I’m a new cat dad — I adopted a pair of cats two weeks ago, completely unaware that they had any medical issues. One of the cats turned out to have a fungal ear infection, a respiratory infection, and digestive issues that included diarrhea. I took them to the vet right away to get checked out. Things started to improve, but I still brought him back to the vet because of the persistent diarrhea. We made some dietary changes, and it’s getting much better, but I decided to submit a claim anyway. Unbeknownst to me, Trupanion has a 30-day waiting period. I signed up through my State Farm agent and didn’t really read the paperwork since it was highly recommended to me. Now, Trupanion is claiming that the cat has a pre-existing condition of gastroenteritis and that they will not cover anything related to it moving forward. I called them, frustrated, because — from what I understand — gastroenteritis is a very broad term, kind of like saying someone has an “upset stomach.” You can have an upset stomach from cancer, or from bad sushi, and those are two completely different issues. I talked to a Trupanion rep for about 20 minutes trying to understand the situation, but they basically told me my only option is to appeal and try to get the diagnosis changed. That’s really it. They did mention that if, in the future, a vet determines the cause of the gastroenteritis is due to a separate or unrelated condition, it might be covered — but at this point, it seems like the burden is entirely on me to prove that. So now I’m left wondering: what’s the point of having pet insurance? I understand it’s helpful for big things, but if he ever starts vomiting blood or needs hospitalization, and they trace it back to a condition labeled as “gastritis,” will they even cover it? The rep said maybe, but I’m honestly not convinced.

I guess my dog just turned 8 according to the age on my Pets Best profile. My monthly premium was $43 and now my bill is $91?? i am newly graduated from my graduate program and going through job fluctuation... wondering if this is worth it given the steep increase in cost. she has been fairly healthy the 5 years i've had her. i've never actually used the insurance policy, i just like having it for my own sake lol because i've invested entirely too much of my own mental stability into this dumb little pitbull. i just did the full senior workup with bloodwork and urinalysis and they said she looks good. if anything dire happens i could borrow money from my family she is my only pet and technically i can afford having only one pet insurance policy. i like the reassurance of having the insurance and it was worth it for me at $43 but $91 has me rethinking

i visited the ED back in march 2024 and ended up being placed in observation and let go the next day. i’ve been dealing with an insurance/billing issue since then. i have anthem BCBS under an employee sponsored health plan (Union Construction Workers). the hospital i visited was In Network. for some reason, the hospital is billing me around 17000$, stating that my claim was denied due to code *00897, which requests complete medical history from the member. the member being myself, so i contact my employer sponsored health plan claims specialist, and she has no idea “why they would want that [referring to medical history]” and ensures me the claim is covered and sends over the EOB. which states patient responsibility is $1500, and not $17000. she lets me know that UCW paid mercy back in july. anyway, fast forward to november i am getting billed $17000 again. i call billing, they escalate my case, and remove the $17000 charge from my statement. i call UCW again, and they let me know the claim has been paid. billing is telling me anthem denied the claim again. they ask me to resend the EOB. fast forward to now, i am getting billed 17000$ AGAIN! i call billing, they tell me that the anthem claim is denied. i ask them if they looked at the EOB. they say yes, i ask them if we can go through the EOB together. we look through my UCW EOB and the billing employee states that my ANTHEM EOB was reviewed and for some reason my UCW EOB was not reviewed but it was received after i sent it in November. he agrees, i should only owe $1500 per the UCW EOB. but anthem is denying my claim still. i call UCW again. the rep tells me that she is now contacting anthem directly. after 9 months of issues we are finally contacting anthem. and there is no way for myself to contact anthem, only through the UCW representative. i am giving birth in about a month, im in a rush to get this handled. i would accept any help that i can. i have looked through the itemized bill, UCW EOB, and claim on anthems website and reviewed for errors. i noticed that there is one charge (for $9.50) that insurance covered that is listen on both the itemized bill and anthems claim, however not listed at all on the UCW EOB. but i, a not insurance expert, does not know what this means. please please help if you can! i have already talked to my states insurance department, which they were confused w my situation and could not help. i also have requested proof of payment from UCW, as well as a 3 way phone call between UCW, myself, and billing.

