Hi all, I'm running into a pretty frustrating issue. I have called like 50 clinics in the Austin area and even though they appear on the list of clinics that take my insurance, they don't. Is the only option to pay out of pocket? My son is 3 and has a delay that was diagnosed at 2. We had speech therapy for a while and he is doing a lot better, but I am having issues getting it covered. I have an Aetna plan that is self-funded through my employer. If I could find a clinic, they would cover the sessions at 100%. My son is 3 and I have called the school district, but they said it would be next school year before they could assess and set him up, if his delay is even serious enough. He does not have autism, he has no other markers for it besides the speech delay.

During december this year, I had to go to the ER for a kidney infection while visiting family in Wisconsin. I'm in California and have had LA Care since I turned 26 and was kicked off my mother's insurance (Blue Cross/ Blue Shield Missisippi) I'm 28 now. LA Care is now saying that they were never my primary insurance, and that BCBS is my primary, so the responsibility of the bill falls onto them and me. I had a surgery 2 years ago that was covered by LA Care. I have contacted BCBS to ensure that my insurance is not still active with them, and it isn't. I three-wayd a phone call with representatives from both LA Care and BCBS to make sure the issue resolved. Ive been calling LA Care since early this year to have them remove BCBS as my primary since I no longer have it, but as of yesterday, they still haven't removed it, and are still listed as my secondary insurance. The hospital in Wisconsin and billing me over 6k. I can't afford that, and was under the impression I'd not be billed since a kidney infection is classified as an emergency under LA Care's policy. I don't know what to do. I'd appreciate any insight on this situation, LA Care is being incredibly unhelpful, and refuses to even let me submit an appeal. LA Care also covered a surgery I had 2 years ago. I was never aware they weren't my primary insurance.

Hi All, Looking for some advice/experience dealing with pet insurance. I have 2 sister cats, 5 years old. I just spent an obscene amount of money on dental work for one of them and am trying to determine if pet insurance makes sense for me going forward. Cat 1 has had some eye infections in the past, at this point treated but she will flare up occasionally when she's stressed. I'm worried that will be considered a pre-existing condition and won't be covered because she's received treatment before. Cat 2 is the dental work one, and I am anticipating more cleanings in her future. Does previous dental work trigger a pre-existing condition or have you seen that in your experience? She's also getting treatment right now for an ear infection and I'm worried she's susceptible to those as well and that will also be flagged as pre-existing. I have no faith that an insurance company will deal with me fairly, so I'm wondering if it's even worth it if any of these issues won't be covered as they're what I go to the vet for usually. I have a number of options for insurance based on my employer's perk programs. I see a place like Spot will cover issues after 180 days, but then it seems like they only cover $100 on dental cleaning? That doesn't seem like much when for cats they have to sedate them anyway? I'm sort of rambling but I guess my ultimate question is - is it too late to get insurance for these cats because I've been diligent on getting them treatment in the past?

Hey guys, State Farm is trying to increase my rates by another $300 per 6 months. Told them I’ll be taking my 19 years of customer service with me. Which insurance has discounts for being a nurse?

Full background: I have had both my dogs insured by Trupanion for several years now, both since they were pups. One will be 7 this November, and the other just turned 4. My premiums have gone from $126/mo in 2022 to what will now be $290/mo starting in June. So more than 2x increase in 2 years. Over the years I've had a few emergency vet visits (mostly from ingesting foreign substances) and filed claims. In total they've paid out about $4100. But now I'm just not sure it's worth it anymore. Changing insurance is probably out of the question for me given the number of past incidents that would probably be considered "pre-existing conditions" now. But paying $3480 a year (and probably will just increase more) feels completely ridiculous. Should I just cancel the policy and put the money toward a savings account instead? Or is the risk not worth it? My brain tells me cancel, but it feels like a decision I can't really walk back once I do it.

I had previously had Geico insurance. I thought I was paying for collision coverage until I backed into a pole and made a claim and they said otherwise. So I proceeded to drop them and get Progressive. It's been, let's say a year since then and I haven't fixed the damage to my truck because I figured I couldn't make a claim to fix damages my vehicle had BEFORE I started my policy. Anyway two days ago my sister backed into a pole and it seemingly did no damage, then when I came out of work today I saw that the plastic cover of my bumper had completely fallen off. Can I make a claim to have my bumper fixed? I'm sorry if this is a stupid question or if I've done LITERALLY everything wrong.

