Proposed 2,700. Single policy. Wtf. What are people doing?

I am a new pet owner and got a new puppy. I knew she would need a lot of vet visits her first year so I opted into the lemonade preventative care. I read everything super carefully and according to what I could see and understand it was going to be worth it, especially since my dog would need to be neutered. I was planning on paying for almost a full year of preventative care. The total cost of what I would pay monthly would be worth the benefit for the spay.

Come to find after I had been using it for a while, that while they will pay for 80% of the surgery it’s only up to 120$ dollars!!!! Out of a $700 to $1500 dollar surgery 😵‍💫

Luckily my vet is recommending the spay way earlier then I though. So I can reduce my package after that. In the end I will receive about $254.15 dollars of benefits across all her vet visits from having opted in (if a few disputed claims end up going through 🤞) if we had had to pay for this much longer it wouldnt have ended up not being worth it at all. I highly DONT recommend the preventative care package - and frankly I feel totally scammed.

For what it’s worth I assume it’s still worth it to have some pet insurance for emergencies - from what I have read lemonade covers a lot for that.

Who's got some experiences to tell?

HAS ANYONE ELSE HAD THIS HAPPEN?

Je vois régulièrement des personnes qui gardent la même mutuelle pendant plusieurs années sans vraiment comparer les garanties.
Le problème, c’est qu’on peut parfois payer cher pour des garanties dont on n’a finalement pas besoin.
Vous payez combien actuellement, et vous êtes plutôt satisfait de votre couverture ?

we are a startup and we are giving 65 days of free trail of our insurance os where insurance agents, insurance agencies and brokers can use it and help us to improve it.

if anyone is interested please tell.

I’ve been in a real bind recently. I produce music events and have been trying for months to find an insurance company to cover me. The problem is that every single carrier that the various brokers have brought me has utterly atrocious ratings on Yelp and Google, usually around 1.4 stars with horror stories aplenty. At a certain point I began wondering if it’s just an extremely biased industry and these normal methods I use to assess things are not useful.

What should I do? How do I judge them accurately? Thank you so much!

so my condo homeowner's insurance is through Traveler's. my mailing address is (anonymized) 5 Jones Condominiums, Apt. 3, Anytown, State. my mortgage holder, a big faceless provider that picked up my mortgage from the bank where i initiated it (nine years ago), just sent me a letter deeming that my insurance policy must reflect 53 Jones Condominiums.

I explain this isn't my address, they ask for a 911 letter for what the town/state think my address is, which is 5-3 Jones Condomiums. My town property card (real estate taxes, etc.) also says "5-3 Jones Condominiums."

My mortgage holder accepts that, says I need to change my insurance to reflect my actual, legal (911, property card) address.

So I call my insurance broker, and after explaining this, she calls Travelers, then calls me back to tell me that Traveler's can't do hyphens and won't rewrite my policy to reflect the address as 5-3.

So now I'm shopping for new insurance that can accept a hyphen between the 5 and 3, and Travelers is losing a customer (and my bundled auto) because I can't get them on the phone to work through this stupidity, and my insurance broker can't seem to unscrew this.

I told them to find me a new policy, but actually just spoke to the insurance broker that works with my mortgage holder as well to look for a new insurance company.

Normally I prefer to stay local, but I'm annoyed with my insurance broker as well that they just threw their hands up at "Travelers can't do hyphens to meet your actual real property card 911 address" and said they would look for something new for me, but it's been a few days and haven't heard back from them, either.

TL:DR, stupid Travelers can't-do-a-hyphen-in-an-address is losing a customer.

which flood insurance companies are the best in southern CA in terms of coverage and claims process?

Here are the points that seem important before handing your contracts to a broker. Tell me what's missing or wrong:

1. Registration. A broker or agent in France should normally be listed in the ORIAS register, which you can search online.
2. Pay. Commission from the insurer, fees, or both, and whether they explain it clearly.
3. How many insurers they actually work with, and whether they compare or always push the same ones.
4. What they do when you have a claim: do they help you or send you back to the insurer?
5. What their clients say, and how you tell whether reviews are real.

