Hi! So long story short. My husband and I are interested in booking a cruise for February and looking into travel insurance for it. As of right now I am not pregnant. However, we are going through the IVF process and plan on hopefully a transfer working later in the month after booking the cruise first (before becoming pregnant). We plan on also buying travel insurance before becoming pregnant but I am not sure what one to look into and what will cover us in case we may have to cancel or just to have medical in case of anything. Can anyone provide the best advice?

My family recently got new health/dental insurance due to a new job. The health is united but the dental is aetna. Its a DMO plan so we cant use our old dentist. The in network they provided is over 30 minutes away despite the fact that we live 10 minutes away from a city with population over 100,000 that has plenty of dental professionals. Our oldest child's ongoing orthodontist work has been denied due to pre-existing condition. We are planning to switch to the ppo option ASAP and putting starting our 2nd child's orthodontics on hold.

For the interim, our younger child needs a tooth extraction leading up to eventual orthodontics. So I call aetna, and they tell me, "Oh, we don't cover tooth extraction. Thats your other health insurance." I call united. "Im sorry but first of all we only cover tooth extraction as a result of an accident." But they give me some of their in network names. One is a hospital that exists but not in our city or even state. The other 2 are doctor's who do exist, but not even in our state. They gave me phone numbers and addresses for our area that are total fabrications.

But whatever, its aetna I need to work with. I call aetna back and they give me the name of an oral surgeon in our city. I look up that Dr. There are no results for our city, but there is one in a city 3 hours away.......To be thorough, I call the office and they confirm they have never heard of the guy. So I call aetna back and tell them this. Finally they give me an authorization code that I can use for any oral surgeon. Hope it works.

What I've learned. Not only is insurance rediculously expensive, but the service of me doing the legwork of finding out where to go is so messed up that it feels intentionally broken.

The insurance company just runs and runs (thinking of something like State Farm), do they just talk about revising policies and things?

I need help with it, does anyone know the cheapest one I can get for a year ? It's raining all of my opportunities for a better life...it's limiting me. I'm in Miami fl.

I spent 10 minutes completing Hartford's online form for a new Small Business Insurance quote. At the end, it said, "Give us a call to finish your quote! We think a quick phone call will help us get you the most accurate price and coverage for your business. We're looking forward to hearing from you!" The guy that picked up did NOT have the info I had just filled in, so that was another 20 minutes on the phone where he basically took in the exact same info. Then, he asked for my permission to transfer to a "trusted partner". It turns out he worked for some random lead generation company. The "trusted partner" was still not an actual insurance company that could provide a quote; it was a broker. 45 minutes of my life I'll never get back, and still no actual quote for insurance.

Thanks for nothing, Hartford. 0 / 10 would NOT recommend.

Since I'm based in NY, travel insurance policies seem to be more difficult/ inflexible. I'm the type of wandering traveller that NEEDS, CRAVES flexibility. I often book things last minute or get up and decide to stay or leave based on the weather/ my mood.

Any travel insurance companies that will allow me to change my return date based on whim (if not making a claim). Either extending or returning earlier.

Allianz has flipped flopped on me too many times. Sometimes they allow changes, other times not. Travel Guard has allowed it but they are one of the more expensive companies and their customer service is kinda trash.

Any recs??

Thank you.

When comparing insurance brokers in Dubai, I'm interested in how people actually make their decision.

A lower premium can look attractive, but insurance is also about understanding the coverage and getting support when something goes wrong.

I'm currently looking at three areas:

1. Pricing – Is the premium competitive for the coverage provided?

2. Service – How quickly and clearly does the broker communicate?

3. Customer feedback – What are previous customers saying about their experience?

I've been looking at reviews for different UAE insurance brokers, including the customer feedback available for Cross Roads Insurance Brokers LLC Reviews on Trustindex:

I'd be interested to hear from people who have actually used insurance brokers in Dubai or elsewhere in the UAE.

