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Progressive - What can I get to replace progressive?
Hi we have progressive as for our auto insurance we had an accident and it raised from $2000 to $4000+ for our premium and we added 2 more cars didnt really save us money like that. We pay almost $800 monthly for 3 cars. I just got licensed in CA so i dont have a driving record yet. (I was from another country) I was trying to get a policy under my name. I dont think I can since theres not much driving history. My husband has a dui from 9 years ago and we cant get geico. Were running out of cheaper options. What can we do or has anybody had this issue and what did you do? Where can I shop around for auto insurance.
Aetna - Question for those getting insurance through Marketplace
I live in Texas and have seen the reports about BCBS. I have Aetna insurance, purchased through Marketplace, and today I found out that my primary care provider, physical therapy, and pain management specialist are no longer in-network although they were a week ago. My PCP did not even know that the contract with Aetna was no longer valid - she found out while trying to set up a referral for me. Is this a fluke or is something bigger going on with Marketplace insurance?
Lemonade - Is parvo going to be a preexisting condition for life?
We recently rescued a mastiff puppy. She came down with parvo but is on the road to recovery. I would like to get insurance for her but I am concerned that having parvo as a puppy is a recipe for getting denied for any claim going forward. It just seems like parvo is one of those illnesses that could count against anything that goes wrong in the future. I reached out to Lemonade and their response was very general and generic. Preexisting, reviewing history with any claim, etc, etc.
Pets Best - Pets Best premium increase. New policy with same company is 50% less. Why not submit new application?
Pets Best insurance premium increased 50% last month. Premium initially doubled when I moved from SC to NC 3 yrs ago then this additional 50%.
Current coverage;
- accident/illness - Unlimited, 90% reimbursement, $250 deductible.
-No well care. Annual premiums are only about $20 less than annual WellCare visit charge.
Ran a new quote online from same company. It is 50% of new premium (so less than premium before last month’s increase). Makes no sense.
1 dog - Doxy long-hair - 5 yrs old. Insurance with Pets Best since I got him at 6-8 weeks old. He’s generally healthy but I carry insurance because of typical issues a doxy can develop as they age.
The only vet visits he’s had outside of well care:
(1) Urgent care visit & call to poison control in 2022 after he got into medication (claim was made and they paid around $50).
(2) An out of town visit to vet when he had Gastro issues (throwing up/diarrhea) and wasn’t eating. Cause unknown. Given a round of antibiotics and no more issues. This vet isn’t on his records and I didn’t file a claim since it was under my deductible.
My questions:
(1) Outside of taking a chance that something happens during the waiting period of a new policy, is there any reason I shouldn’t apply for a new policy to get the lower premium?
(2) Will the prior poison visit be considered existing condition if there is another event? He was fine and hadn’t ingested anything harmful. They just watched him for a couple hours.
(3) Is the insurance company likely to pick up the out of town gastro visit and consider any future gastro issues an existing condition since I didn’t claim?
Thanks in advance for input.
Ucare - How to get Ucare to cover Braces
Can anyone give me tips on how my Ucare/DentaQuest can cover my teenagers braces because she has a very wide noticeable gap on her teeth from the fact that she was born with an extra tooth and had to get it removed and rarely smiles with her teeth anymore. She’s done 2 orthodontic evaluations for them and they keep denying her but she really does need them and that’s all she’s asking for her birthday this month but they keep telling me she needs a medical reason or doesn’t fit the certain conditions they approve but I can’t afford to pay them out of pocket.
Farmers - Waterproof Vinyl Question
I just had a pipe bust in my attic that flooded my home for about 40 minutes before it was stopped. It’s ruined the insulation in my attic, all ceilings in 80% of my home, the walls, and the baseboards. The adjuster (farmers) is saying the floors he believes are waterproof vinyl therefore took no damage and can be dried out. When they removed the baseboards i did go around and see the corners of the floors are peeling up and have water under. It is continuous throughout the whole house with no breaks. I tried to google and can’t find anything on this issue, has anybody dealt with this before? Can vinyl floors have no damage under? I’m a new home owner and I have little knowledge in this, thank you in advance!!
Progressive - Why does Progressive want me to pay more for no coverage.
Blue Cross Blue Shield - My personal phone number is listed on BCBS site.
I started getting calls asking if I am accepting new patients. I just said, I am sorry but you have the wrong number. After the fourth call I asked who they were trying to reach. I was told the name of the doctors office and read the number to me. It is my personal number and I have had it for 22 years. I went onto Blue Cross Blue Shield site and looked up the office and it does show my number.
I contacted BCBS and they told me that they looked it up online and it is a different number listed there but they cannot do anything. She then told me to call the office and see if I could get them to change it in the providers portal. No one is returning my calls from this office, so no help there.
I can't not answer my phone as I use it for my business. Any suggestions or insights would be greatly appreciated.
State Farm - State Farm's Drive Safe & Save doesn't work on the app
Ever since they merged it with the main app, it hasn't worked for me. The tab just says "Something went wrong and we can't display your Drive Safe & Save info right now." How do I get it to work? I just got an email saying I need to complete steps on that tab or else I will lose my discount.
Trupanion - Pet Insurance - Canada
Hello, I just found this sub.
I am looking at getting pet insurance.
I have a 3 month old cavapoo.
I was going to go with fetch until I saw all these horror stories.
I am in Canada. Any suggestions?
I got quoted $108 with trupanion. Seems high. Fetch was like $60 with the wellness.
I notice they all jack up premiums based on whatever yearly too. Even if trupanion says it's not based on age, they can blame it on whatever. I asked them and they said they're is not cap on how much premiums can increase.
I understand it's a gamble. Might never need it but I want the piece of mind of having coverage.
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