So, how do you go about selecting a breed when buying pet insurance when you have a mutt? I did a DNA test on my dog and she's like 2/3 Cattle Dog and Chihuahua, and then 1/3 3 other breeds. I bought Pumpkin Insurance and selected Mixed Breed 11-25 pounds (she's 22 pounds and shouldn't get any bigger). Here's the kick in the pants- I asked what to do if she gets more than 25 pounds. They said, well, they won't accept Mixed Breed and they base breed on vet records. Why...why do they even have Mixed Breed as an option, then?? It's going to cost me an extra $136 a year to change her to a Cattle Dog Mix. It frustrates me because my dog weighs 10-27 pounds less than the average ACD. I can still cancel Pumpkin, and I'm tempted. But will it be any better with any other company? I assume they all operate the same way.

Seeking advice from folks involved in the auto insurance industry... A bit of background. We've been insured with State Farm continuously for over 30 years, getting both home and auto insurance from them. A couple of weeks ago we received a notice that they were dropping us from our auto coverage because there were 4 claims on our record: 1. An accident where my wife was at fault, where she hit a car in a parking lot. Our insurance ended up paying out about $3,000 for that accident (mostly to other driver.. very little damage to our car) 2. An accident where my 17 year old daughter rear-ended another car at low speed. There was minimal damage to the other vehicle (scratches on the bumper) but due to the age of the car my daughter was driving, the amount of damage to her car was high enough that the vehicle was totaled, and the insurance paid about $6k to us for the totaled vehicle. 3. My older daughter was riding her bike (pedaled bike, not a motorcycle) 4 years ago and was hit by a car who illegally ran a stop sign. The other driver was found to be fully at fault, and State Farm paid absolutely nothing for that claim to anyone. In Texas apparently anytime there is an accident with a bike and police are called, it gets reported to your insurance. 4. My older driver was riding her bike again 2 years ago and was again hit by a car who rear ended her as she was legally riding on a city street. Again, the other driver was found to be fully at fault, and State Farm paid absolutely nothing for that claim. State Farm said that those 4 accidents were enough to drop us from coverage. (Technically, it's a non-renew, when our policy ends in about 3 weeks.) While I personally strongly disagree with them considering the 2 bike accidents, their representative told me that they are within their rights to do so, and that they have indeed done so, and that "there is nothing you can do to appeal". That upsets me, but that actually isn't my question! Because we're being dropped, we've searched for alternative insurance. I have obtained quotes from a variety of companies, and found that Progressive is offering coverage that is comparable (actually, a little better) than the State Farm coverage we had, at a fairly significant reduction in cost over what we had been paying State Farm, so we're switching as soon as our current term with State Farm ends in a few weeks. On one of our vehicles that is currently insured (with comprehensive and collision coverage), we sustained hail damage on the car a couple of years ago, resulting in dents to a number of the body panels and a crack in the windshield. None of these things bothered us that much, and we've just let them go. However, we are considering filing a claim for that damage before we leave State Farm and getting them repaired. I'm not sure what the total cost will be, and it's a somewhat older car, so I'm worried that MAYBE the cost of repairs could end up reaching the dollar threshold where they would total the car, but there is nothing whatsoever else wrong with the car. Here's my real question: If we did file this claim with State Farm before we leave them, is there a potential that this could come back to bite us later with Progressive? Would having this claim for hail damage impact our rate with Progressive, either now or later? Also, if they did decide to total the car, it's almost certain we would choose to buy the vehicle back (not relinquish title) and then hopefully fix the damage on our own, as best we could, using whatever State Farm paid out after the buyback. However, would the fact that the car had been totaled impact its future insurability or our rates for insurance coverage? (We've had a history of always getting "full coverage" on our cars, even though they are paid off.) My understanding is that Texas does not require a salvage title on a vehicle if it is totaled due to hail damage, although I'm not positive of that. Any advice from folks "in the know"? Thanks so much!

My friend in Texas lost her job a year ago and has been on BCBS healthcare through the market place. She suffers from a severely resistant rheumatoid arthritis and her biologics also caused her serious side effects of gut dysmotility and weak immune system. Just yesterday, she told me that she lost all access to her PCP , gasteroenterologist, orthopedic surgeon and psychiatrist, all of which are part of Southwestern Texas Health resources that have been battling withy BCBS over the contracts and stuff. She is applying for jobs left and right but we know how bad job markets are right now. What on earth is she supposed to do? All the doctors she has been seeing are out of network in other available health care plans.

