I have a Pets Best insurance policy on all three of my cats, and on one cat who has passed. I have had good experiences with the company who has saved me thousands in bills (across four pets). I have been a pets best customer for over 6 years. I just got an email saying that one of my cats premiums will increase from $225 to $378 dollars a year. The only reason they give is that he's a year older (now four years old). I am wondering if anyone has experienced a similar jarring increase. Will it be the same for my other two cats? Does pets best negotiate premiums? Is there a cap or should I expect this annually? I know there are issues with getting coverage for preexisting conditions so changing providers for this car isn't an option, but I could explore different coverage for my other pets. Please advise. Thanks!

I started getting calls asking if I am accepting new patients. I just said, I am sorry but you have the wrong number. After the fourth call I asked who they were trying to reach. I was told the name of the doctors office and read the number to me. It is my personal number and I have had it for 22 years. I went onto Blue Cross Blue Shield site and looked up the office and it does show my number. I contacted BCBS and they told me that they looked it up online and it is a different number listed there but they cannot do anything. She then told me to call the office and see if I could get them to change it in the providers portal. No one is returning my calls from this office, so no help there. I can't not answer my phone as I use it for my business. Any suggestions or insights would be greatly appreciated.

I'm 34 F. I've had a Care Credit account for several years now. I use it for medical expenses and vet bills. I always pay it off early with the no interest promotional financing and it had a limit of $7,000. Today I got a notification from Credit Karma that my score had changed. I checked it out and it was due to my Care Credit limit being slashed to $1,124 dollars? Why? I have a good credit score? I pay my bill on time or early? I called to get the limit back up and I was only approved for $3,000 and some change.

State Farm is discontinuing the policy for my 3-unit multifamily rental property. My umbrella policy is also with State Farm. My agent told me umbrella will cover the rental property if a new policy I find is A-rated (i.e. by AM best, JD power, etc) and underlying liability limit of $500k is purchased. Is it really true that the new policy for my rental property must be an A-rated insurer? What if it is less than an A-rating or not even rated at all? Insurance is insurance, isn't it? It is becoming extremely difficult to find a good, quality top-rated insurer that will write a new policy for rental property (building) that is 70 years old.

Back in December I got in a car accident. Literally work 4 mins away. I only drive to work to be able to pay my car and insurance. Long story short … I was in a 2 weeks waiting period before my insurance started thinking my last insurance was still active (it wasn’t). Police came and still accepted the insurance. Didn’t get cited or anything. My insurance said they can’t cover since it was during the waiting period… guy attempted to contact a lawyer and claim injuries but wasn’t injured after all or they didn’t find anything wrong. He doesn’t wanna admit to fault because he was speeding so obviously his insurance is blaming me. They called and threatened to report me to DMV and get my license suspended if I don’t pay 15k… I told them I wanted the case to be re-evaluated since I know I’m not 100% at fault. They never called again and since then my license is still active. I haven’t heard back from either his insurance or the lawyer he was trying to claim injuries . What happens now ? Is my license still a threat to be suspended due to my insurance not being active at the moment even if the cops didn’t ticket me ? Should I just not worry if they’re not calling me anymore ? I also don’t wanna get in trouble but the fact that the guy tried to claim injuries and lied about his speed isn’t fair to me

Hi all. I recently leased a new car because the used car market was so atrocious in my area it was cheaper to go this route (context: they want full coverage so it's more expensive than the baseline cheapest policy I can otherwise get in NYS, the insurance checks on the used cars I found were comparable). My monthly rate is 500$/month w/ Progressive. Which is way more than the damn car. I'm a new driver, female, 24 (FML). I understand being young and new is whatever but 500$?? This was the cheapest my agent could find but I really want to shop elsewhere and look around before the next insurance renewal rolls up.