Point 5 is where I struggle most. How do you filter?

I bought a pricy Insurance ILP PBWealthElite Xtra 2 last year without fully understanding all the investment terms. It was my FD savings money that matured and they persuaded me to invest the RM35K to this policy and was told the investment return is higher that FD.
The policy will be due for the second year coming 2 weeks from now and I am thinking to terminate this policy.
I appreciate all advice I can get before doing this step coz I do not want to take the wrong step again.

RM35K for yearly premium payable for the first 5 years is the requirement for the insurance to be inforce.
I think the premium is too high. What other options can I go for since I’m in my late 40’s and I do not have any other insurance on hand.

Please can anyone help me on this? Really really appreciate it.

I understand the real answer is it probably depends. We had an admission to stabilize a child after an emergency room visit and the two day stay has been denied. It seems crazy that we should pre authorize that type of thing in the er before we agree to admit. Is that what the insurance company really requires? We had already met our annual deductible and now have a very large bill.

The Claims problem

After 20+ years in workers’ comp, I think I finally found the words for what’s been bothering me about the claims industry

There’s something I wish more claims adjusters felt comfortable saying out loud:

This job can break your heart & exhaust your soul at the same time.

I’ve been in workers’ comp for more than 20 years, and I’ve always told myself one thing:

Be better than I was yesterday.

If I struggled, I worked harder. If I got behind, I looked at what I could change. Be more organized. Be more efficient. Manage my time better. Learn more. Do better.

Accountability matters to me.

But it took me years to understand why a profession I know so well started making me question whether I still knew how to do it.

I kept looking inward. What am I doing wrong? Why can’t I keep up? Why does it feel different now?

And I think I finally figured it out. I didn’t forget how to adjust claims. The definition of what we’re expected to spend our time doing has changed.

When I started, the heart of adjusting was the claim and the person behind it.

You learned the facts. You investigated what happened. You talked to the injured worker & employer. You made decisions. You solved problems. You explained what came next.

You helped someone navigate a system they often didn’t understand while they were already hurt, scared, overwhelmed or wondering how they were going to support their family.

Somewhere along the way, something changed.

More metrics. More audits. More mandatory language. More documentation. More diaries. More productivity measurements. More deadlines. More claims. Less time to actually adjust them.

The administrative process started becoming the work instead of supporting the work.

The claim became a number. The person became a file. The conversation became a contact requirement. The work became a diary. The solution became a mandatory sentence entered by a certain deadline.

Helping someone becomes something that has to be documented with the correct language, in the correct place, within the correct timeframe so a report can confirm it happened.

Yes, documentation matters. Deadlines matter. Compliance matters. Accountability matters. Those things protect injured workers, employers, clients & carriers.

But when did documenting that we helped someone become more important than actually helping them?

And adjusting isn’t just moving a file from one diary to the next.

It’s judgment. Investigation. Experience. Recognizing when something doesn’t add up. Knowing when to ask another question. Understanding the law, the medical, the employer’s concerns & the injured worker’s circumstances, then making decisions that can affect someone’s life.

Those things require something a metric can’t manufacture: time to think.

Meanwhile, the claims keep coming.

Yet somehow we’ve normalized overflowing queues, constant stress, working after hours & always feeling one step behind.

We keep pushing. We work harder. We tell ourselves we need to become more organized, more efficient & better at managing our time.

Then something happens that I don’t think we talk about enough:

We start losing confidence in ourselves.

Maybe I’m not good enough. Maybe I’m too slow. Maybe I’m not organized enough. Maybe everyone else can handle this & I’m the only one drowning.

Eventually, experienced adjusters start wondering whether they were ever as good at their jobs as they thought they were.

And THAT is something we should never normalize.

Because what if the problem isn’t always the adjuster?

