Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

I signed up for MetLife insurance and literally the next day my cat ate a rubber baby toy causing a blockage in his stomach. The policy had no waiting period for injuries but a 14 day waiting period for "illlness." An emergency surgery/hospitalization later, now Metlife is denying my claim saying that ingestion of a foreign body constitutes an illness not an injury so it was not covered. I got my vet to write a note saying it was clearly an injury not an illness, and wrote an entire appeal....only to have it denied for the exact same reason. Anyone have a similar experience? Also has anyone utilized the part of the policy where you can appeal an appeal to a third party neutral vet? It says I would have to pay for it but I am wondering if anyone has even had success doing that?

CA folks — need some insurance wisdom. New home in contract → current home becomes secondary. 2 autos + want an umbrella policy. Been with GEICO forever but they keep hiking rates. What’s the smartest way to shop & compare bundled quotes for all of this in California’s nightmare insurance market? Any go-to brokers or tools you recommend?

So I just got a 37% increase this year and this is now a 77% over two years. Based on the cost increases in my area for Vet care. This is what they said: We recently reviewed the data for similar pets in your area, and we found that the average cost and use of veterinary care has increased. To ensure that Geena always has access to the best veterinary care possible, we’ll be changing Geena's monthly cost from $302.79 to $413.04 starting on August 17, 2025. Trupanion is unique in that we never increase your monthly cost because you’ve submitted an invoice or because your pet ages. When I called them they said there are many factors that go into this cost one of them is the increased cost of vet care for an older dog. So they do not increase for cost because your dog is older but they do increase your cost because and older dog vet cost are higher. Don't you love insurance companies!!!!!!!!!!!!!!

I was involved in a motor vehicle accident where I hit two other vehicles at an intersection. I live in an “At fault” state and both of the other drivers told the Peace officer that I ran the red light. The officer gave me a citation for running a red light which I will be contesting in court. I gave the officer my proof of insurance card which was expired. Here’s where it gets interesting. The next day I contacted State Farm. State Farm told me that my insurance policy was canceled more than six months ago due to lack of payment. MY HEART SUNK. I canceled my credit card which was on an automatic payment cycle with them. They denied the claim as to be expected. However, I have insurance through Progressive on a secondary car that I literally NEVER DRIVE. But I have full liability coverage through them on a secondary car. My question. Will progressive cover the cost of the accident even if the truck was not on the policy? Will the other insurance companies go after progressive? Would progressive rather cover the cost upfront rather than go into litigation?

I totaled my car and I was on fault even tho the other driver actually was also speeding, but after that Progressive told me they are only covering liability and not giving any money for my car since I was driving for work purposes, (I do patients visits, which for still counts as a commute). They argue that I did not specify that I used my car for "work" which in their policy options that options doesn't exist, and this is not tagged as for business purposes. I want to know if is there legal advisor or way to fight against it in Ohio EDIT EXTRA My policy only asks what the primary use of my car and it only gives to pick up one option. Doing visits is not even the 30% use of my car The primary use of my car is actually personal use and commute to my office, I only do in person visits usually 2 a day, but not every days of the week as I do also online visits.

Anthem blue cross blue shield is trying to charge my 20% coinsurance from the bill total rather than the allowed amount. Is this correct?

I've had pet insurance with Lemonade going on five years for my cat. I just had to submit a claim for her, but I'm super worried I'm going to get a rejection because the nurse took inaccurate notes. When we were discussing my cat's history, I said that her chronic gastrointestinal issues started after her first attack of pancreatitis 'shortly after she was adopted.' The nurse instead noted that her chronic gastrointestinal issues started 'right after adoption.' I'm super worried that this will lead to my claim being rejected and my former claims being marked as fraud. Her issues didn't start until about 3-4 months after I got her vet insurance, and that was after the illness waiting period had passed. They covered her pancreatitis when it occurred in March 2021, and I adopted her in November 2020. Does anyone have any advice on how to prepare for the rejection which I assume is coming? Is the only thing I can do is ask the company to review her old vet records and see how they don't line up with what the nurse typed before that moment? Any advice is welcome!

