Hello can anyone share if their pet insurance covered electrochemotherapy for their pet? I have healthy paws and inquired and they said it “may be covered” subject to policy rules. However electrochemotherapy is not FDA-approved in the United States and healthy paws policy states they don’t cover non FDA-approved treatments. Just looking for some insight. Thanks.

Sorry in advance. My minds a mess and I feel like venting to reddit might give me some insights and make me feel slightly better. I was in an accident recently with two cars. I was stopped at a stop sign and one car made a left turn in front of a car going like 90 mph straight. The straight lane car hit the turning car and bounced off it right into my driver side door. He smashed my car hard enough to push me several feet over a curb and through a chain link fence (maybe 15 feet?). I crawled out of my passenger side door as fast as I could because the car that hit me caught on fire quickly. His car was maybe 5 feet away from my door after the impact. The left turning car and straight car both went to the hospital by ambulance. I got picked up by my fiance and went right after. I've been talking with the at fault party insurance company and it's abundantly clear to both parties I was zero fault. They came to an agreement of 65(turning car) - 35 (straight car) for fault. My life is

My wife has started seeing a new therapist who she seems to really like. The therapist is out of network for our insurance (Cigna) and I think does only self-pay, but issues a superbill at the end of the month that we can submit for reimbursement. This superbill contains her NPI number but not her TIN. I have submitted claims with these superbills to Cigna but they have been denied due to lacking a TIN. After seeing the denials I googled and found that this provider is a sole proprietor therefore her TIN is actually her SSN, and that it is a relatively common practice for solo therapists to be structured this way instead of through an LLC. If she declines to provide a TIN to our insurance company is our only recourse finding a different provider? I’m not going to ask my wife to switch but just want to understand the lay of the land.

Accident Location: USA, florida (my residence and my driver license is central usa) i once had a car accident while driving rental car in florida Rental car's insurance company charged me for Diminished Value and say if i don't pay that they will get to some florida state's govt agency and take away my driver's license. What are they saying basically and is this even possible? The car accident case was dismissed and i'm not guilty.

Location: Denver, Colorado This happened at Budget Rent-a-Car at DIA. So this has been dragging on for around 2 months and the amount of lies upon lies that we've been told would make this post ridiculously long, so I'll keep it as short as possible. Budget wrongly denied a prepaid rental booked through a third party, claiming that it was against their T&Cs, and sold another agreement at 3 times the price for a lesser car plus extras which were specifically not asked for. After finding out the original rental was wrongly denied, we contacted them to ask them to honor the original rate. At first they argued, wrongly citing their T&Cs again, but eventually agreed to honor the original rate. This was promised verbally and by email. The inflated rate was still charged at the end of the rental, and subsequently a refund was promised verbally on 2 separate occasions, explicitly stating the amount and timeframe. The refund did not happen and they are now denying ever promising it. On top of this, the car they claim we returned is not the car we rented, and they've added a fuel charge. I have email evidence of agents lying about what their T&Cs say, and proof that contradicts what they claim on the phone. We also know the desk agent receives a commission for upselling because there are job listings for the same location which state this. The issue is, their customer service is impossible to deal with. They pick and choose what parts of the emails they want to reply to, disregarding they key points of my email each time, and it takes days to get a half hearted response. Calling is no use because they later just deny what was said. We have filed reports with BBB and disputed the CC charge, so other than waiting on the outcome of that, what can be done? They have taken a four figure sum from us and are constantly contradicting themselves and misleading us, and there is no urgency from them at all. 6 hours+ of waiting on the phone and explaining things, plus a chain of around 30 emails, many not even getting replies, speaking to probably around 15+ different CSRs and we are back to square one even after they admitted we were right. It's infuriating. Because the amount is only 4 figures and the case is becoming so long and complex with insane amounts of law violations, taking it to court might not be economically viable, but the complete disregard for the law can't be allowed to slide. Even a full refund wouldn't be justice at this point. I'm not sure what to do as it's becoming a full time job trying to keep a timeline and stay on top of evidence etc.