Hello, I adopted a rescue dog in November. I purchased Fetch insurance in March. They will not cover any anxiety meds or treatment for his anxiety due to it being "pre-existing". Early vet visits mentioned his anxiety . I'm pretty discouraged that this is being held against him. Are there any insurance plans that cover behavioral issues despite it being pre-existing. My vet even argued that my dog has Seperation Anxiety which is a different dx than anxiety and it was still denied.

So, in case anyone was curious, I posted [HERE](https://www.reddit.com/r/petinsurancereviews/comments/1io7ggn/fetch_pet_insurance_prescription_sublimit/) and [HERE](https://www.reddit.com/r/petinsurancereviews/comments/1j4f71u/update_fetch_pet_insurance_deceitful_enrollment/) about an ongoing issue with Fetch Pet Insurance about a "prescription sub-limit" applied to Virginia, USA policies and wanted to give the final update as far as I am aware. TLDR: Fetch pet is rolling out a "prescription sub-limit" of 1500 dollars on all applicable policies, that applies to any and all medications (including ones given in hospital and during surgery). This sub-limit was not disclosed to me nor does it exist on any of their publicly available documentation. My dog had surgery in January and a portion of it wasn't covered because they applied all of the medications used in that surgery to the sub-limit, and I was informed that for the rest of the year no medications would be covered due to this sub-limit. I made a report to the BBB and contacted my states insurance board to see if this sub-limit was appropriately filed with them. Haven't heard back about the BBB complaint but my state's insurance office did confirm that Fetch filed the sub-limit with the state. I have no idea what other states this is applicable in, because there's still no information about it on their site, probably because they don't want people to know about the bottlenecking they are applying to policies. After quite a bit of back and forth, I've been informed that my and several other individuals who had surgeries are having those claims reassessed and that surgical medications will not be imposed against the sub-limit. They are adjusting the under-writing language to specifically change how they assess anesthetic drugs, but all other medications (nerve blocks, pain management in surgery, and antibiotics given in surgery) will still be applied to the sub-limit. With my reassessment, I received the remaining balance I was owed from my dog's surgery and now have about 850 dollars left in my prescription sub-limit for the year. I'm still quite a bit miffed that they were able to apply such a restrictive sub-limit to my policy without informing me, and this sub-limit is still applicable to medications given by veterinarians in-hospital, but at the very least they are not applying anesthetic medications to this sub-limit any longer. If you had a surgery only partially covered by Fetch Pet Insurance in the past year due to complications surrounding this sub-limit. Please submit an appeal, I've been told (on a recorded line) that they are reassessing any surgical claims made using the previous underwriting language surrounding this policy.

so I think the title explains it clear enough got a info in the mail me and my mom share a policy because i'm 19 and from my knowledge its pretty hard to get one note says "we are kicking you off on the 8th because you are doing deliveries" I am not doing deliveries I was in my previous car but I didn't even have that car insured with them and i literally told noone i was, along w the fact that the insurance company i used when I was doing deliveries has gone down under I had to switch and it was a totally separate thing and I haven't done any food deliveries since getting my new car since its a 350z lowered and its practically impossible to do them, so me and mom call agent and agent says "idk it just says you are there is nothing you can do your just going to get kicked off"? need advice in general, and just general questions, why can't I just send them proof that i haven't 2nd question where am I going to get insurance at 19 now

**Odie is taking my monthly money and not holding up their end of the bargain.** I was switched to Odie from ManyPets when ManyPets sold and want the world to know: ODIE IS A SCAM. GET OUT WHILE YOU CAN & DEF DON'T SIGN UP. Aside from the significant increase in monthly cost and 20k coverage limit on a previously unlimited plan, Odie is...nowhere to be found. My claims are not being processed, nobody answers the phone, the chatbot isn't responsive, and I literally cannot get any information. **I've filed a claim with the Better Business Bureau, providing screenshots of everything. Anyone else???**