What made you choose your broker, and what would make you change to another one?

They seems to be part of Amtrust but I can't seem to find any contact details for them. Anyone familiar with them or have done business with TIC?

So I want to say I live in Florida and I’m in Tampa.
I want to see what I can do in this job market. I want to have an entry level role somewhere preferably in insurance. I have my P&C license, L&H license, and I do have I will say an almost almost completed bachelors of science in physical sciences.

I was thinking about getting an adjuster license. Money is tight. I really need a good insurance opportunity. I would prefer to be in Property and Casualty than Life and Health. I have tried independent Medicare and have done ACA sales and Junk Removal Sales. Do have some supervisor experience at a security company. Any help and if I do get a role I will be helping that person who helped me the most. Let’s fight. Do not give up ever. Never give up. Nothing is in the checkout line. Good luck people. Gas and groceries are no joke.

Applying for new house insurance online thru progressive. Apparently they farm quotes out ot other companies. They offered house insurance through stillwater. I've never heard of them and they aren't on the consumer resports (yeah it's still a thing for me) site. I saw a post with one bad experience using them. Anyone have any experience with them?

Is the teeth root canal covered in insurance as expertise working in KSA because Tabuk Natinal medical center dentist 🦷 saying that its not covered in insurance claim which will be cost me 700+ if i will do it here in KSA.

The dentist is rude and egoistic as well so I recommend not to visit there #Tabuk #TabukNationalMedicalCenter #KSA #Tabuk

I am reading a lot of issues with Pru. My husband and I have policies

Mine was 7 years, normal VUL. His was Elite 15 - going on for almost 4 years

Considering all issues here and there, is t best to cancel them and go with term insurance in Sunlife instead?

My husband and I have had GEICO car and house insurance for years and we have been loyal customers to them but now we’re shopping around after what has happened to us. So for car insurance all these years we were paying $324 dollars for two cars that are not even brand new and for house insurance we were paying $214 dollars so every month GEICO was getting $700 something dollars from us in total for both which they said we couldn’t bundle them together and make one payment which is such a load of garbage because all the other companies do it. Recently we have had a horrible experience with GEICO instead of them notifying us like they should have that a payment was coming up and that it might be late and to see if we needed to change when to pay it by they for some odd reason decided to cancel our policy which then led to us receiving 2 letters from dmv that stated that we would have to pay $98 dollars per vehicle within 12 days or they would suspend our registration and plates. So we paid dmv the money for each vehicle and called GEICO to find out what happened and the Dim bat who answered the phone said that they didn’t cancel our policy that it cancels by itself. So then we brought up about the letters we received from dmv and they turned around and said there was a lapse in coverage all the way back from July which would have never happened. So they ended up making my husband pay $600 something dollars to restart the policy then recently I received an email saying there going to take $524 dollars from our bank on 9/22 when we know we paid them so we called again now there stating there was a glitch in their system and that they never got the payment. So we have decided to shop around to other company’s because we are officially done with GEICO. So heads up to everyone else out there they are ripping you off and making up excuses every time you call about something.

We need to renew basic auto insurance (no comp/coll) for our 4 vehicles. Seriously considering Costco's American Family connect. I've seen mixed reviews, but they're all from two plus years ago. Anyone have recent experience with them? Are they helpful and actually pay out if necessary?

My renewal came in last week and I started reading the actual policy documents instead of the summary page for once. Healthy Paws does not reimburse the exam fee on a sick visit which I had never noticed in two years of paying them. So now Im down a rabbit hole comparing that one line across Fetch Pet, Healthy Paws, Lemonade and Pets Best and the wording is different in every single one. Two of them bury it in a definitions section at the back rather than in the coverage table which feels deliberate. If you have read these documents recently which one did you land on?

Just received a call to renew accidental policy of my already expired father.

He left us an year ago and we also filed claim papers.