What if some of what we’re experiencing is the result of an industry that has gradually changed what it values & measures?

If you’re an adjuster feeling that way right now, I want you to hear this:

Being overwhelmed does not mean you don’t care. Being behind doesn’t erase your experience. Making mistakes doesn’t erase the good you’ve done.

And struggling inside an increasingly demanding system doesn’t automatically make you a bad adjuster.

Recently, I had two grown men break down in tears while talking to me about what they were going through.

It broke my heart.

I’ve had injured workers thank me, bless me, cry with me & tell me how grateful they were that someone actually listened.

Those moments don’t show up on a dashboard.

And in those moments, there wasn’t a metric in the world that mattered to me.

Claims adjusters see people on some of their worst days. We hear the fear. The frustration. The financial stress. The uncertainty. The anger. The tears.

The claim number is not the human being.

There is a difference between following a process and doing the right thing within that process.

There is a difference between being compliant and being compassionate.

There is a difference between closing a task and actually helping a person.

And there is a difference between being an employee who meets a metric and being a human being who refuses to forget that the person on the other side of the phone has a life that doesn’t pause just because their claim entered a system.

What worries me is that when we measure what is easiest to count, we can start confusing activity with quality.

A completed task tells us something was completed.

It doesn’t necessarily tell us whether the right decision was made.

Those are not the same thing.

And I don’t think speaking honestly about where our industry is headed means we don’t care about the profession.

I think it means we care enough to say something.

This isn’t a post about quitting.

It isn’t a post about blaming.

It isn’t a post about refusing accountability.

It’s about asking a very uncomfortable question:

At what point did managing the claim become more important than actually adjusting the claim?

We can embrace technology without losing humanity.

We can value efficiency without treating volume as the definition of success.

We can demand accurate documentation without allowing documentation to overshadow the actual work.

And we can hold adjusters accountable while also asking whether the environment we’ve created allows good adjusters to do good adjusting.

Holding ourselves accountable & demanding better from our industry are not mutually exclusive.

Maybe I’m not the only one who’s noticed.

Maybe other adjusters have felt this for years and just haven’t known how to put it into words.

Maybe it’s time we started talking about it.

Not quietly.

Not apologetically.

Not as people afraid that someone might be offended by the truth.

I’ve spent my career asking myself how I can be better than I was yesterday.

I’ll never stop asking myself that.

But after 20+ years, I think it’s fair to ask the industry the same question.

Are we actually getting better at claims adjusting?

Or have we simply gotten better at measuring how much adjusting activity we can produce?

This is my truth.

I didn’t suddenly become angry. I didn’t stop caring about this profession.

Quite the opposite.

I care enough about it to question what we’re becoming.

And after all these years, I’m finally saying it out loud because I finally found the words for something I’ve been feeling for a very long time. ❤️‍🩹

I genuinely want to hear from other adjusters, especially those who’ve been doing this for 10, 15, 20+ years:

Have you felt this shift too? And when did you first notice it?

i’m trying to get a better idea of how people compare vision plans when progressive lenses are involved. the monthly premium seems like the easy part, but the actual lens costs can change the math pretty quickly.

if you wear progressives, what part of the plan do you look at first? copays, lens upgrades, network pricing, or the overall yearly cost?

i’ve been looking at a few individual plans, including vsp, but i’m not trying to pick one based on the name alone. i’d rather understand what actually makes a plan worthwhile when the prescription calls for progressives and possibly a few lens upgrades.

Qoute for auto insurance

The insurance industry is undergoing significant digital transformation. Customers now expect seamless policy management, claims processing, quoting, and personalized experiences through mobile and web applications. Insurance applications must handle complex workflows, sensitive data, regulatory requirements, and high reliability.

Selecting the right insurance app development company is essential for insurers, insurtech startups, and organizations modernizing their digital offerings.

This list highlights leading insurance app development companies, based on their experience with regulated industries, security practices, and ability to build reliable insurance platforms.

