I'm currently on Healthy Paws for my 4 year old mixed breed (40 lbs). I was living in Illinois and it was 55$, but moved to Minnesota and its now 75$. Ive considered switching for a cheaper price, and because I have seen a lot of reviews here that the prices for Healthy Paws have exploded. Originally I was considering Pets Best but also saw a lot of reviews that they have gone down hill. So here are my questions 1) I have seen Chewy offers lemonade or trupanion in my state, and both seem to be well regarded. Why would I get the insurance through Chewy vs direct? 2) My dog definitely has seasonal allergies which I've been getting the cyto shot for. This falls under a pre-existing condition right? Would it be worth it to stay on Healthy Paws just for this? 3) If I did switch, there can be waiting periods for 2-4 weeks, so should I keep HP for an extra month while waiting? 4) Are any of the add-ons recommended? Ive seen that preventative is probably not, but Lemonade mentions vet fees, dental, end of life, behavioral, physical therapy... Would other insurances already include this?

I believe that a Psychiatry doctor within my Aetna Network is no longer licensed or have an active license in Texas. He has a NPI and Medicare number and part of multiple insurance networks. But, I cannot find an active license for Texas and Aetna actually says that they do not verify if a doctor is still licensed?? This is not good! Would you assume that a doctor is active if he's a part of a network?

I’ve had liberty mutual since i leased my Jetta in 2021. My rate was $145/month until jul 2023, when my coverage renewed and then it increased to $197. Then increased again to $225 in jul 2024. I called and spoke to an agent to ask about the increase and they said it had nothing to do with my credit and that rates were simply rising across the board… In 2022 I had a small fender bender with someone while parking, my insurance covered it i think. I never followed up with my insurance to see if they actually filed a claim. In 2023 my car was side swiped by someone parallel parking and they left a note and their insurance covered the damage and repair. But that was the only accident i had. No speeding tickets, but i did have many parking tickets (my city is brutal). Now I’m wondering if I should shop around, but seeing other peoples posts im not sure if $225 is even that high rn? My credit score is 759 and I make $72,800 a year before tax.

ASPCA Pet Insurance Is Engaging in Bad Faith Claim Denials Pet owners need to be warned—ASPCA Pet Health Insurance refuses to honor valid claims and will shift excuses to avoid payouts. My dog, Ash, suffered an acute ACL tear after slipping—a sudden accident. As a retired veterinary technician, I have personally assisted in ACL surgeries and know this was trauma-induced, NOT a progressive condition. ASPCA first denied coverage by falsely calling the injury an illness, despite veterinary documentation confirming it was an accident. When I challenged their reasoning, they changed their excuse, now claiming the medical records did not specify BOTH a timestamp AND exact location. The medical records clearly state: "Presented for limping on right rear leg since yesterday, after slipping…Lame right rear - ACL tear." When I demanded a policy citation proving their timestamp/place requirement, they refused to provide one. Instead, they responded with: "You can reply to this email with any concerns, and they will be forwarded to our management team. If you prefer, you can send your concerns in writing to our office." ASPCA would rather deflect and stall than fairly review claims. Their tactics are clear: ❌ Ignore veterinary evidence ❌ Shift denial reasons instead of applying consistent policy terms ❌ Refuse to cite an actual exclusion supporting their decision I have filed a complaint with the Illinois Department of Insurance (IDOI) and will be sharing my experience widely to warn others about their unethical practices. If you have coverage through ASPCA, be cautious—they will do anything to deny a legitimate claim. Has anyone else had similar issues with pet insurance companies? Let’s talk. People deserve transparency, and our pets deserve the coverage we paid for.

I recently sold some commercial property and I'm looking for an umbrella policy or a large liability policy. My problem is I live in a home that belongs to my 88 year old mom with severe dementia. The home is in a life estate deed to me, I've cared for my mom a long time, I have no claim to the home until she passes away. We suffered significant hurricane damage, now seven months post hurricane repairs are just starting. I had to move my mom out of state with a sibling and mom is so frail she will never be able to return to her home. I am currently on the homeowners policy with my mom but expect there's going to be a problem with the current insurance company at renewal. My mom is out of state and I have no real rights to the home yet. My brother and I have POA but can't sign the deed over to me because mom has only social security and is going to need Medicaid soon. Medicaid does a five year look back. The home she owns is a mobile home, nice but not of great value. It's been in the enhanced life estate deed to me for many years. I do have a vacation home out of state, not a primary residence. I have Progressive car insurance. I called the company associated with them and they question the liability on my mom's home. I don't know if I will even have insurance on that home soon. I would need to raise my car insurance above 100,000/300,000 and the umbrella policy would be $900 a year. This policy seemed to depend on raising the liability insurance on my mom's home, possibility with a renters insurance policy, but that was questionable. I send money to my brother to help pay her care but it's not rent, she would then owe income tax on that and could be considered in kind help with medicaid. There must be others who don't own a home in the state they reside who have significant assets. I've never been in this position before. Can someone in the insurance industry advise how I can purchase a large liability policy?

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.

