Is anybody else's Figo insurance going up 40% in 2025? My rate is going from $425/yr to $700/yr. I reached out to Figo and they blamed inflation of all things, saying nothing could be done about the price. I was told Figo was one of the better companies by all my pet owner friends & family, but they have never covered a claim and at these rates it would be cheaper for me to just put aside $50/mo. Really frustrated and looking for advice.

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

Our dog insurance is $450 a month for a HCOL area in California. We use Fetch. It covers two small dogs, a 13 year old and a 6 year old. We have had pet insurance for 5 years, and not once have we needed to use it. Instead, it's just paying an exorbitant amount for a potential issue that has never appeared. It has become completely unaffordable for our family. As a result, we are strongly considering going off pet-insurance for the foreseeable future. My family members and I have different ideas of how to handle future medical issues, however. I would do anything for our dogs and believe prices are reasonable to save my dogs' life. But my parents (note: I am a college student) believe it's too great an expense, and if a major condition arises that costs over 10k, the best option would be to put the dog down. Do you know of any cheaper options? Or other ways we can ensure medical treatment?

A couple months ago my car was parked and someone hit the back of it (they were parked behind me). Luckily my dash cam recorded everything. I contacted the local police and they went to the man’s house and he admitted fault saying “ I didn’t think it was that bad”. I declined pressing charges as this man was older and In just wanted his insurance info thinking it would be a simple claim. Alas, here were are with State Farm trying to get me to use their preferred body shop and only approving 60% of the estimate. I know they tout the benefits of using their contracted shops but I don’t want to do that. I got two estimates from two reputable shops showing what the cost to repair should be but they don’t want to budge. I also understand that if I go to a non contracted shop then the shop can request supplements for more money from insurance to complete the repairs. I just don’t like being liable for any monies not agreed to by State Farm if that situation were to happen. At this point I’d rather just get the amount the two shops quoted me to fix it and go that route. I’ve compiled a demand letter requesting that amount, along with 10 days of a rental care cost. I think this is fair and hoping this will resolve the claim. Think they will agree?

Hi, My one year old cat had to go to the vet this week for a limp. I processed his paperwork and submitted a claim toward his deductible and Spot denied it. Looks like he needs surgery and it’s going to be costly- I’m worried they will deny this too. Am I able to switch insurance companies now if I’m having issues with spot? Or would a new company just not cover this at all? This is my first pet with insurance and I’m frustrated.

I was charged $2500 for an ultrasound required for my high risk pregnancy. My insurance provider (BCBS of IL) states that that my portion owed is $0, due to "**Discounts Applied -** Your BCBSIL plan has negotiated cost savings for you with your provider. You may still need to pay part of the bill. Check Details of Services for details of what you may owe." Under details of services, everything states I am responsible for $0. There is no copy of the EOB for this charge - every time I look it says it is "not available at this time." In the meantime I have received a bill from the in-network hospital, stating I am responsible for the full $2500 because my insurance did not cover it. I actually have 3 similar bills just like this, but only including one for simplicity of questions asked. I plan to call my BCBSIL tomorrow, but what are some questions I should ask here? Should I be verifying my cost owed is $0 and then having them contact the hospital directly to refute the bill? Or do I need to contact the hospital directly? Or is there a chance I am actually responsible here? I haven't seen this "discounts applied" verbiage before, so I am a little confused.

Any tips on companies offering good pricing? Progressive is charging me $250 monthly - zero accident history or violations in 7 years - 29 year old male, 2016 Camry )

This is a weird problem to have. My therapist is not in-network (I have United Healthcare/UMR) so I pay her and submit the bill to UMR for reimbursement. For about a year, my insurance has usually said she is in-network, and reimburses me for about 50% of the cost (100% of their "adjusted cost" which is half of what I actually pay her). I mentioned it to her but she said she has never been in-network, which I believe - it would be pretty dangerous for her to try and take payment from both me and the insurance company. So I figured it's fine, if my insurance says she's in-network when it comes to reimbursements then I'll believe them. The reimbursements this year are now 95% of the actual cost (so they're paying me back more now). And I'm really starting to wonder, is it my responsibility to say something to the insurance company about this? Is there a chance that they ask for some of this money back later? Thanks for your advice

My wife and I recently opened a BusyKid checking account for my 8-Year Old son. We fell for the advertising for kids bank accounts online. BusyKid (BusyKid.com) advertises that they are a smart way to teach kids banking. For an annual fee of $48 (obviously high for a checking account), they have an app that allows parents to manage the child's money, set amounts they can earn for doing certain chores, etc. Kids even have the ability to send money to charity or invest in stocks. The app is fairly user friendly as well. The app i thought justified the high annual fee.... My son used the ATM for the first time yesterday. I had to show him step by step how to use it. The first question the ATM asks is if you'd like to see your balance. I encouraged him to select yes, so that he can view his balance before withdrawal. Today, we were reviewing his transaction and realized that BusyKid charges $1.00 for a balance inquiry and $1.50 for a withdrawal (on top of the ATM fee). To say that this shocked me is an understatement. I mean this company advertises that is protective of child spending. A fee for balance inquiry? My 8-year old does not have a phone. How else is he to check his balance? For whatever reason, I glossed over these fees when opening the account so thats a shame on me. But still, this seems predatory. For a company that is aimed toward minors, unneccessary fees like that is infuriating. Anyway, that account is closing today and I am going to do everything I can to alert people of this fraud of a company. TLDR: BusyKid charges fees for Balance Inquiries and ATM withdrawals to minors who dont know any better. UPDATE: I want to make clear that I take full responsibility for opening the account, and I wasnt duped into signing up. The fee's aren't hidden, quite the contrary, they are right out in the open as we were emailed a notification of the charges. It is only a $2.50 mistake, and also a little life lesson to myself and son to read everything before signing. Hopefully BK gets rid of those fees because everything else is really attractive for managing a younger kid's money.

I live in the states in Indiana. I went to my doctor this morning and used my insurance card fine. They prescribed me meds, I went to CVS and they are saying my insurance card is not working. I called ambetter and they claimed I got a new ID number, I gave CVS the number and they said it's still not right. They gave me another number and it's the same as on my insurance card. What is going on? I have a feeling CVS is messing up but maybe it's Ambetter??