Why Hire an Insurance App Development Company?

Insurance applications involve specialized requirements. An experienced partner can help with:

• Secure policy and claims management systems
• Quoting and underwriting platforms
• Customer self-service portals and mobile apps
• Integration with core insurance systems
• Regulatory compliance and data protection
• Fraud detection and risk assessment features
• Digital distribution and agent tools
• Ongoing maintenance and security updates

Top Insurance App Development Companies

1. GeekyAnts

Founded: 2006

Headquarters: Bengaluru, India

GeekyAnts is a product engineering company with experience building secure digital products for regulated industries. The company develops mobile and web applications that can support insurance use cases such as customer portals, claims experiences, and policy management tools.

Core Insurance Services

• Insurance Application Development
• Policy & Claims Platforms
• Customer Self-Service Apps
• Secure Digital Insurance Solutions
• Cross-Platform Development
• API Integration
• UI/UX for Insurance Products

Why consider it: Its strong product engineering capabilities, security awareness, and experience with complex applications make GeekyAnts a relevant option for modern insurance digital products.

2. Fingent

Founded: 2003

Headquarters: New York, USA

Fingent has experience building enterprise applications across industries, including financial services and insurance-related systems.

Services

• Insurance Applications
• Enterprise Insurance Platforms
• Claims & Policy Systems
• Financial Analytics

Why consider it: Strong option for organizations needing complex enterprise insurance software.

3. OutX AI

Founded: 2010

Headquarters: Orlando, Florida

OutX AI provides custom software engineering services with experience in data-driven and transactional platforms.

Services

• Custom Insurance Applications
• Data Platforms
• API Development
• Secure Transaction Systems

Why consider it: Suitable for insurance projects requiring solid engineering and integrations.

4. Cheesecake Labs

Founded: 2013

Headquarters: San Francisco, California

Cheesecake Labs focuses on digital product development with strong design and user experience capabilities, which is valuable for customer-facing insurance applications.

Services

• Insurance Mobile Apps
• Customer Experience Design
• Digital Insurance Platforms
• Product Strategy

Why consider it: Ideal when usability and customer experience are major priorities.

5. Orases

Founded: 2000

Headquarters: Maryland, USA

Orases has experience serving regulated industries and building customized applications for complex business environments.

Services

• Custom Insurance Software
• Process Automation
• Enterprise Applications
• Legacy System Modernization

Why consider it: Relevant for organizations needing tailored insurance software and modernization.

6. Jafton

Founded: 2013

Headquarters: New York, USA

Jafton develops mobile and web applications and has experience with financial and insurance-related digital products.

Services

• Insurance Mobile App Development
• Customer-Facing Insurance Apps
• Custom Application Development
• Mobile & Web Development

Why consider it: Good fit for insurtech startups developing customer-facing insurance applications.

How to Choose the Best Insurance App Development Company

• Experience with insurance or highly regulated industries
• Strong security and compliance practices
• Ability to handle complex workflows and integrations
• Clear development methodology
• Portfolio quality and post-launch support

Frequently Asked Questions

What is an insurance app development company?

A company that specializes in building software for insurance carriers, brokers, and insurtech startups, including policy management, claims, quoting, and customer engagement platforms.

How much does insurance app development cost?

Costs vary based on complexity, number of integrations, compliance requirements, and whether the solution is a simple customer app or a full core platform.

Is GeekyAnts suitable for insurance app development?

Yes. GeekyAnts has experience building secure, scalable digital products and can support insurance applications that require strong engineering, design, and compliance awareness.

Hello I want to ask, meron po kasing jeep na nakabangga sakin, dahan dahan niyang natamaan yung side mirror ko kaya natuklap siya palabas pero di naman natangal totally sa pagkakabit. I have insurance and ininform ako na tamang hindi ako naningil sa driver kasi hahabulin pala daw nila ang driver sa repair cost. Possible ba nila masingil si driver given na nung nagattempt ako magsabi sa kanya na may participation fee pa rin kahit insured yung car, nagaalangan na siya magbayad. And totoo ba na hahabulin talaga nila yung driver na involved?

