years with home and auto. Our insurance rates keep skyrocketing with no claims/accidents/ tickets etc. With our current company our home and auto is $7900 a year. (Two cars) I decided to talk with a broker and they presented me with an estimate from travelers for the EXACT same coverage for $4000 a year. I mean, almost half for the exact same coverage? I find it hard to believe. I was planning on switching if the savings was more than $1000 anyway, but I don’t want to start the process and they’re like oh sorry it’s actually $7500 not $4000 lol.

hey all, I was with nationwide insurance for my 2 young cats for the past 2 years. Never needed to use them but the $50 a month was worth it for me. Yesterday I found out they discontinued the ‘whole pet plan’ policy they were signed up for in my state and did not notify me. They cancelled it end of December with no email/call/correspondence. They created a new policy similar to their original and discontinued the one my cats were on. I went in to double check the illness coverage for their policy because I was about to bring in my sick cat, and that’s how I found out they cancelled his coverage. I spoke to 3 different people and their supervisors for hours and they refused to reinstate their coverage on a different plan until the 2 week waiting period was over, and didn’t take any accountability for their failure to contact me before/during/after they cancelled his coverage. My cat is now entering early heart failure and the testing to diagnose what type will cost over $5,000 to get him into a specialist. He’s only a 5 year old cat with no signs of a heart murmur/heart and liver issues until yesterday. As of now, he’s on various medications to try to stabilize him until he’s healthy enough for an echo exam. I chose Nationwide because they appear to be a reputable insurance company in other regards, but I will never be enrolled with them again in any capacity. I’ve never really written a review on any experience that I’ve had because I feel like everyone has different experiences. PLEASE do not use this company for your pet insurance. I don’t want anyone else to have to go through what my cat is facing and the likelihood he will have to be put to sleep in the coming days. It’s devastating and the fact that there may have been a different outcome if he was able to get all the testing in the world without financial issues is something I’m going to be thinking about forever, which is the reason pet insurance is so vital for any animals we own. There are so many other insurance companies that will do better and care for your pets and nationwide isn’t one of them ♥️

Hello people, I am a bit of a pickle right now :( I have been trying to cancel my Pets Best subscription/insurance for a good few days with no luck, the main reason why is because their prices have got up by a lot, and it simply isn’t in my budget atm, plus (knock on wood), my two cats are perfectly healthy besides the usual meowing because they aren’t allowed to eat every 5 mins. I have called them so many times but I have been put on hold for 25-30 mins. It is really frustrating because I am worried they will charge me despite low funds in my account, making my account go into the negatives. And of course, me not wanting to pay 59 bucks a month when it was originally 47 bucks a month when I first joined almost 2 years ago. If anyone has any advice, please share.