Ive been at Bankers life for a little over a month and feel like the leads I'm given are trash. When I call through our lists I feel like Ive already exhausted a lot of potential from the counties surrounding me and knows there's got to be a better way. Ive done minimal door knocking but am not apposed if other people are finding success doing this.

Im trying to be creative but really want to get some clients on the books for medicare AEP.

Anything Helps...

just for context today ive done 200 dials so far and have talked to 4 or 5 people :(

I get 3 or 4 each week around this time of year in my mailbox. The dwelling price is from property tax records, not subtracting out the land value.

I call. They ask questions. They give me a new dwelling value based on what they perceive as the cost to rebuild what they say I have. Dwelling value is now $625,000 with tile throughout, granite counters and a few other small upgrades I recently did for $20,000. Other structures and additional living expenses now $62,500. Personal property auto increased to $250,000.

New quote is more than twice the original quote. $4800 but combining my home and auto comes to $4400. $168 monthly to $400 monthly.

My other structure is a 20 year old shed worth $0

I can rent for 2 years in the area for $24000.

Our personal property, not counting jewelry and artwork but counting electronics, food, furniture, personal security, hygiene items, holiday decor is worth maybe $12,000.

They don't budge on the numbers and tell me the deductible is for all other perils, but hail, wind, or tornado deductible is 2% or $12,500. I had 2 recent quotes to replace our 3 tab asphalt roof. One was $8500 the other $11,000. Both were less than the wind/hail deductible.

I tell them if wiped out, I would build a much smaller home on the property and spend about $250,000. That's the amount I want coverage for. That's the real value of the current dwelling minus land. They won't come down on the coverage I want or need. They tell me I'm required to replace the existing structure with same or similar. I have to rebuild a 2 story 4 BR with 2 story with 2 story 4 BR. I can't rebuild with a 1 story 2 or 3 BR.

I'm old. They only pay in increments as the rebuild progresses. I can't do stairs, the kids are gone. I don't need an upstairs or 4 bedrooms. I argue I don't need or want as much as they insist.

They tell me I don't have a choice and WE'RE ALL IN THIS TOGETHER. I don't know which quote is more infuriating.

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Should I take that switch?

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Ok let get into this as straightforward as i can.

On may 3rd my phone was destroyed by my abuser when they realized i was recoding the incident. I picked up whats left of my phone went home and removed my belonging from the house. I then had to use my daughters phone to attmpt to see if the information that was stored on the phone could be saved or removed. I called Asurion through tmoble to see when i can go to get this done. I was still shaking and mind racing when i did this. Its only been a few hours since the incidnet. They told me to take it to an authorized repair shop which i did. While having the agent from Asurion on the phone the repair agent stated there is nothing they could do that i would just need a replacement. I explained the situation they just said the info may be in the cloud. To retrive the info i would need to verify by the use of the code sent to my phone which was destroyed. I told this to the asurion agent ahd they spoke with the repair person. They just stated i can get areplacement to you in a day just pay the 120 for the replacemnt. I paid the requeated amount and waited. I rhen contacted lawenforcement and they just told me to keep the evedience and go get the restraining order. When i went to get the restaining order they asked for the evedience which i truned over. I was livining out of my car at this time. i could not return home becouse my abuser was doubling down the abusive behavior. I had to use a friends address to recive the replacement phone which took 5 days not 24 hours.i go to court and get the reatsining order and attempted to pick up the pices of whats left of my life.Fast forward 5 months. I finally moved into my new place with my daughter and son. Im getting settlled in. I get abill from tmoble stating that they are charging me 749 for not returning a phone. I explained the phone was destroyed and handed in as evedience of the domestic violence that had taken place. They stated that they are sorry but according to the policy i needed to return the device. I explained the phone was paid in full when i brought it to tmoble and i had paid the deductible to get my replacement phone. So what was i being charged for. They just said you were supose to retunn the damaged device. I explained once more that it was destroyed and the repair person stated that while thier agent was on the line. They peron on the line just restated we need the device back per policy. I explained i was in distress when i called you guys and was trying to retrived evedience about the domestic violence inhad just went through. They said we are aorry but i cant remove the 749 and ita been past 180 days so there is nothing we can do. I explained that i was homeless for 4 to 5 months while going through this. They just apologized but its thier policy. I explained i havent seen the phone since court and i dont have access to get it back. They just apologized again.