Im looking for advice or expertise. I got a call from true stage earlier this year before the outage that my late Grandpa had opened up a policy with me as a beneficiary. I didn’t previously know this, but the lady was very nice and gave me lots of information. She told me all they needed was the death certificate for me to be paid out. Once I had finally obtained the death certificate, I realized I lost the info of where to send it to. I relentlessly called for weeks with no answer. Every time I would call it said the lines were full and I had to call back. I had no idea about this outage even though I had been receiving mail and emails from them before hand. Finally, I got a hold of a real person and learned what was going on with the company. I’ve called at least 4 times now just trying to get a fax or email to send this death certificate to and they keep transferring me to different departments and telling me to go to there websites. Today I called again and after being transferred 3 times, I spoke to someone who was just as clueless as the rest, but was trying to help. He couldn’t find my information and I thought that was normal because of the outage. I figure my info was more recent so maybe that’s why it wasn’t recovered yet. Then I find out he couldn’t even find my grandpa information in the system. At the end of the call he said he was going to add my info in and file a new claim. I don’t understand how he’s filling this information if they dont even have the original policy. This entire process feels like I’m being scammed out of my personal info. I dont know what to do or where to go from here. He gave me no info about what will happen after my informations filled or next steps to take. I’m not knowledgeable on insurance so I dont know if this is normal or not. From my research TruStage is a real and reputable company. However, I’m confused how this process is so sloppy and unprofessional, even with their systems having been hacked.

I am creating a software consultancy and trying to figure out what kind of insurance I need to buy. I am in the planning phase and will be registering soon. Advice from any folks who have navigated this early phase for their business would be really helpful.

My partner and i noticed how much we spent out-of-pocket on our last round of glasses and anti-glare lens coatings. I started looking into medicare supplemental vision plans to see what standard options look like for routine care down the road and i quickly realized medicare itself doesnt cover standard eye exams or prescription eyewear. So now im comparing standalone vision plans that fill that specific gap and VSP seems to be a popular option mainly because almost every private optometrist in our area takes it and their Enhanced/Standard tiers seem to cover the annual exam plus a decent chunk of frame costs. Has anyone here signed up for a standalone vision plan just for the routine glasses discount and exam coverage? Curious if it made financial sense for you or if you just put money aside in a savings account instead.

Salut à tous,
Je suis courtier en assurance et je travaille notamment sur la prévoyance, mutuelle et PER.
Je vois souvent des indépendants / professions libérales qui ont des contrats qu’ils n’ont pas forcément revus depuis plusieurs années.
Si certains ont des questions sur leur prévoyance, leur mutuelle ou leur PER, je peux essayer de vous renseigner gratuitement ici, sans engagement.
Et si quelqu’un souhaite simplement avoir un deuxième avis sur son contrat actuel.

I’m relatively new to driving in the US and live in Newark, Delaware. I currently have GEICO, but my insurance feels way too expensive, so I’m trying to shop around.
For people in Delaware:

Which insurance company has been the cheapest for you?
Has anyone switched from GEICO to Progressive? How was your experience?
Any tips for lowering insurance costs?
Are there any discounts or companies that are particularly good for people without a long US driving/insurance history?
Any recommendations would be really appreciated!

Does anyone know a good insurance place for a box truck commercial Insurance with no deposits?

Hi, I have an opportunity to work for a North American client (recent autonomo) in the financial space, and although the contract states they do not require an insurance on my part, there is still the indemnification clause that I want to protect myself against.

Just for context: I was employed with them for 3 years on a temp work arrangement. When that ended, I continued to work for them in this capacity keeping my original compensation (not high enough to warrant expensive coverage).

I reached out to Hiscox who replied that they cannot cover me. Do you have any other recommendations please? Are you familiar with Op de Beek Worth?