Anyone currently enrolled in TBL please be aware they have changed how they are "insuring" retired first responders and their families. We have filed a complaint with the Ohio board of insurance. They have changed our plans without giving us the option of deciding if it's how we want to be covered. They have changed what medications will be covered and how our providers will be paid.

TL;DR: my 8yo DSH cat has "slightly abnormal shape to heart," "discussed URI, allergies, etc.", and "susp. feline idiopathic cystitis" written in his vet records, all from different exams and illnesses over the last few years, but with no recurrence in illness or symptoms. Are these comments enough for insurance companies to say he has incurable preexisting conditions and deny coverage of any future health issues? I'm super late to the party (no one told me to get pet insurance when they're young), but I'm looking to get insurance for my two cats, Andy and Ollie. Given that they're basically my children and I'm finally in a position where I have a bit of income, I want to do what I can to make sure they're able to get whatever care they might need (though hopefully they never do). Both are 8 year old DSH, previously indoor/outdoor for 3 years, now indoor only, no major health issues so far (no ER visits, no chronic conditions, etc.). I've been spending a bunch of time reading up on different companies, policies, reviews, kinds of issues people run into, etc., spoke with an ASPCA rep and planned to call Lemonade and Pumpkin to ask some questions and compare rates and plans and such. With all the frustration and confusion expressed different places about claims being denied for preexisting conditions, I decided to read back through the vet records I have and see if there was anything that my cats might get dinged for. There are a few things off the bat: they're both a bit on the chonky side, but weight has been steadily coming down into good ranges. A vet noted mild tartar two years ago, which I know means there's essentially no chance of any kind of dental coverage, but that's not necessarily the end of the world. What's really got me worried is that Ollie has had a few illnesses that I could see insurance companies labeling as preexisting conditions and using to deny future coverage: * May 2024- After a wellness exam where the vet said he was in good health, he became lethargic, struggled to use his litter box, and barely ate. I got him back into the vet ASAP, and the doctor found his bladder was painful and a little swollen, diagnosed "suspected feline idiopathic cystitis (FIC)", and gave him an anti-inflammatory shot and gabapentin. Ollie responded well and recovered in a few days with no issues since. Importantly, the vet noted that the inflammation could have been caused by stress and that his bladder was full but "did not seem to be blocked" -- I know that urinary blockages are considered incurable preexisting conditions, so I'm worried that the lack of definitive language (ie "no urinary blockage") could provide enough wiggle room for them to call it an incurable PEC. * July 2023- This is the one I'm most worried about. I took them in because Ollie had been wheezing a bit after activities like playing with his brother. At some points, it sounded almost like he was trying to get a hairball out, but nothing ever came up. The vet ran some tests to check for heart disease, asthma, or a URI. His radiographs showed "no obvious signs of asthma" and "weren't a slam dunk for asthma", but unfortunately did show "potential heart issues, abnormalities on heart" and specifically that his heart was apparently a "slightly abnormal shape". She recommended a proBNP to see if his symptoms were heart-related and it came back negative, so she said it was most likely a URI and gave him antibiotic and steroid injections with instructions to come back for a trial asthma treatment if he didn't improve. Thankfully, he did improve and hasn't had any wheezing since. -- This is especially concerning because 1) asthma is an incurable PEC and even though none of his vets has ever diagnosed or trialed treatment for it, the fact that asthma was even mentioned could be enough for them to call it a PEC; and 2) the "slightly abnormal shape" of his heart just screams guaranteed denial of coverage. And if this is considered an incurable PEC, what kind of probably serious things could they potentially refuse to cover because it's tangentially related to his heart? * Also, Ollie is a snorer. It's never gotten to a point where he's stopped breathing or anything, but it was happening frequently enough that I brought it up at a wellness exam. We used to live in a house that got fairly dusty, so I asked the vet if allergies might be contributing to his snoring and if an air purifier might help. The vet records read "Disc informed O about URI, allergies, etc.". Really really hoping that me asking about allergies doesn't lead to a future issue not being covered. So yeah, I feel like there's enough in his records for insurance companies to reject so many different kinds of claims, especially claims for cardiac, respiratory, or renal health issues, by saying these illnesses (and snoring) are evidence of incurable preexisting conditions. One of the big reasons I want to get insurance is in case cancer tries to rear its ugly head, especially since both of my childhood pets died young from cancer and all my family could afford was basically just pain management. I don't want to go through that again with my boys, and there are also a ton of other big health issues that could pop up and (hopefully lmao) be covered by insurance. But as much as I want to believe that they'd be reasonable, at the end of the day, these insurance companies aren't non-profits, they exist to make as much money as they can, and there's no Pet ACA to prevent them from denying coverage because of preexisting conditions. Which brings me to my main question (sorry for taking so long to get to the point): is getting insurance for Ollie worthwhile? I'd hate to spend the money on fairly pricey premiums just for anything that might come up to not be covered. Maybe I'm just overly worried and cynical, but the fact that something small can make a massive difference in how much longer I get with my fur babies is honestly scary. Sorry again for rambling, there's just a lot to consider. Any advice or insight is very much appreciated!

I have 3 vehicles under my name, we were in the middle of moving between cities and I decided to change the location. Due to last minute changes, we decided to stay at our current location. I went to log back into geico to change it back and it says they locked my account and when I called them they said “they are investigating the location of the vehicles”. What are my options now and what should I do?

Save your money and think twice before choosing Co-operators for business insurance or anything else they offer. You could be a loyal customer for over 10 years with no missed payments, but the moment you inquire about opening a claim, don’t be surprised if you get a call weeks later saying your policy is being cancelled. Do your research and consider taking your business elsewhere.