I recently submitted a claim to Trupanion and it seems kind of weird. For example, let's say I claimed for $1000. The deductible is $200 and a 90% coverage rate, which means I pay 10% coinsurance. So based on that, I thought the math would work like this: * $1000 - $200 (deductible) = $800 * 90% of $800 = $720 → Trupanion pays * 10% of $800 = $80 → I pay (coinsurance) But instead, here’s how they seem to calculate it: * 10% of $1000 = $100 → My coinsurance * $1000 - $100 - $200(deductible) = $700 → Trupanion’s portion This feels off to me — like they’re applying the coinsurance *before* the deductible, which doesn’t seem logical. Shouldn’t the deductible come off first, and *then* they apply the 90% coverage to the remaining amount? Has anyone else experienced this with Trupanion? Am I misunderstanding how their calculation is supposed to work? Is all other pet insurance company calculate the claim in this way?

Here's the situation: **The unit below me reported ongoing water damage on their ceiling/wall.** The building paid a plumber to do an investigation. After many hours, they were able to determine there was water coming from my toilet. I brought in my own plumber and he figured out there was a leak inside the wall where the toilet connects to the pipe (its a wall mount toilet and the gasket wasn't forming a tight seal with the pipe). This toilet pre-dates my ownership, if that matters. I had him fix it and paid him. Obviously the apartment below has repair costs. I immediately engaged a claim with my homeowner policy provider (Travellers), sent them the plumbers reports (both mine and the building), the by-laws of the building, and put my insurance in touch with the owners of the below unit. Fast forward, after some research, **my claim person says 'I'm not liable because there was no way for me to know about the leak, so the owners of the below unit should file with their insurance'** It is true there was no visible leak or damage in my apartment. Now the unit below me sent me an estimate from their contractor and says 'As you’ll see, they have denied the claim, stating there was “no evidence of neglect” on your part. **Given the damages I sustained, I need to understand how you intend to address this situation and take responsibility for the repairs.**' It's not clear if they've filed with their insurance. The husband and wife don't always seem to be on the same page. They are claiming repairs cost $30,000! I don't know how much of this is really related to the damage, as they are also in the midst of a major reno and might be using this to pay for some of that on the sly. I don't have a relationship with them. To clarify the leak was a long slow drip, which only occurred when the toilet flushed, which is why it took so long for the building plumbers to track down. Regardless, it seems weird to me that the insurance judges I'm not liable, just because I couldn't know about the problem. Especially since the policy seems to explicitly cover damage from water seepage where the insured is unaware because its hidden in a wall (in the DOES NOT COVER section for liability it says: CONTINUOUS OR REPEATED SEEPAGE OR LEAKAGE OF WATER OR STEAM OVER A PERIOD OF TIME, WEEKS, MONTHS, OR YEARS, FROM WITHIN A PLUMBING, DRAINAGE, HEATING, AIR CONDITIONING,SYSTEM OR AUTOMATIC FIRE PROTECTIVE SPRINKLER SYSTEM OR FROM WITHIN A HOUSEHOLD APPLIANCE **UNLESS SUCH SEEPAGE OR LEAKAGE OF WATER OR STEAM AND THE RESULTING DAMAGE ARE UNKNOWN TO ALL insureds AND ARE HIDDEN WITHIN THE WALLS OR CEILINGS OR BENEATH THE FLOORS OR ABOVE THE CEILINGS OF A STRUCTURE**). **Right now I'm waiting for response from my insurer and also the apartment below** (to see if they have filed with their insurer and if that insurer is in contact with mine). Up until now my interactions on this issue with the apartment below have been pretty even tempered, but their latest email feels like they are escalating and I'm concerned I might even need a lawyer (I live in NYC btw). (added highlights to help with TLDR)