I DO NOT RECOMMEND this pet insurance company if you hope and expect your dog to live a full life. My dog is now 11 and had a cancer issue that was successfully taken care of 2.5 years ago. And I am 69. I just received a rate increase from $83/month to $216/month. That’s a $133 month increase. Triple my monthly rate. Healthy paws suggested I lower my rate by increasing my deductible. Or lower my reimbursement rate. Any way I calculate it, it basically comes out to cost me the same. And the cost would be prohibitive to go somewhere else at this point. I WOULD NEVER HAVE CHOSEN THIS COMPANY IF I KNEW THEY WEREN’T IN IT WITH ME FOR THE LONG HAUL. They were hoping my dog would die before they took a hit on their profits with my dog. The rep told me there’s nothing they could do for me. I told her it was easy to triple my rate. It should be equally easy to lower it back down. She said no.

I had horrible customer service experiences with United Healthcare this past week. Horrible enough that I want to send a complaint to the appropriate people. I have unsuccessfully searched all over for an email address - I can't stand the thought of another phone call with them. Does anyone know the email address?

I'm currently age 64 and in the throes of buying a LTC upfront 120k premium, "return of premium" for One America LTC insurance, and am working with a "financial advisor" who requests all my personal financial, living wills, etc. I feel like I'm being sucked into a ruse of their playing a role of financial advisor for a fee, when all I want is purchase of the policy, which, I thought, only needs my medical records? Help me out here...please. For upfront payment, am I being played that I have to provide personal financial info?

Sorry everyone this is a long one and I don’t have a good way to TLDR it. Just for a quick note, I have USAA for auto insurance and my vehicle is a 2017 Corvette Z06 in 3LZ trim, Z07 package, and 52k miles. I own the car outright and it is titled/registered in NH. So a little while ago I was driving in heavy rain, hydroplaned, lost control, hit another car in a few places not too hard, and slid into the median. The cosmetic damage is pretty bad. A few body panels and aerodynamic parts of the car were damaged and will need to be completely replaced, as you can’t repair fiberglass/carbon fiber. I estimated myself that the cosmetic damage alone would cost $25-$30k (take that for what it is, I’m not expert lol). I had a chance to look under the car and nothing looked terrible - only thing of concern was a rear wheel that was canted slightly outwards. I towed it to a shop and they’ve found no frame damage; they’re saying it’s completely repairable. USAA got an adjuster to do an estimate on the repairs and it came out to almost $32k without having taken apart the vehicle. Their estimate also included a substantial amount of work being done on the rear suspension, if needed, which is probably the only mechanical part of the car which would’ve been damaged. Their Actual Cash Value (ACV) for the car came out to be almost $61k at the time, and since the repairs were estimated to be over 50% of the ACV, they deemed it a total loss immediately. But I knew that ACV was wrong, because no low ballers, I know what I got. In all seriousness, their report included the methodology for calculating the ACV - they compare my car to two similar cars for sale in the area. However they made a mistake and compared my car to two base model Corvettes which, brand new, went for anywhere from $30k-$45k cheaper at MSRP. They also left out very valuable features my car had as OEM equipment like the carbon ceramic brakes which go for about $16k brand new. Obviously I know I’m not getting full value for these things, I’m just saying they certainly add value. Anyway, they admitted their mistake in comparing my car to two non-comparable vehicles and redid the calculation. The new ACV is almost $87k now. Now, I know a lot of you if not all of you will say take the money and run, but this is a dream car for me - it’s spec’d perfectly and I’ve done a lot of work on this car all by myself, so it has a lot of meaning for me. I could take the owner retainment settlement option and receive $48k, repair the car myself, and pocket extra money (because I know these repairs wouldn’t cost more than $48k), but they would issue a salvage title, and I couldn’t do that because I’d still want full coverage on the car. But even with this new (and correct) ACV, USAA refuses to not call this car a total loss. Repairs would have to exceed $43k to be over 50% ACV and, by their own definition, be a total loss. Additionally, in the state of NH, generally when a vehicle is involved in a collision the damages need to exceed 75% of the ACV to be deemed a total loss. This is what USAA has recently sent me as I’m still fighting them to get the repairs done, “I can understand your point, however there was no mistake in deeming the vehicle a total loss at start, you were interested in more value in the settlement. The fact that the added value was reviewed doesn't remove it from a total loss stance. We still report it to the State as a total loss, the features and conditions that were modified as a courtesy increased the value here.” So my question is, can they do this? Still deem it a total loss even though from the start their calculation of the ACV was incorrect? I disagreed the car was a total loss from the very beginning, I wasn’t looking to get more money from the settlement, I just wanted to ACV to be correct. I’m not even looking to pocket any money from this, I just want my car fixed.

