I got a cat in November and enrolled her under Spot, starting a plan at $17.87 / month. I took her to the vet in December to check why this otherwise healthy cat had no interest in chewing food, and they said they said she had a bad case of FORL and they recommended removing the impacted teeth, which were most likely causing her pain. I submitted two claims to Spot, one for the first visit in December and one for the expensive teeth removal surgery in February. For both, I only attached the vet invoices which included the vet medical notes. Initially, both claims were rejected for lack of inclusive information about my cat's health, meaning the SOAP notes. I ended up finding and submitting the form that was given to me from the shelter when I got her, which only contained her vaccinations, record of spaying and a mention of medicine for diarrhea. I explained to Spot that was all I had, and no one knew anything about my cat's health in her life prior to the shelter. Just a few days later, I got notified that they had approved both claims reimbursing me $21 out of the $78 visit and $288 out of the $697 surgery. **That means that my total annual billing for the insurance is $214 ($17.87 x 12) and by March alone I have already been reimbursed $309. I'll take it.** https://preview.redd.it/si7w4q5tcipe1.jpg?width=887&format=pjpg&auto=webp&s=2b08b2273dc1ac812143cbdbe683b8f30d65722d

I submitted a claim for a Wellness Benefit. Date of service: Feb. 2025 Aflac denied the claim on the grounds that a Wellness Benefit had already been paid out this calendar year. But the last Wellness Benefit had been for a date of service in November 2024, so last year. The only way I can figure it is that my policy began in May 2015, and that by "calendar year" they mean May-to-April, not January-to-December. Or.... are they wrong to deny my claim?

My girlfriend received a collection letter last month about an outstanding AllState Insurance bill she does not believe she owes. Following my advice, we sent a debt validation letter to the collector, using a template we found on the cfpb (consumer financial protection bureau) website. The response from the collector did not make much sense to us. They essentially said "we need more information from you to provide the info you asked for. You also didn't provide any info to dispute the debt"....which is not what we were trying to do. Does this response mean they do not have the information to validate the debt? Or did the template we used not do what we expected? Is the next step to file a complaint with the cfpb as [this](https://www.consumerfinance.gov/ask-cfpb/what-information-does-a-debt-collector-have-to-give-me-about-the-debt-en-331/) page suggests, or do we just ignore this and go on our way? By the way, this isn't affecting her credit yet. **First two images are the validation letter we sent. The last image is their response:** https://imgur.com/a/EWyOVfO

I am 20 years old and on my parents insurance. I got prescribed a medication under the impression that they would not be notified but my dad got a call about the prior authorization being approved and also a letter in the mail. Does anyone know how to change this/prevent this happening again in the future?

Travelers Home Insurance. Claim filed 6/3. 1st agent came 6/11 and my roofing contractor was present. He quit the company the following week. New guy assigned. Came 6/27 then went on vacation. A few weeks later he calls and mentioned he wants an engineer to look at the roof because he agrees there is hail damage but doesn’t agree it’s a full roof rebuild. Fine. 7/16 engineer comes out. Contractor present. It rains before he took photos, so he has to come back on 7/21. Fine. It’s August 5 and the travelers insurance guy says he still doesn’t have the engineer report. Is this timeline normal for a claim like this? Does this breech the law that states 30 days for insurance claims to be investigated?

Hey guys, State Farm is trying to increase my rates by another $300 per 6 months. Told them I’ll be taking my 19 years of customer service with me. Which insurance has discounts for being a nurse?

Location: Georgia, USA Hello everyone- My brother was in a motorcycle accident April 6, 2024. He was in ICU for a month and discharged in July, 2024. During that time he did not have his phone, access to email, or ability to check standard mail. My brother was a PE Teacher and football coach in the state of Georgia for 27 years. All of his insurance premiums were paid for once a month in his paycheck. The state of Georgia agreed to early retirement with benefits beginning July 2024. Blue Cross informed him last month they were dropping his insurance for delinquent payments. His appeal was denied. My brother is looking into COBRA as well as ACA. What steps should he be taking to get the necessary pain medications he needs daily? Thanks!

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.

A friend is in a fix - seeking to get some expert's thoughts here: Is there an option to close 403b? who to ask? Should it be the company (Fid in this case) or the benefits team. unfortunately he worked for a short term in a school summer position and saved 400$ in 403b. did not know that there will be a fee of 70$ charged every year ( ridiculous amount ). No longer doing the job but will be a student another few years. Fidelity says benefits has to terminate the employee status and only then funds can be taken or account closed. benefits say they can't terminate until he remains a student, even if not doing the summer job. The balance now is 330$ :( He's quite upset understandably. Pretty soon will come 0 if no action taken What are his options? Fidelity chat isn't helpful and say cannot close since he is still active in status. It is a mistake hoping to save, without realizing the fee unfortunately. Any thoughts or suggestions? Thanks

Location: South Texas Hello! I recently purchased my first home here in a coastal city in the state of Texas. As all of us on the gulf coast know, I am required by my mortgage lender to carry a windstorm policy for protection during hurricane season. This policy was set up by my home insurance company, and therein lies my issue. The home insurance company filed incorrect paperwork which inaccurately qualified my home for windstorm coverage and additionally inaccurately qualified my home for the mortgage company to lend to me. Can I (or the mortgage lender) file suit against the insurance company for this error? Edit: apologies for leaving out important context. The Texas windstorm agency has informed me that my policy will be discontinued in April if I do not provide the original paperwork for the property from 1988. (The paperwork was not completed in 88 despite insurance claiming it was) And if I cannot provide the paperwork I will be charged a 15% addendum to the premium in order to maintain my coverage.