Hi all, I am in need of advice. I'm not sure if this is the most appropriate place to ask. Ive had Embrace insurance for my two kitties for a year now. For one cat, it's amazing. For the other, Daisy, it's been kind of a nightmare. I had to increase her coverage midway through which restarted the medical review. That was my first big mistake, because while I knew it would come back with a temporary exclusion of a one time ear infection, I did not expect a permanent exclusion for ALL SKIN MASSES including cancer. Now, yes she has a small polyp on her outer ear that has never been diagnosed officially. It has been told to me by multiple vets that it's not a big deal and to leave it alone since shes had it since she was 2 and it was harmless. So when I saw that exclusion, I went through her medical records and found that I mentioned to the technician that she had a "growth" in her ear that was not impacting the ear infection, and my statement was put on the official medical records despite the veterinarian never putting it on her notes or as a diagnosis. She had one diagnosis: ear infection. A two month long appeal process would ensue where no one asked me anything despite me sending my specific concerns via email to the vet about wanting it known to the insurance it's not a cancerous mass, it's a polyp and it should not exclude all forms of cancer. The insurance would only speak to the vet who obviously had more important things to do than to deal with insurances, so it took forever for this process to come to a conclusion. The vet had no record of the mass, other than my statement to the technician, and ultimately that's what she told the insurance: There is no diagnosis of a mass and she has never noticed one on my cat. The insurance concluded that the mass didn't exist and officially documented the rescinded exclusion. My next mistake: I didn't say anything after because who would?? After a nonstop, 2 month, constant back and forth to get everyone to work together, there was a solution so I shut up and let it go for peace of mind. Now I feel absolutely f*cked because the polyp needs to be removed because she wont leave it alone and its turned into a deep cut that doesnt heal. The technician today wrote that she's had it since she was two and it's officially been diagnosed. Its a benign polyp, it's been biopsied after the appeal. Im so afraid to keep her insurance or submit a claim now in case im now "withholding information" or being fraudulent. I never denied she had a mass, I just denied it was anything more than a polyp and that's what I was trying to fight. What do I do??? She gets it removed tomorrow. Im afraid this being found in her medical records will impact future claims and I won't be able to move forward with removing any other temporary exclusions like the ear infections. I also have another cat on the policy who really needs insurance and im scared if they drop her, they'll drop him too. If you got to the end, thank you for reading this 🩷

I have had a policy with lemonade for nearly 2 years now. They have been pretty decent about instantly approving a claim but my first one was denied a year ago due to a preexisting condition they swore up and down was listed in my dog’s history, that wasn’t. After a denial and appeal, it was still denied. I ended up dropping the fight with them on it. Now, my dog has a cyst that is needing removal now, but was discovered before I put him on insurance but the vet has deemed it needing to be removed now - then, they weren’t worried about it. It is mentioned in his health history with the vet, so I fear they will label this a preexisting condition as well. But lemonade told me via phone that they would do a reapproval, but after sending in the estimate - I was met with this.. can someone help me understand why the value of the estimate matters more than the type of service requested to be approved? The estimate is $1,306. I’m so PO rn. The estimate literally says it is for a surgery. I would understand if it was a normal appointment and under 3.5k.. Like I literally do not have the funds to do the surgery without knowing I won’t get reimbursed. Is this normal with other carriers?? 🙃

Hey all! Boot me if this isn't the right sub for this, but I wanted to see it anyone else had experience with a situation similar to mine with their AAA pet insurance! Our 18mo Chocolate Lab at a squeaker and needed emergency exploratory surgery after X-rays confirmed a blockage in his small intestine. Some of his intestine was pretty banged up and he ended up having 2ft of bowel removed and resectioned. He then required 36hrs of clinical care after the procedure to ensure he headed in the right direction. This all happened pretty quickly and although I had read my policy completely beforehand, I forgot to seek pre-approval for his care. Their language is a little loosey-goosey about emergency situations, but they do specifically say it is 'required' for surgery, hospitalizations, and claims over $2,500 - this event ticks all three of those boxes. Wanted to see if anyone has had their claim successfully approved in a situation similar to mine, having not sought pre-approval and it being an emergency surgery and hospitalization situation. ANY feedback is helpful! Thank you & pic of the pup who lost to the squeaker and will be toy free for life for tax!

My grandma has a dog and we helped her get insurance for him a while back, but her dementia has progressed quickly and pretty dramatically so my mom has taken over his care. (My grandma lives with my parents so she’s always had a big part in his care but now my mom has him full time). We have Lemonade. My mom told them what was going on and they said they could add my mom as a co-owner, but then she couldn’t make adjustments or any changes to his policy. Otherwise, she would have to cancel his account completely and start a new one under her name. She wanted to cancel it and start it under her name since sadly my grandma will not get better and she wants to add dentals to his plan, but he did have anal gland issues this year and lemonade said that if he has anal gland issues in the future they would no longer be covered under my moms plan because they would be considered a pre-existing condition now. Just looking for advice on what to do. It doesn’t seem fair, but I know insurance isn’t fair lol. Should we look at other insurance options? Or just add my mom as a co-owner? The anal gland issue was expensive so we don’t want to lose coverage on that if it comes back but also it sucks that my grandma has something we couldn’t predict nor control and now we’re in this predicament. Any advice would be helpful!!