hi there, i have a 4-year-old domestic longhair. I do not have insurance for him, and I need to know what you all recommend he is indoor so i am mainly looking for wellness and accidents. also, we dont have a hospital or 24/7 clinic nearby. I have heard bad things about lemonade, and I have some options, so i have Metlife, Petsbest, Spot and Nationwide, please let me know thank you

Recently, my cat had to be rushed to the ER due to urinary blockage (FLUTD) , I submitted his bills, which rounded up to 7k, but the insurance denied it as pre-existing. * Pet had not prior diagnosis or sign of illness in the past with a clean record * Vet stated that he had issues peeing in an instance of stress due to construction and not due to FLUTD, and recommended Feliway Diffusers * Vet also wrote a letter for me specifying that the symptoms were not related to pre-existing FLUTD Now at the time that he started to show symptoms of blockage and straining the policy was already active and the waiting period was over. Am I crazy for thinking that them using past symptoms that were specified to not be related to deny my claim is actually wrong, and this emergency should fall under coverage?

ASPCA Pet Insurance Is Engaging in Bad Faith Claim Denials Pet owners need to be warned—ASPCA Pet Health Insurance refuses to honor valid claims and will shift excuses to avoid payouts. My dog, Ash, suffered an acute ACL tear after slipping—a sudden accident. As a retired veterinary technician, I have personally assisted in ACL surgeries and know this was trauma-induced, NOT a progressive condition. ASPCA first denied coverage by falsely calling the injury an illness, despite veterinary documentation confirming it was an accident. When I challenged their reasoning, they changed their excuse, now claiming the medical records did not specify BOTH a timestamp AND exact location. The medical records clearly state: "Presented for limping on right rear leg since yesterday, after slipping…Lame right rear - ACL tear." When I demanded a policy citation proving their timestamp/place requirement, they refused to provide one. Instead, they responded with: "You can reply to this email with any concerns, and they will be forwarded to our management team. If you prefer, you can send your concerns in writing to our office." ASPCA would rather deflect and stall than fairly review claims. Their tactics are clear: ❌ Ignore veterinary evidence ❌ Shift denial reasons instead of applying consistent policy terms ❌ Refuse to cite an actual exclusion supporting their decision I have filed a complaint with the Illinois Department of Insurance (IDOI) and will be sharing my experience widely to warn others about their unethical practices. If you have coverage through ASPCA, be cautious—they will do anything to deny a legitimate claim. Has anyone else had similar issues with pet insurance companies? Let’s talk. People deserve transparency, and our pets deserve the coverage we paid for.

I live in Minnesota where insurance companies are required to cover 48 hours of inpatient care after a vaginal birth. https://www.revisor.mn.gov/statutes/cite/62A.0411#:~:text=Every%20health%20plan%20must%20provide,a%20mother%20and%20her%20newborn. My insurance (Medica) is trying to make me pay $1850 of the $8300 billed to them for room and board after I gave birth. The stay was less than 48 hours. Is this legal? Do I have a course of action here?

**THE PROBLEM** Our dog is a 7 year old English Bulldog. We had been with Nationwide pet insurance since he was a puppy and LOVED them! They were absolutely outstanding but then in 2024 their premiums went up like 3x-4x out of nowhere. I looked for some new providers and SPOT came in with a decent price (although still much more expensive than we were paying before). Our policy with SPOT started in August 2024 and Nationwide was cancelled the following month so there would be no lapse in coverage. **THE BACKGROUND** In November, he started having difficultly walking. I took him to the new vet he's been going to for the last few years and said it's hip dysplasia and is recommended stem cell treatment (we have stem cells stored with Ardent from when he was a puppy). I submitted the claim for his doctor visit and associated blood work and they denied it saying pre-existing condition. Apparently, in his medical records, back in early 2021 I had taken him into our previous vet because he was vomiting. They were concerned of a blockage (maybe ate something) and took xrays. They had made an incidental mention that bi-lateral his dysplasia was noticed while checking for blockage but that was it. I didn't even know about it. He never had any trouble walking, he was never seen for it, never received any treatment for it, and was never talked about or mentioned again by his previous or current vet. **THE QUESTION** Do I have any grounds or avenues for appealing this denial of coverage? On paper, they are saying pre-existing condition which I understand but he never was seen for it, never had signs or symptoms, never treated for it, and I didn't even know about it. It was an incidental comment 4 years ago while checking for something else. Since English Bulldogs are prone to hip dysplasia, I don't think it would be uncommon to observe some level of it - He was only 3 years old at that time. I live in CA if that matters.