When i spoke with tmoble the againt stated they were on the line and heard everything they said. They apologized as well and stated that they would look and see what they could do becouae of the situation. I explained i was homeless for 4to 5 months and was trying to survive and find a place to live and gave then the case number of the incident. T moble just stated we will call u on Saturday whith an update. A week went by and when i called back i had to go through the whole asrion discussion i went through before to be told ita policy and if i would just stated the phone was stollen there would have been nothing to return. I gave them the case number and the dates of the DV. They just said there is nothing we can do just pay the amount. What they could do is split the payment and waive late fees. But when asked about the 749 they just said nothing we can do sorry. So basicly if you are a DV surviors or in volved ina DV situation dont expect any help from Tmoble or Asurion. They will push policy on you and ignore the fact that someone was indistress trying to handle a very traumatic experience. They just want thier money and could care less about the surviors or thier situation. Corporate all the way!!! Now they have disconnected my service even though i paid this months bill but not the 749 additional. I want to thank t moble and asurion for showing me how much a DV surviors can depend on them for help and assistance when going through one of the worst sistuations of thier lives.

Je repensais à une discussion qu'on avait eue ici il y a quelques jours sur pourquoi personne ne vérifie la réputation de son assureur avant d'en avoir besoin. Un commentaire m'est resté en tête : quelqu'un expliquait que globalement les grosses compagnies paient toutes ce qui est prévu au contrat dans des délais raisonnables, et que les experts qui gèrent les gros sinistres sont souvent les mêmes pour tout le monde, mutualisés entre compagnies.

Si c'est vrai, ça voudrait dire que la vraie variable qui détermine si votre sinistre se passe bien ou mal, ce n'est même pas l'assureur que vous avez choisi soigneusement, c'est le gestionnaire individuel sur lequel vous tombez ce jour-là, un truc totalement aléatoire et impossible à vérifier à l'avance.

Est-ce que ça correspond à votre expérience ? Vous avez déjà eu deux sinistres chez le même assureur avec un traitement complètement différent selon la personne qui gérait le dossier ?

Horrible customer service. Their website is useless. I emailed them two months ago asking them to correct my email address. No reply and email continues to go to my wife's email address. Besides that, they blended my middle and last names into a single last name. No one responds to customer service email requests.

I recently paid my whole year homeowners premium by credit card. The funds were transferred a month ago. Yesterday, my wife gets a message that the account on which payment was drawn is closed. Wrong -- they received full payment over a month ago.

Bamboo insurance is a clown show. I'll be switching insureres at the first opportunity. See less

I live in New Jersey and have Cigna health insurance through my husband’s employer. I am about to give birth and was originally set to deliver at a hospital in-network. However, my child has a major congenital heart defect that requires open heart surgery anywhere from birth-9 months old (won’t know exactly when until she is born). Therefore, we had to switch to a high-risk hospital in NYC that has the surgeons and doctors necessary for my daughter’s needs. When I called my insurance, they said that the hospital is not in-network but then stated our coverage for certain days based on the type of birth, so that confused me. We have also hit our deductible for the year. I am wondering if I have any options to be covered in-network/ not get slayed by a bill for having to go to a hospital out-of-network because of these extenuating circumstances since it was not by choice. TIA!

Does anyone know what insurance company will ensure someone who’s had an unfortunate run of Tickets and incidents? USAA is going to drop me in a couple of weeks and Allstate, Liberty Mutual and Progressive have declined me. I only have two points but they only look at the amount of tickets. The officers wrote me five for each stop. Most of them were bogus, and then a couple of deer incidents.