I have pathology reports from Hospital A that I received under a charity care arrangement. They are for dermatology. The reports revealed skin cancer and I needed surgery, but the hospital fused to allow me to use their charity care for the surgery I might be taking a low wage job to try and get private employer group PPO health benefits. But the plan would be with UHC. If I already have the biopsy reports showing biopsy #1, biopsy #2, biopsy #3, biopsy #4 are basal cells and they require Mohs surgery, do I still have to wait months to set up an appointment with a dermatologist and then WAIT for a referral to see a Mohs specialist? Forget about the prior dermatologist who did the biopsies. He works for a large healthcare system that won't allow him to refer me outside of their network. If I literally have the pathology biopsies, can't a potential UHC in-network Mohs surgeon's office use that? Or does UHC ppo private group plan insurance and the participating Mohs doctor under UHC insurance require another dermatology referral, which would mean I'd have to wait many months just for that and delay the surgery I desperately need.

Hello all! I was a passenger in a non at fault accident two years ago. My lawyer filed with the person that hit us, and then used my underinsured at the time too (with geico). We just switched insruance and our 6 month premium is 300 dollars more than if I didn't have that claim 2 years ago. Is it normal to have my car insurnace go up because of a non-at fault claim where I was a passenger? Thank you!

At the end of 2024 my wife visited an allergist to try and get a handle on her allergies. A boat load of testing later and she needs allergy injections for her horrific environmental allergies to attempt to get control of them. Everything is good with this allergist at this point. It’s the end of December 2024 and the allergist informs her at her appointment at the end of the next month (January 2025) she will owe $1500 to start her year long series of injections. We have a HDHP with HSA so we totally understand that cost because the deductible resets. Well life punched us hard over the next month and my wife has ramped up her attempts to find a new job because she is so unhappy at her current one. Given everything going on and the fact that she isn’t sure if she will continue to have the same insurance or access to the same provider to complete the allergy injections if she gets a new job, she decided now isn’t a good time to start the allergy injections. So she cancelled her appointment 48 hours prior to the scheduled appointment. This provider did not give her any kind of verbal, written, mimed, carrier pigeon, etc policy related to appointments, billing, and/or payment policies for the practice. Nothing. So at the beginning of February 2025 she received a bill from Quest for the bloodwork she had done in December 2024. Two of the bajillion tests requested by this provider were not covered and it was going to cost us almost $700 out of pocket (whole separate issue we’re handling). She couldn’t find an EOB so I told her to log onto the portal to see if she could download it. Well she logs onto the portal and there are $2,000 worth of claims submitted from this allergist in mid January 2025. They were not the claims related to her appointments in December 2024 and they were submitted two weeks before she cancelled her first allergy injection appointment. To make a long story short, the allergist prepped the injection two weeks before my wife’s first allergy injection over the course of 3 days and submitted the claim to insurance for it. The doctor’s office is saying she is responsible for the bill and I’m saying that sounds like fraud for billing for treatment she never received and was prepared without any kind of contract or informed consent to give her the opportunity to prevent this from happening. My wife has spoken with 2 different insurance reps and one was like yeah you’re responsible and the other said I’m referring you to our fraud department. The doctor is entirely unhelpful and has refused to communicate with her on 1. Why there is no practice policy to avoid this situation and 2. How long that injection mixed up in good for and 3. What happens if she stops doing the injections after one appointment. What do we need to know about this? Is this fraud? Should we push to not be responsible for this cost? Did my wife make a mistake somewhere in understanding how allergists operate and missed what is the obvious to the field she should have cancelled her appointment at minimum two weeks before it was scheduled?

Been on Sunlife LTD now for 6 months after surgery and resulting (ongoing) nerve pain requiring medication with side effects impacting ability to focus/concentrate seriously impacting my job. My doctor thinks I need more time for the nerve pain to settle but Sunlife had said it is time to start a rehab program (physio) which my Doctor sees as having no benefit at this time. Sunlife insists and says lack of compliance by me, even if under the guidance of my doctor, can jeopardize my ongoing benefits. They had sent the Doctor a note with their proposed plan and gave him a whole 2 weeks to agree or justify why not. He won’t be responding as he is off for spring break and has a huge patient load. If no response from him, Sunlife said they simply move forward. I am not sure how to proceed - must I follow their proposed (e.g. get this claim closed asap) plan without any consultation from my doctor or can my doctor propose a plan? And can they simply ignore my doctors perspective and/or simply move ahead if no response?

My ex and I have been separated since mid-2017, but his Meritrust credit card is still showing up on my credit report. I've worked hard these past few years to knock out the debt I created for myself as a dumb 20-something year old, but I cannot get rid of this debt. I myself never even used this card when we were together. I don't even know why he asked me to cosign in the first place, but of course I said yes because he was my husband at the time. He won't speak to me about it, and I've tried reaching out to his family, but nothing has changed. I've tried contacting Meritrust, but the only option they give me is to settle the debt myself and close the account. If anyone has any advice on how to proceed with this, I'd really appreciate it.

Our pet insurance (ASPCA) for our 7yo pit mix is up for renewal in May and they're raising his monthly premium by 30% ($75->$100) so I'm looking to shop around. What pet insurance do y'all have and do you like it? I've looked at a handful of quotes (Pets best, Figo, Trupanion, Nationwide) and they are all around the same price as ASPCA or higher, except for Lemonade (quoted at $81/mo). His current coverage and what I'm quoting with other companies is; $5,000 limit, 90% reimbursement, $250 deductible, wellness/routine coverage. Thanks!