I've had a health insurance policy for my mother with ICICI Lombard since 2007. The recent premium was ₹70,000 (including GST) for a sum insured of ₹3 lakhs + ₹3 lakhs bonus, totaling ₹6 lakhs annually. For the past few years, I had been meaning to port the policy but never got around to it. This year, I finally managed to do it—moved to Care Insurance. The new plan offers ₹10 lakhs sum insured with a 50% increase each year, covers pre/post hospitalization, existing diseases, and even includes a few more benefits. And all this for a significantly better premium of 51000 (inclusive GST). After I initiated the port, I got a call from ICICI Lombard asking if I wanted to renew. I politely informed them that I had ported to Care. As expected, they started with the usual pitch about how ICICI is better than Care. When I still didn’t budge, the agent had the audacity to say: **“Lagta hai aap yeh premium afford nahi kar sakte.”** (Translation: *Looks like you can't afford this premium.*) Really? Is this how some insurance companies try to manipulate customers—by playing on their ego? Anyway, I'm glad I finally made the switch. ICICI may want to revisit how their customer support operates.

I faxed in a request to cancel and cash out an unneeded long-term care policy. I noticed I was billed again, about a month later. I received in the mail that same day a letter denying my request because the signature doesn't match what they have on file. I called Allstate and they told me all I can do is resubmit and ensure the signature matches, but it'll be declined again if it still doesn't. I was told I'd lose the accrued value if I disputed the charge or stopped the payments. I'm at a loss. My signature hasn't changed. Any suggestions?

Was with another major isuance player, and was dissatisfied on their customer service. Will be nice and not mention the name. Erie Insurance was recommended to me by family member. Thhey have been with them for years and satisfied with their agent. I called Erie for a quote last month bu they were havig system issues. Agent advised they would call me back when resolved. It took almost 3 weeks (they called Thursday. So what do you think of Erie? Would you be timid about a company that was 'down' for almost 3 weeks (unable to service existing policies or quote new policies)?

Trying to help my mil with her home insurance in FL. No prior claims and no flood zone. She contacted an agent who gave her a cheaper quote through citizens. We find out 6 weeks later there is still no policy. We call on her behalf and get a bunch excuses about internet glitches or something. Called citizens and they didn’t even have a record of the application. In the meantime coverage has lapsed and the mortgage company I guess has already bought its own policy. Finally last week the agent submitted a new application and just got a notice that it was denied for missing required documentation. Obviously we are contacting a different agent referred by a friend asap. But like wth? This can’t be normal right? What else should/can we be doing? Obviously this is very stressful for her going into hurricane season without a policy.

I’m thinking about getting MetLife pet insurance for my dog and wanna know if it’s actually worth it. I’ve seen they cover stuff like vaccines, dental cleanings, flea/tick meds and give about 80% back after a $250 deductible. The price seems okay too. But I’ve also heard some people had their claims denied for weird reasons (like needing medical records from before they adopted their dog which makes no sense). So I’m kinda torn. Would really appreciate honest opinions. Thanks.

I’ve been using it for my dog for a few months now and I’m starting to feel uncertain about whether it’s the best option. The claims process has been much slower than expected, with a lot of in review updates and I haven’t received any reimbursements yet. It’s making me a little nervous especially since my vet bills are starting to stack up. I’m just looking to see if others have had similar experiences and whether you think I should stick it out or switch to another insurer.

Healthy Paws just raised our pet insurance to an extra $100 a month out of no where! Has anyone else gotten a huge rate hike like this from them? This is Absolutely ridiculous.

I swiped the side of my car (no lien) and Insurance company adjustor said take pics and put in portal. Said damage was worth$3700 and cut a check minus the $500 deduction; $3200. As I checked with bodyshops I deposited check as one guy said it doesn't hurt with final claim. Several weeks later used an insurance approved shop, over a month to repair. That shops original estimate was $5800 then final $7,700. So they charged me a $500 deductible and then Said to pay them the $3200 from insurance check. But Insurance check already took out $500 deductible and the shop just charged my CC $500. Shouldn't it be $2700 I pay Sthem (3200-minus $500) Insuirance already held theduditble and then I get charged by the body shop too?

Hi all, I have a ragdoll cat who just recently turned 1. We’ve had no health issues thus far. I start seeing this subreddit pop up and saw horror stories of HP. A couple questions: 1. I know a big part of if reimbursement is diligence. Our breeder did a health check on our kitten and gave us the paper work when she handed him over, but we still haven’t submitted it into HP (I know that’s on us). We started HP about 15 days after the exam. Will that paperwork be okay to submit now? 2. We are currently paying $30/month. Are we better off switching now instead of dealing with HP long term? Thanks!

My dog is currently 4 years and his Petsbest policy is due for renewal in 2 months. He is turning 5 in 2 weeks. The premium will be increased by 70% at renewal (from $340 increased to $599 per year). I checked with a new email address and I think if I get a rewrite before his birthday the premium will be about the same price as I am paying now (i.e. $340, and that's about $250/year savings). If I do the rewrite after he turns 5 the new premium would be $426, still cheaper than the offered renewal rate of $599. My dog is healthy and there has been no claims since 2021 other than wellness claims so I suppose there is no preexisting conditions. I am only a bit worried about the 6 months waiting period for ligament injury if I were to request for a rewrite. I am thinking about also getting an accident-only insurance from Spot during the waiting period to cover that risk. Has anyone done a rewrite before? If this is workable, is it a good idea to get a rewrite or consider switching every year before his birthday if the premium increases insanely, so long as my dog has not developed any preexisting conditions then?