I'm starting a new job in a month. It's remote, and I live in southern Arlington, VA. The health insurance the company provides is Blue Cross Blue Shield of Michigan, because it's a Michigan based hospital. My to-be manager (someone I know from a previous job) lives in Arizona and he said the pickings of doctors have been lacking due to it being BCBS of Michigan and he's in Arizona. I'm wondering if anyone has had similar experiences? Should I take the BCBS of Michigan health insurance (which doesn't cover anything birth control related so I'd have to get something to supplement that) and hope for good choices of doctors in Arlington, VA? Or go onto my husband's insurance with Kaiser Permanante even though it's more expensive?

Basically what the title says. In July of last year I got bloodwork done at my doctors office back home after graduating from a 4 year university. A few months later I get a bill for 700$ saying that they charged it to my former school's insurance as opposed to my CA state insurance. I've gone to my doctor's office multiple times and each time they've said they'll handle it but quest keeps sending bills I'm back in college and need to save as much as I can, is there a way to resolve this with quest? A relative is saying I should send a notarized letter explaining the situation, but I've also heard if I call quest and give them my CA state insurance info it should be better. Is that still possible, or has too much time passed? What's the best thing to do now

hi! very new to the world of insurance. i just got my permit and bought my own car, im 22 and trying to speed up this process because not being licensed or having a car is making my wallet take a HIT. *(i learned how to drive and got a permit when i was 16, never got a car/license due to covid, turned 21 and decided just not to renew the permit because i assumed id never need it)* i just bought my car last week, my dad is currently fixing it, just need to replace the solenoid. and then i'll be driving around and brushing up on my skills. all that annoying backstory aside, i'm trying to get an auto ins quote and cannot find anywhere to get one, tried geico and they won't give me a quote of how much id pay monthly, just how much id pay the day i signed up. tried progressive and got absolutely jack. i just want somewhere i can find out roughly how much id be paying, my dad said there's dozens of sites where you can find a quick ballpark quote and i can't seem to find a single one, help?

Hey denied my cat’s mycoplasma diagnosis because his first vet record shows he was sneezing (self report by us.) however, he is a Persian and they tend to sneeze for no reason. The sneezing he was doing when he got sick was WAY different than just a smelling around sneeze. Now they’re saying it’s a preexisting condition when it’s not! (It was a bacterial infection, he didn’t have it when we got him for sure). We got him in December and he got his cold in February. I’m so upset and really regretting getting Lemonade

Hi everyone, my deductible for trupanion is $750. I’m paying $65/monthly, which I think is insanely high. I have a miniature dachshund who’s 1.5 years old. His ear has been looking red and we have an upcoming check up at the vet next week. If an infection, they’ll likely prescribed ear drops or antibiotics, which I’m assuming will be a hell of a lot less than $750. I am looking for some guidance on this or others experiences, when the vet bill is way less than the deductible. I understand it’s per condition so in the future if he has ear issues, it would be covered (which is likely considering his cute floppy ears). I am unsure what to do, as I don’t want to be denied claims in the future if more ear troubles arise and I don’t submit one now. Hope this makes sense. Thank you!

I bought my condo five years ago and have Homesite Insurance (according to my recent research, this is not good…). I just filed a claim with them about what my plumber suspects is a faulty toilet wax ring which has caused water damage in the condo unit below mine. Chances are my bathroom will be out of commission for a bit. My question is this: has any one had at least a neutral experience with Homesite? Any tips on how to make sure they do what they’re supposed to? I’m doing my part by brushing up on my insurance policy. Any advice on how to avoid delays is greatly appreciated! I guess I’m just looking for a little hope, lol. Thank you!

This is a wild one and I'm just looking for some kind of guidance or advice. Try and make the story short, my wife got into a car accident this morning, the car was in her mothers name who passed away and there was a lien on it so we weren't able to get it in our name but the car was on the insurance. This morning, on her way to work, she turned at light and was hit by a 1990s Jeep. After giving insurance information, we went home and contacted our insurance company. Found out we didn't have insurance, when we did, or we thought we did, back in February 2025, I registered a new car with AAA and got insurance. The lady specifically told me I had insurance and said we were good until August, but all she did was sign us up for road side service. I have a receipt of when I went in as well. My car I added was also on the account, but everything else was missing. I filed a claim and they're going to do an investigation. I'm just feeling like I'm in a black hole right now and am super confused and worried. I really can't afford to be put in this situation currently and thought I was covered by insurance this entire time.