I rescued a new 11 week old puppy and 24 hours later he was hospitalized for 3 days with cystoisospora, a parasite, and severe malnutrition. The rescue kept him in awful conditions and he was caked in stuff (food? Feces?) when I picked him up. He is coming home today with fair odds of survival and I am shopping for a new plan for him. I have a 30 day policy with Trupanion from the rescue but they don’t cover parasites (wtf). I’ve already spent $8500 on his care. He’s going to need a lot of frequent fecal samples and re-checks of his bloodwork. He also needs another round of de-worming. Does anyone have recommendations?

I recently lost all my belongings due to mold in my house that I lived in July 2023-February 2025. I got insurance starting August 2024. I became very ill and moved in with family Dec 2024, returned to the room in Feb 2025 to find it covered in mold after a bad storm. I was not aware that the mold was causing my illness or that there was even mold in my home until Feb 2025. It’s looking like an almost complete loss of my belongings. My insurance company manipulated me into stating that the date of loss was Feb 2024, when I made a maintenance request to fix a leaky window. I didn’t understand the implications of this and the agent was kind of pushing me to agree that Feb 2024 was the “date of loss” and not Feb 2025, because that was the first documentation I had of a moisture issue in the house. The next day she tells me it’s unlikely I can recover any claim money because I got insurance in August 2024, and the loss happened before that date. Can anyone help? Id like to make an appeal if my claim is rejected but I’d like to know how I can defend myself here.

Just received notice of my policy increase for my healthy paws plan for a 4 yo dog. The new premiums are already beyond what I’m able to afford, but now they are going to raise the plan $10 more per month due to an address change. They did this last time we moved and said the new state was more expensive than where we lived previously, now we moved back to our old neighborhood and somehow it is more expensive than the previous state they said was more expensive than this. I’m frustrated because it seems like we are being penalized for moving, and now the plan is double when we started. Basically, it’s already stretching my finances, and I’m concerned about sustainability at this rate and how much they raise the policy every year. We barely hit deductible as is and only hit it once or twice in the life of the policy, never gotten much back in claims, thankfully (glad to not have had crazy issues yet, knock on wood) At 4, dogs can start to have other issues, and I’m concerned that other plans might have preexisting condition policies and not cover if other issues develop and we don’t switch in time. Any advice or other option recommendations? I like healthy paws because they are easy, generally pay the policy claims very fast, and I trust that their coverage will last. But given the costs, I’m not sure where too go from here.

We live in a townhome in Florida with an HOA. For context, we do have an HO3 policy. After Hurricane Milton, we sustained damage to the roof of our unit, which caused leakage into our garage. We notified the HOA after seeing the damage, and we were advised that when there is a “named storm”, the individual owners are responsible for paying for roof repairs. The HOA coordinated repair with the company that services our roofs, and we were advised we could pay out of pocket or file a claim with our own individual insurance company. The amount is $2000, but our hurricane deductible is much larger, so we will elect to pay out of pocket IF it’s accurate that HOA is off the hook. We have a copy of our bylaws but cannot see where we are responsible for this repair. All other times where there have been roof leaks, the HOA covers repairs. We asked the board members to point to where in our bylaws that it states we are responsible, but they refuse to answer. Does anyone have any insight? I will also post this to the HOA sub. Thank you!

August 2017: $60.12 August 2019: $66.28 to $77.07 August 2020: $69.88 to $104.82 (50% increase) August 2021: $104.82 to $154.99 (48% increase) August 2022: $154.99 to $191.33 (23% increase) August 2023: $191.33 to $229.59 (20% increase) August 2024: $229.59 to $287.03 (25% increase) August 2025: $287.03 to $828.97 (189% increase)

Sorry, not sure where else to post this. I tried calling Delta Dental but they are closed. I keep getting emailed a verification code from Delta Dental at least every hour. Happening to anyone else with Delta Dental? Not sure if someone’s trying to hack into my account and is requesting verification codes (I’ve already changed my password and it’s still happening)

I received an email recently that I would not be able to renew my 4-year-old cat's pet insurance through ManyPets due to the company no longer providing policies in the US market. They said I would be hearing from another company, Odie, about a new policy. I looked up Odie and it seems to have very low scores on Trustpilot. Has anyone else lost their ManyPets coverage? If so, who did you go with to replace it?

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!

Been with progressive commercial since start of business, 2 years, the called me last month and said the are dropping me as they don't cover my type of business in CA anymore. I pay 50k every 6 months, 10 vans, 12 drivers No claims made (that were our fault), I'd like to not pay 100k a year if possible, 1m/2m w/5m Umbrella Any other company suggestions? Thanks in advance!

This question is more a curiosity than anything. I have a dead 25-30’ tree leaning towards my house and an arborist confirmed it is an imminent to my home and must be removed. When I contacted my homeowners insurance, they said they would only cover damage to my roof if the tree fell, but wouldn’t cover the removal of the tree. What’s the logic behind this? I’m sure some actuary determined it just cheaper to deal with the roof, but the face value cost of replacing likely my entire roof versus the cost of removing the tree it seems like a no-brainer. I’ve already accepted that I’ll need to pay for it, I’m just curious if any insider insurance folks can clue me into the reasoning here. Thanks! ETA: Okay, I get it now. Thanks to all the folks who gave helpful responses, it cleared up a lot and might have saved me from a big headache!