Buddy of mine is really having issues with State Farm. After a long back and forth they came to a number of $25,750 minus the $500 deductible for a total of $25,250 for his truck. He was hit in mid February of this year. He finally received an email today saying he could accept the payout and the number was almost 10% less at $22,999.19. What in the world is going on here? What recourse does he have and has anybody experienced this? Thanks in advance

Age: 40+ State: California Income: 0 (unemployed) tl;dr: I had some election snafu made by the COBRA management company where they just re-enrolled me in PPO which was $900/mo. I opted to go for a cheaper Kaiser option for $300/mo. Somehow I see when they fixed it, my PPO still shows covered and I have nothing regarding being enrolled in Kaiser... what should i do? Longer: So in my COBRA payment portal it shows I'm paying for Kaiser (cheaper) option and I have been paying for this coverage since the start of 2025. I haven't had to use it and I am just now needing to refill a prescription. Also, my old company switched up their insurance at the start of 2025, so even if I stayed on my PPO it would have changed providers. Anyways now that I need to refill a prescription I started looking through the docs I received and realized I never got any sort of Kaiser welcome packet but did receive a PPO insurance card, so I figured I would register on their site to see if it would let me. Surprisingly it did and the PPO shows I am covered. Now, normally I am one to do the right thing, but insurance is inherently evil... so part of me wants to go fill my RX using this PPO coverage and see what happens. Is this a bad idea? I definitely cant afford for them to go back and charge me an extra $600/mo. What do you all think?

I had a 2000 Impala and I was insured with liability 70 bucks a month with progressive . Some drunk driver collided into me and destroyed my car. Their insurance paid me out. I got a new Impala. A 2002 . My rates where above 250 $ generally and found bristol west for 230. Is this even real? What is going on in todays day? This is like… outrageous? Borderline abusive lol. Can anyone guide me as to where to look for a cheaper insurance. My car was 2000$ cash . Ill be paying more to insure it in a year than what the car was paid for lol

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 accepted FEMA'a offer of NFIP insurance for three years with the stipulation that I am required to maintain flood insurance on my own dime for subsequent years. They sent me an acknowledgement form to sign and a glossy brochure with generic information about flood insurance. However, they never sent me a policy, declaration page, or policy number. I have no way to know if I am covered. It has been four months since I was "informed" that I have NFIP insurance. What is the best action to take at this point?

I have two cats, Fox and Ollie. They are brothers and turn four in September. I got Nationwide Pet Insurance in July 2024 for the first time. I did not notice at the time, but their plans didn't match. Fox's was $189 for the year, Ollie was $190. I called to change the renewal policy so it was the same, and to add Behavioral coverage. I wanted to match Ollie's coverage to Fox's, add behavioral. Fox's renewal, with NO CHANGES, increases by $125/YEAR in July. The woman on the phone said it's "because he is a year older." Lady, he will be FOUR this year. FOUR. Current: $19/mo > $29/mo So, recommendations? They are two boys, indoor, vaccines up to date but no recent vet visit. I'm mildly concerned Ollie has a behavioral issue but no diagnosis and running off vibes and tiktok diagnosis, not real doctors. I am going to wait to take him to the vet about this until I have the right insurance policy JIC, but SHOULD I even have cat insurance?!?! Otherwise, they're two healthy young cats. Indoor. Thoughts?

I hope I'm in the right sub for this but I'm not sure, if there is a better place for this post please let me know. So I got into an accident that I was at fault, I do not have collision coverage, and I still owe about $19,000 on the vehicle. I asked my insurance and without coverage there is nothing they can do. It is not drivable and the air bags deployed. There is heavy front end damage but the rest of the vehicle is fine. I've only taken it to one shop for an estimate because I don't want to keep paying for a tow to get different quotes and they all end up being close to the same amount anyway. The estimate I got was $20,000 to fix it, so I'm not going to be able to afford that, and even if I could I don't see how that would be worth it. The car before the accident was probably worth $20,000 - $25,000 at most. (2022 KIA K5 GT LINE). I have pictures of the vehicle as well but wasn't sure if I was allowed to include those in the post. So as far as I see it, it's going to just sit somewhere until I pay off what I owe. So instead of paying a storage fee to keep it somewhere (my apartment doesn't allow vehicles that aren't drivable to stay in the parking lot), I want to either sell it or scrap it. Whatever I decide to do with it, I want the next tow to be the last. If I can make a little bit of money on it, great, if not then like I said if I can at least avoid a storage fee or paying to tow it several times that's a win for me. Anything I do make would go straight towards paying it off anyway. I'm already pretty screwed, paying on a car that I can't drive so I'm trying to see my options and cut my losses. I've gotten suggestions to declare bankruptcy, sell it, scrap it, keep it, sell all the parts individually, sell it as a whole for parts. A lot of the issue is, I don't think I can sell it, even to a salvage yard, without paying it off first, so what do I do with it until then? That's going to take a long time for me. I can't afford to fix it, can't sell it, scrap it etc. What do I do? And I understand I'm not going to make money on this, I understand I'm screwed either way, I understand that I will not financially recover from this for quite some time. So I'm just asking what is my best course of action to cut my losses as much as possible? Is there a way to sell it before paying it off? Do I need to let the lender know about the accident? Is there a different way insurance can help even though they said they can't? Is there a service or organization that helps with this sort of thing? Should I declare bankruptcy?