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

I’ve used Embrace for over 11 years for my 4 pound chihuahua. Overall, it was a great experience. Dog is mostly healthy, has had 2 knee surgeries, but that’s it. I have cap on amount 15k per year, and an affordable deductible….until now. Just got notice today that they are upping my premiums 107% per month next year bc reasons?!?!? It’s now a small mortgage w/o explanation or justification. Has this been happening to anyone else? Is this increase legal? Is there anything that can be done about it? Insurance sucks in general, but seems extremely predatory to take my free money all these years, just f me when my boy, who could easily live to be 20, gets older. Almost begging me to cancel the policy.

I paid my premium online on Aug 5, and they took the money. I have a receipt. I received a cancellation notice today saying I didn’t pay the premium. I looked and my insurance expired at 11:59 PM on Aug 4. Has anyone had a similar experience? Any guidance is welcome?

Don’t trust this company! We had our mortgage insurance one year from 2170 to the following year 4340! Double! Well our dwelling went from 356,000 to 375,000.

I was rear ended while stopped at a red light. The woman couldn’t provide her insurance as she wasn’t able to find it after looking for a very long time but I got her plates and drivers license. Didn’t report to collision centre as when I called they said if total damages to both cars are under $5k go straight to insurance. I received a quote for $1k cash for repairs or go through insurance. I let her know both options and requested her insurance information. She has still not responded back to me so I called my insurance and filed a claim. My insurance stated that I’d still have to pay the deductible until they work on finding her insurance. Wanted advice on how to move forward, should this be counted as a hit and run as she is not willing to provide her insurance information? Will they be able to find her insurance by running the plates? Use location: Ontario, Canada

I've had two rate increases in a year's time, increasing in total about 64%. Has calling to reduce helped anyone? This is honestly crazy, and their vague emails with arbitrary reasoning is incredibly frustrating. September '24: $74.57 to $91.77 September '25: $91.77 to $121.58

Here’s my situation: I’ve got 27k in debt across 3 credit cards, thanks at an accident last summer that insurance wouldn’t cover. I own my home outright. Zero mortgage, 8k/year in taxes. The obvious answer is to take out a home equity loan, but here’s the rub: I’m self-employed and have zero proof of income. I don’t draw a paycheck, and haven’t filed taxes since 2021 (reportable income has been less than the standard deduction, so I was advised I didn’t need to). The business sustains itself with profit, which is all reinvested in the company. Other than becoming the Gustavo Fring of the Southeast, does anyone have suggestions?

I live in a condo in Los Angeles. My unit had a leak that caused some damage in a neighbor's unit, but when I filed the claim with my HO6 insurance, they found me "not negligent" and so "not liable." It took a while, but I eventually got paid to fix the issue on my end—but my neighbor was left to fix their damages through their insurance. Of course, they're now threatening to sue. I understand that my insurance will defend me should there be a suit (they confirmed that I have coverage, but they won't pay because I'm not liable). My concern is that they sent me a non-renewal notice over this claim. My policy will expire in two months. This means the claim needs to be closed so I can shop and secure a new provider... So, what happens if the lawsuit comes after the claim closes and I'm insured somewhere else? Who takes care of the lawsuit then? Am I being screwed over somehow by my current insurer right now? I mean, the non-renewal surely felt so, but if I'm going to be left to handle a potential lawsuit by myself, I don't know what I'll do. :-( Thoughts?

Hi y’all. I recently opted to cover my cat. I’m paying a bit more than I’d like to, but I’m willing to keep the policy if it’s a good investment. My cat has a preexisting condition they won’t cover. That sucks. Online I’m seeing customers were dropped due to aging pets. What are your experiences with this company? Is it ok or should I run in the other direction?

I got auto insurance through progressive and was given a good quote so I sent in all the info I needed and got insured. I then bundled my home insurance because the price was so good. A month after that the auto insurance got canceled. They said that my license was not valid. When I asked for proof of this they said they had none. The state had just notified them that it was invalid. My license is valid and I even recently got a notification letter from the state to renew my license because it expires later this year. Now my only option was to start another policy with them and this quote was more than double what my original quote was. I feel like I got scammed to switch over.