Hi everyone I posted here a few weeks ago with issues regarding Fetch Pet Insurance (formerly Pet Plan) and I have just had an absolutely awful experience with them regarding my dog’s recent knee surgery Basically, they are rolling out a “prescription sub-limit” on all of the policies they can and using that to cap any and all medical expenses as they relate to medications at 1,500 dollars. This includes any medications administered by a veterinarian and as I’ve been made aware, it includes medically necessary surgical anesthetic medications. During my enrollment call and upon reviewing my application of benefits, I was only made aware of the coverage I purchased. 10,000 dollars reimbursement, 80% reimbursement rate, and a 500 dollar deductible. There is no language on my application that indicates a sublimit. I just got off of a call with a supervisor reviewing my claim review and also my issue with this sublimit (as it was not reviewed with me in my enrollment call like it legally should have been per my enrollment application) The gist of the call was that “we can’t go over the whole policy” and that “we’re sorry you feel that way” even though the language of the application states in the agreement section that “I have been advised and have had the various other coverages and limits available to me under this policy fully explained. It is my decision to purchase the Coverages and limits set forth herein” All in all, if you plan to purchase pet insurance out of fear of surgical needs or expect for your coverage to be that which you go over in your enrollment calls, do not go with Fetch Pet. They are deceitful and intentionally vague in their policy documents and apply sub-limits without disclosing them to their plan purchasers. Thankfully, Fetch has still lost money on my dog due to the expensive nature of her surgery. But I will be looking at all my options when enrollment time comes around and consider switching because this company is unprofessional and blatantly lying to their customers. Now I have hit the sub-limit after one surgery and if my dog were to need another surgery this year according to Fetch I am SOL. If anyone has enrolled in Fetch this year or last year, please review your policy documents and let me know if they applied a sublimit to your policy (and whether or not the enrollment agent informed you of that sublimit)

Car Came In Contact With Pedestrian Hello All, I would just like some community input. My mother a few days ago was driving her car in Queens, NYC, she was going about 18mph, when a pedestrian backed into traffic and came in contact with her car and was taken away by Ambulance, No damage to my mother's car and she was not injured. NYPD came and took a report and my mother's insurance. Other party literally hired an "Ambulance chaser" the next day. In the NYPD report they state what the pedestrian said, "pedestrian pulled over her car at body shop to be looked at, she stated she opened the hood and a splash of water spewed out and startled her and she jumped backwards" (NYPD did not witness the accident and I am aware the police report does not determine fault in accidents just criminal liability, but the report is used as a tool). My mother didn't have a dash cam (lesson learned), my mother also says that someone saw a security camera footage of thr incident. I just wanna know how screwed is my family since my mom has her car and house to worry about and now this? *Note* My mother works for the USPS and was on the clock at the time, she just drives her car to a central location on her route and then walsk her route. I already knew State Farm would deny the claim cause my mother was on the clock. They advised the other party to file a tort claim with the USPS. *Note, the USPS is not as transparent with its employees or customers. So I have very little faith in how this process will be handled since my mother was working at the time. Thank you all for your input.

So I filed a claim with **Esurance** because my **rear porch shifted**, which is obviously a safety issue. I was hoping they'd help cover the repair costs — after all, that's what insurance is for, right? Instead, these snakes not only **denied the claim**, they turned around and **called the Village of Skokie** on me. Next thing I know, I get a **final notice from the city** saying I'm in violation and have to fix my porch or face a hearing. Let that sink in: **I went to my insurer for help. They ratted me out to the city.** Now I’m stuck with: * Full repair costs out of pocket * A city deadline to fix everything * No help from the company I’ve been paying for years Just a warning to others: Esurance will happily take your premiums, but if you ever need help, they’ll throw you under the bus and add more stress to your life. **Avoid them.** Has anyone else had them pull shady stuff like this?

I currently have Fetch pet insurance and they dropped my cats coverage to 50% from 80% bc they thought her account was unbalanced. They basically penalized me for using the coverage I pay for. For those of you who have had pet insurance for more than 2-3 years, which ones have you been happy with? I also, just got my new cat lemonade pet insurance but now I am having doubts. Pls helppp

My wife was in a single vehicle collision. Broke her ankle and cannot walk. I am looking into renting her a wheelchair but the TD insurance adjuster is being evasive. Before I go all in on this, I am looking for the opinions of people here. Would her wheelchair be covered by TD insurance?

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?

My dog was thrown off a balcony by what I believe was the neighbors kid. Broke both of her front legs. I have the police involved and investigating. The vet bill was over $13k. Her bones are being fused to reduce the chance of lifelong pain from this. Here’s the deal, I put $5000 down for the surgery (and paid another $1500 for the initial emergency vet visit.) The claims rep is asking for proof the balance I owe the vet is 0 and that the invoice is paid in full. I read the policy and there’s nothing in there that says I have to prove that it was paid in full. The closest I found was this: “Submitting your claim To expedite your claim review, please file your claim as soon as you can. However, in cases where this isn't possible, we'll accept claims for review up to 180 days from the date of treatment. We require itemized invoices and receipts detailing your pet's information, date of treatment, cost of the services, and the vet's information. You must provide all requested information and documentation during the claims process. All claim payments will be made to you, unless otherwise assigned by you and agreed to by us.” I pointed this out, told the agent I provided all the listed information and also pointed out that she has already tried two times to falsely deny my claim. (Initially she said I had coverage with someone else then said my policy was canceled.) I also asked her where in the policy I am required to provide what she is asking. Can they force me to pay this in full before they refund me? I put the $5000 on credit cards with a 40% interest rate so I’m trying to get this resolved asap. I’m beyond stressed, but thankful the vet at least allowed us to put $5000 for surgery instead of forcing us to put her down because I don’t have access to that sort of money. Even the $5000 was difficult to acquire. Yes I realize now I made a bad insurance decision but that doesn’t help me in this immediate moment.

I've paid $3332 in premiums for my dog's insurance policy. Now, the first time I try to file a claim for a dental extraction, it is not approved because she had a pre-existing condition of "mild gingivitis" three years before our policy began. [They boast all over their website that they have the most extensive coverage for dental compared to other pet insurances](https://www.fetchpet.com/the-dig/does-pet-insurance-cover-dental-care), but they do not. My dog's gingivitis was so mild at that time the vet said it was not a concern, but apparently that is considered a pre-existing condition. Just want to warn other pet owners out there.

\*\*\*UPDATE\*\*\*\* Emailed Odie and they replied saying they refunded my CC. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Hi, I was fradulently charged for pet insurance premium from Odie, after they merged with Manypets. I have contacted both companies (email, phone call) and discussed I would not be renewing my pet's insurance contract. The renewal date was January 3rd. Today, Odie emails me saying that they've successfully processed the monthly premium. Any tips on how I can get my money back and ensure that Odie does not harass my family/fradulently take my money? I'm very upset, as I had done my due diligence in communicating that I would not be renewing my insurance policy with them. On an additional note-- This left a very bad impression on me, and I will not be recommending Odie to anyone on this reddit forum. Thank you.

Townhouse covered by condo insurance. Pipe in the ground(HOA property) breaks, excavation needed to determine the cause and replace the pipe. Insurance denied repairing the pipe due to wear and tear which is understandable,, but shouldn't they pay the excavation which was needed to determine the cause? There was other damage that was covered. Montana condo policy. Back up water/sewer damage coverage on the HOA policy.