Hi, Curious if anyone else has had this issue. From what I’ve read online, it seems to be a general theme with pet insurance and I don’t think I have any rights or avenues to pursue to do anything about it. I have had Embrace pet insurance to cover my 3 pets since December of 2020. My insurance premiums renewals for my pets, that I still have the records for have been: Dec. 2022: $112.90 Dec. 2023: $133.49 Dec. 2024: $245.76 My pets are obviously getting older from when I initially took the policy. Current ages: Cat (6) Cat (10) Dog (8) Their rationale for increasing my premium is cost of vet bills increasing, my “tenure” (I’ve had embrace 5 years therefore my pets have likely developed ‘pre existing conditions’ that would not be covered if I was a new policy holder which means more money they have to pay to now cover these conditions), and the pets age. I understand things increase year over year, I’m hung up on the fact that my rate has almost doubled in a single year. I was going to file a complaint with the state insurance commissioner, but it doesn’t seem that they are technically violating any laws. I feel like I can’t switch companies because my pets have “pre existing conditions” that won’t be covered at a new place but at $300/ month I might as well save my money and pay the vet bills out of pocket. I found online that Embrace was sold to JAB Holding company for $1.5 billion dollars in 2023. So I don’t think my premiums are going up so Embrace can keep the lights on. If you have any advice, I am all ears. If you don’t have advice, take this as a recommendation to avoid Embrace pet insurance at absolutely all costs.

When I turned 18, my dad made my start a Roth IRA with Ameriprise because I had an unexpected source of income coming in that he wanted me to put away. Well, since then I have continued to put money into that account and I talk to my FA semi-regularly. Well, I am now 22M and going to be making some real money soon and after some research, I see a lot of people saying to avoid FA for a Roth, especially Ameriprise. I am glad my dad had me do this when I was 18 but now I am wondering if I should move my Roth to something else. For full disclosure, I have put in $19,000 total, and it has grown about $4,000 in that last 4 years or so. However, I do not really know where to begin. Should I move my Roth away from Ameriprise? How would I move my Roth? Where do I move my Roth? I have seen mentions of Vanguard, Fidelity, Schwab and others. How would I choose one? Don't services like these also charge some sort of fee? Thank you so much for the help.

I had gone to a new dentist in October 2024 for a routine cleaning and was essentially "upsold" on the removal of my four wisdom teeth, as I had mentioned they were bothering me. I was told my insurance was accepted (MetLife) and that I would only pay $300 for the removal. I figured that was a great deal and had my teeth removed, paying the $300 on my way out. I received an email earlier today for a separate claim from Cigna, and decided to look at my MetLife portal as I remembered the dental claim being stuck on "pending" for some time after the procedure. According to MetLife, the cleaning and x-rays were in-network and 100% covered, but for the wisdom teeth removal, the claim was marked as out of network and my patient responsibility is $800. It has been a bit over 4 months since the procedure and I haven't received a bill from the provider - should I just leave things as they are or should I contact my insurance provider/dentist? I only accepted the procedure because of how affordable it was and confirmed with my dentist multiple times that $300 was my total cost for all 4 teeth after insurance.

Ok, this is absolutely insane to me but coming here to see if anyone has any advice or thinks I'm overreacting. My dog's TLDR background: * almost 2 years old, GSD mix with cattle dog, pit, husky * has been exhibiting some intense anxiety (can't take him on walks) and sensitivity to noises (these send him into a panic) * our trainer noticed he had a head tremor when he was about 5 months old, but my husband and I never noticed it, neither did our first two vets. Our current vet noticed it + an eye tremor about two months ago and recommended we see a neurologist and get an MRI * Thankfully the MRI showed a normal brain but it did show an inner ear infection The MRI was almost $5k. I submitted it to Embrace and they DENIED it because they are saying his inner ear infection is related to his itchy skin that he had when we rescued him at 6 weeks old, and therefore falls under his pre-existing condition. The MRI wasn't to identify the ear infection, that's just something that happened to show up. The MRI was for his brain health to see if we could determine why his behavior has gotten so anxious and he's started showing aggression. I've included screenshots of their "reasoning" and it seems absolutely crazy to me. Has anyone experienced something similar or have advice on how to proceed?