I've had Embrace pet insurance for the past 5 years, and this month when my policy renewed it increased by 88.5%. I reached out to them to get an explanation, and was basically told its because of the rising cost in vet fees, and "updated data" about my dogs breed, age, health trends, etc. I have filed a handful of claims for her over the years, but she has no major health concerns or chronic conditions. Every year in the past my monthly rate has gone up, but it has always been within reason. Has anyone else experienced something like this with Embrace or another company? I am going to switch providers since they are now no longer affordable, so would appreciate any suggestions for other companies. Location: Southern California Dog info: 5 yr old female lab/heeler mix 50lbs

Hello, I have Aetna insurance and my daughter was prescribed to go for hypoallergenic formula. I spoke with agents, doctor office submitted required docs and they received a fax saying it’s covered. They directed me to Coram where I can order fomula. Coram and Aetna coordinated and determined I’m covered at 100% Now, in my Aetna app the claim is denied and my share is $6536. I have not received a bill from the provider(Coram). I’m panicking Please tell me if I owe the above amount?

Hey everybody, I hope it's alright to post as I'm from the UK but we are in the south west and my elderly grandmother (I think she is around 87 but she hates telling us her age) Has been being charged 85 pound a month according to her bank statements by pet plan. He is an elderly jack Russel now but she would have got him insured a lot younger but I'm not sure of his age exactly. He has no pre-existing medical conditions and my grandmother is not very good at managing online but she wants her independence. Can anybody recommend a pet insurance company in the UK that is easy to use/acsess the details of? TLDR: What is a good easy interface/acsess pet insurance company for a senior jack Russel?

I bought a brand new 2025 Kia K5 a few weeks ago. I financed it through Kia Finance. I temporarily unfroze my credit to do so. It has been a few weeks now, and I have received two letters (one from Wells Fargo, the other I forget) stating that my request for a loan was denied because my credit is frozen. I think Kia Finance is trying to sell my loan and they cannot. What should I do? Is this going to cause a problem?

Can someone help me with Lemonade pet insurance? My pet policy is 80% reimbursement, $250 deductible, $10,000 annual. My dog went to the vet to get a mass checked out and got bloodwork done. My plan doesn't cover exams or bloodwork. Cytology was $185 and fine needle aspiration was $40. In this case, the eligible cost that would go towards the deductible is the cytology exam and fine needle aspiration, which adds up to $225. I was under the impression Lemonade paid out 80% AFTER the deductible is met. But Lemonade just got back to me, and it shows that they covered 80% of the $225, which is $180. Which means I still have to pay $70 until my deductible is met, instead of $25. I thought the 80% was only for reimbursement after the deductible, not 80% coverage of the deductible. Is this how all pet insurance work?

My primary care provider is a PA with a family practice. I have seen her many times and paid just my office copay. My last visit was billed as a specialist visit and is requiring the specialist copay. My insurance is saying that they consider PA's to be specialists so are billed accordingly but could not explain why every other visit was billed as an office visit. On their provider directory her copay is listed as the office visit one. I confirmed with my doctor's billing department that they did not bill it any differently so it should not require the specialist copay. I've spent days calling my insurance but every time they "review" the claim they come up with the same answer. Any ideas on how I can get this fixed?

Bought our townhome 3 years ago, had home inspection, etc. Home was built in 2011. Ryan Homes, should have known as they are known for being built terribly. Fast forward to now, looks like the corners of most window frames (wooden part) are rotting away. Again, this house was built in 2011! I now see when we bought it, the owners must have had the defects covered up with caulk and paint etc. Is this something home insurance would fix? I'm sure the building warranty is expired since it's been more than 10 years since it was built.

I was rear ended last week while driving my 16-day old 2025 Subaru Outback Premium. The other driver was in a Hertz rental vehicle and his car was 'insured' with his Chase Business Ink Preferred card but that does not include liability insurance, and he does not have personal car insurance otherwise, so he does not have any insurance to cover the damage to my vehicle. He apparently lives fulltime in Israel although I think he is also a New Jersey resident. It is not clear to me how he could legally be driving a rental vehicle without liability insurance or how Hertz rented him a car without it but that is more of a side note since regardless of the circumstances he does not have liability insurance. I spoke with my insurance company, Geico, and they are directing me to go get my car fixed, to pay the deductible, and that they will confirm he is not insured and then pursue him personally through collections if needed. I am still waiting for the Geico coverage team to reach out to me since they apparently want to confirm this isn't a fraudulent claim as the vehicle and insurance are brand new so I am waiting to get the car repaired in the meantime. I did visit the Subaru mechanic earlier in the week and they thought that in addition to replacing the back bumper there is likely damage to the frame based on a visual inspection. Of course, they won't know anything for sure until they open the car up and look. They recommended that I make a claim for Diminished Value since the car is certainly worth a lot less than it was a couple days prior- I haven't even made my first payment on the $35k loan. I asked Geico about a Diminished Value claim but they told me that the claim needs to be filed against the other driver's insurance and that basically it doesn't have anything to do with them. I do have $250k of Uninsured Motorist Bodily Injury/Supplementary Uninsured Motorist but apparently that doesn't do me any good (my car and insurance are New York). I have been in contact by text message with the other driver but I'm highly skeptical that he would pay me thousands of dollars out of pocket on top of the other liability that he has since his proposal to me was that I run this all through my insurance and he sends me $500 for the deductible "to make me whole". What are my options moving forward? Do I engage an assessor after the repairs are complete so that I have a record of the diminished value? Maybe it's better that I get a lawyer who has experience with this and can manage the court process for me since this will almost definitely go to small claims court?

I opened a discover card in college and misused it. I am now trying to gain control of my finances and increase my credit score. I have minimal financial literacy from my parents but trying to learn now! On my credit report it does not show up as in collections just as discover ~$3,700 balance but closed (12/2022). My last payment was made 12/1/2022. I called discover and they said the balance has been marked as charged off and to reach out to Radius Global Solutions. I am not able to pay the whole amount right now but was hoping to enroll in a payment plan when I originally called discover. I could also pay some in a mass sum. What should be my next steps? Thank you in advance!