Hi all! I have a 13 year old German shepherd mix Pitbull grandpa baby with no pre existing conditions. I took him to the vet recently and it looks like he may have signs of arthritis at his back legs. Aside from that he is relatively healthy and has a few years strong(hopefully) My question is whether to continue my current insurance with nationwide or switch to something relatively cheaper/better or stash cash. I recently used it for his visit and they only covered 70 % of the visit, vaccine was not included and I have a 250 deductible. My premium is about 200 a month. My family and I think aside from emergencies and possible end of life care we’re not sure if the premium is worth it. Any advice is deeply appreciated!

I love my dog but I cannot afford to pay $1600 a year for something I've hardly needed so far (since it only covers emergencies and not routine stuff). I do wanna insure him, but $135 for a healthy 7yo dog is beyond insane. Is there _anyone_ out there that won't completely hose me on premiums?

My dog has IVDD and hit the $10k annual limit this year. I’ve been paying $178.49/month for 90% reimbursement and a $500 deductible. Now my provider wants to increase it to $248.59/month for the same coverage, which is a 39% increase ($840 more per year). Has anyone found a provider that covers chronic conditions like IVDD without this kind of rate hike? I’m open to switching if the new insurer doesn’t exclude spinal issues and will accept pre-existing.

I've only had pet insurance for 1 year, through my work. I just received a letter stating that my policy is no longer available to me, but I can have their "My Pet Protection Choice" to continue coverage. The policy seems to cover less, and my premiums went up! The doodle (age 3) went from $218 to $458/year and the cavalier (almost 2) went from $270 to $781. The only thing I've filed was when my doodle had a bump in his ear, that healed on it's own, and my payment was just applied to the deductible. For my cavalier, she had a UTI. So, while I begin to shop around, anyone to consider? Or avoid? And how much do you typically pay in an annual premium? Maybe I just have sticker shock and these premiums are fair? Edit to include- this isn't a wellness plan, they cover 70%. Annual coverage for accidents is $5000, Illness $5000, Congenital and Hereditary $5000, Cruciate $5000, Rx foo $100, Behavioral $100

This happened in Texas, USA fwiw. Thanks for any opinions or advice. I did not purchase the rental company's insurance but did pay for the rental with my Chase Sapphire, which has good collision coverage. Dent in bumper not too major. The other driver clearly was at fault and in fact didn't even collect my info since we both knew it was her fault. I got all her info and now my rental company is *trying to get my insurance info*. I refused to give them my insurance info on the accident form when I returned the vehicle since I wasn't liable. Also I only have liability. The rental company, in their initial email after the accident did not mention whether they tried to contact the other person. What's my play? Should I contact Chase first and get a person for the rental company to contact or what should I do?

I have a almost 2 year doodle whom I just spent over 7K on for sugery to remove a sock.2 days after surgery the site got infected and the sutures ripped. I’ve been looking at pet insurance reviews but it all seems so overwhelming and it feels like the good and the bad are balanced. Currently i’m looking for a company that will pay up front which based on what i’m seeing that would be Trupanion as i’m constantly living in fear and has gotten extreme anxiety from always thinking he’s gonna swallow something again. I’ve always swiped out my savings to practically save his life. Any advice or help would be appreciated!!

Has anybody been able to buy one or get a quote. I am trying and while insurance companies website mention they exist - I am not able to get a quote and the call center agents are equally clueless. Edit - Geico Licensed Insurance Agent said that they are not issuing any NNO (Named Non Owner) Policy currently. So lets see how easy it is to get one.

so I think the title explains it clear enough got a info in the mail me and my mom share a policy because i'm 19 and from my knowledge its pretty hard to get one note says "we are kicking you off on the 8th because you are doing deliveries" I am not doing deliveries I was in my previous car but I didn't even have that car insured with them and i literally told noone i was, along w the fact that the insurance company i used when I was doing deliveries has gone down under I had to switch and it was a totally separate thing and I haven't done any food deliveries since getting my new car since its a 350z lowered and its practically impossible to do them, so me and mom call agent and agent says "idk it just says you are there is nothing you can do your just going to get kicked off"? need advice in general, and just general questions, why can't I just send them proof that i haven't 2nd question where am I going to get insurance at 19 now

My monthly premium with Embrace was $54 a month and I just got a notice it will be $93 a month. This is an obscene increase. My pet is an almost 8 year old male cat I have had since he was 2. He has been in great health with no issues. I’ve had embrace since I got him. Should I get new pet insurance? I’ve seen really mixed reviews about embrace being a scam. There is absolutely no justification for this premium increase in my opinion, but I’d like it get other thoughts.

I've had this insurance for my great dane as soon as I adopted him at 1 yr 4 months. And it has suddenly quadrupled. I paid around $1k a year, unlimited, 80% reimbursement, and it was worth it due to random illnesses and injuries. When he hit 7 they doubled it to $2k a year (this year). We just moved from IN to CO and I got hit with an additional bill since now the premium is over $4k a year. Like what the hell is this?