The facts: I am a RENTER I Rented a unit in Chicago that is a fully furnished basement “garden level” unit Lease Term: 2 Months Fully Furnished Unit Day of Loss: July 7th 9 to 12pm Insurance: Assurant What the Insurance has stated: Please refer to your policy language: SECTION I – EXCLUSIONS Water Damage, meaning: a. Flood, including but not limited to flash flood, surface water, waves, including tidal wave and tsunami, tides, tidal water, overflow of any body of water, or spray from any of these, all whether or not driven by wind, including storm surge; As far as you loss of use per your policy language: If a loss by a Peril Insured Against under this policy to covered property or the building containing the property makes the “residence premises” not fit to live in, we cover the Additional Living Expense. At this time the preliminary findings for the cause of loss is not a covered peril. I will further investigate claim and follow up w/ you regarding the status. I also left a voice message on your voice mail. I read all of this - The Owner of the property that I am renting from said that the Plumbers Official Report was that the water was sewage water and it came from the toilets. For context the water rushing into my place was what woke me up and I woke up in a panic to put all belongings on spaces that are high enough for them not to be damaged. The unit has been deemed uninhabitable by the Owners insurance and I do not have a home at the moment. AS of today my hotel stay has ended and I am down about 2k for trying to staying here. Any help would be greatly appreciated as I do not want to be homeless in less than 24 hours.

In the past I never remember paying anything for an annual physical with blood work. I recently received my bill and my blood work/urinalysis was $1206 and after cost reduction I owe $1020.cigna covered nothing and I will have to call them and see exactly what they cover because I will be turning down the blood work for now on if this is what it will cost. General health panel (CPT 80050) $630.99 Blood test lipids (cholesterol and triglycerides) (CPT 80061) $293.80 $20 for the needles and stuff I rarely go to a doctor so maybe I'm out of the loop but everyone I mentioned this too says it doesn't seem right. So I wonder if it's a coding issue or Cigna really just doesn't cover anything until I hit the $1k deductible.

Got a quote from GEICO like around a week ago for 299 and month for full coverage, it’s the cheapest one I found compared to other insurance companies charging me 2x that at 18 I called GEICO and ran through the quote with him for a 2022 Hyundai Elantra limited he said it will be 304. That car ended up getting sold I found a new car I wanted clean title not a rental 7k miles 2024 Hyundai Elantra sel I got quoted $299 for it last week. Now I did another quote for the same car it’s all the same info I had last week and now it’s at $540 a month. I called and the GEICO guy said “rates can go up” and I highly doubt they go up $250 in a week. He did say my $299 quote sounded unrealistic and they whouldnt quote that when I literally have the saved quote on my GEICO app. I’m just wondering is this normal? And I can still buy the $299 a month quote right now since I did save it but I am scared they will raise my insurance prices to 550 a month after the 6 months. I do have screen shots of both quotes but just can’t add them. Should I buy the $300 a month quote since it’s the cheapest I found or will GEICO raise my rates after 6 months.

I am in a situation where I need a surgery so will 100% hit my out of pocket maximum. The max, 8K, is fortunately something we can readily afford. The only thing that scares me are all the scary stories about how they get completely screwed over for supposedly covered procedures and are in debt tens of thousands at once. What I do to prevent this possibility or are those detrimental stories are from people who do not have any coverage??? My insurance is with United.

So our car was stolen and our insurance (Progressive) gave us their vehicle valuation report. The base value is 33k and they deducted almost 12k since it's salvaged title (stolen recovery) so it ends up being almost 21k. My problem is that 3 out of the 5 comps in the report were also salvage title! So I sent them a letter saying based off of their formula they should realistically be giving me the average price of those 3 salvaged vehicles (ends up being 31k after adjustments) these are cars that are selling or have sold in my area. Instead they're double dipping using salvaged cars for comps and deducting the title history deduction on top of that. Now, they give me a call back saying they're firm on their number they can't move around numbers bla bla bla.. I don't get it? , realistically I wasn't expecting 31k I wanted to negotiate and meet somewhere in the middle and now they're telling me they're done.. to invoke my appraisal clause. Like are they serious? Based off of reddit I thought insurances went up a little and tried to negotiate somewhat. So am I stuck now? Should be worth hiring an appraiser right? Anyone go through a similar experience or have any advice?