Travel Insurance and declaring ‘Pre-Existing’ Conditions I have had problems in the past with depression, anxiety, bulimia, a short phase where I needed an inhaler as an adult, ‘IBS’ which turned out to be caused by a gluten intolerence. The anxiety and depression were due to being undiagnosed adhd and being on the wrong contraception, the Bullimia was a relapse in lockdown (been recovered 8 years), t…

Do You Have Insurance on Your Gear? How? Looking to insure my Gear (Canon R6 ii plus a few lenses). I’m a hobbyist so professional/business Insurance doesn’t seem to be a viable option. I do, however, sell a little bit so adding to homeowners/rental isn’t viable either. Looking for a policy that covers theft and accidental damage, particularly when traveling internationally as I trave…

LPT If you have a home get an umbrella insurance policy in addition to home insurance. Not only will it protect you from your own mistakes if you have kids under 18 it will protect you if they do something. Insurance companies will have their own lawyers take care of the lawsuit. submitted by /u/aguyonahill

Buying travel insurance for the trip home ? I’ve been in Australia the past few months on a working holiday visa. I’m returning home to Europe but I’ll be in Indonesia for a month on the way home. Do I buy travel insurance from an Australian company or European company? My understanding is you have to be a resident of a country to buy travel insurance from them. Does a working holiday vis…

Travel insurance for multiple countries I’m planning on spending 8-9 months in SE Asia before going to Australia on a WHV. Is it worth getting yearly insurance that covers both SE Asia and Aus, or getting separate insurance for each part of the trip. 1) I’m not sure when my SE Asia trip will end so it would be good to be covered for all of it, 2)I plan on travelling the first 6 months…

Do not rely on life/disability insurance solely through your employer. Do not rely on life/disability insurance solely through an employer. Do not rely on life/disability insurance solely through an employer. Do not rely on life/disability insurance solely through an employer. Obtain coverage individually, as well, with no ties to whether you’re working there or not. The younger you purchase, the better. Signe…

Insurance help – Canadian Hello, I am going on a three week trip to Europe where I will be doing some hiking. Nothing crazy/no rock climbing or super high altitudes (over 3000m) but a multiday hike through the mountains. What sort of insurance should I look in to or where should I start? I have pretty basic credit cards so not covered under anything there and no insuran…

Elderly Relative has Whole Life Insurance, he’s not sure what to do with it A family member who just turned 65 has been asking for advice about various things, and one of them is that he has a whole life insurance policy and isn’t sure what to do with it. It’s for 25,000 and he’s had it for roughly 40 years now. I think of whole life insurance as being terrible, both as an investment and as insurance. In his case, the i…

Insurance: to claim or not to claim Background: we had a one time water event in our master bathroom. The shower leaked into the wall/door jamb and under bathroom tile and a bit into master bedroom carpet. We have home insurance with a $5,200 deductible, and our insurance company has already approved our claim. The drying mitigation company has already charged us $3,600 to dry ou…

Should I lower my auto insurance after paying off my car? 🚗 I’m 24 and just paid off my car, it’s my first car and I want to keep it due to financial instability. So my car is a 2016 Kia Soul Base with 84k miles on it, made my last payment earlier this month. I’ve had the loan since early 2019. Right now I’m paying auto insurance ranging from $165-$190 a month with State Farm. I have full coverage. I do …

Dental Insurance Issue, Need Help Long story, bear with me: I went to the dentist ~6 months ago and got 4 fillings, I was told the insurance covered the majority and I would have to pay $100 something, which I did and was fine with. Then when I tried to schedule my next one, they told me they never got paid by my dental insurance company, I had changed jobs since I went and didn…

Insurance question: Pet cover included. Hi there, I’m heading off for 10 days in the sun soon, much needed as I’m in the UK and the Summer weather will not be making an appearance. I’m currently looking at insurance and my other half reminded me that I need one which includes a limit of pet cover, such as covering costs for accommodation if we’re delayed, vets etc. However, I’m really…

How does it work having 2 insurance plans? Hello my husband has a primary care visit coming up for his asthma. I pay a little extra to put him on my Aetna health insurance through my work because my plan is a little better as I’m a nurse and his job doesn’t seem to be as stable as mine so we want to make sure he has coverage just in case. However he has a plan with blue cross only for hi…

LPT Extra warranties/insurance U.K. LPT as someone who used to work in insurance. Unless you are worried about accidental damage and have good reason to, don’t go for the monthly insurance options. I quit because I felt like a parasite, it was awful for my MH. The consumer rights act 2015 essentially means that for 6 years, the company had to repair/replace the goods if they beco…

Which health insurance shoul I buy? Hi , I want to buy health Insurance (Base sum insured 10L) but I am confused between these :- 1) HDFC Ergo Optima Secure. 2) Aditya Birla Activ Health Enhanced. 3) Aditya Birla Activ One I have gone thorugh the policy wordings of the companies. I dont mind paying extra premium or spend on add-ons. All I want is a good settlement during time of …

Too late for pet insurance? I took my cat in for an oral checkup because she’s been having some noticeable discomfort in the mouth lately. During the checkup, they spotted a potential growth or lesion of some kind on the back of her tongue, and warned me it could be a tumour. If it was just a simple tooth extraction, I could pay out of pocket, but this sounds like it’s goi…

Ambulance kept billing a different amount than my insurance’s EOB, so I have been working with my insurance for months, but now it’s in collections… In September, I had an ambulance ride to a hospital for severe chest pain (25F). When the bill came, it was about $300 higher than what my insurance said I should be paying. I immediately called my insurance company the first time and they called the billing for EMS and it was discovered that EMS billing had made a mistake. My insurance told me …

How a perfect storm sent church insurance rates skyrocketing (RNS) — The same factors that have caused a crisis in the homeowner’s insurance market are also affecting churches, who have to choose between paying for insurance or running programs. The post How a perfect storm sent church insurance rates skyrocketing appeared first on Religion News Service.

Route Insurance Feedback Looking for some feedback on Route insurance. We are considering implementing it, however don’t like the fact that we cannot a/b test it via our Shopify store, the fact that it’s natively toggled on so the customer has to uncheck it and on top of it all they require a year long contract. We currently have damage claims on average 1 per 750 order…

Whole Life Insurance worth it? Out of school from getting her doctorate my (30m) wife (29f) began working for a non profit hospital so that her student loans would be forgiven after so many years working for it but I believe she would still have to pay a chunk for taxes. Because of this a Northwestern M advised her to sign up for whole life insurance that she pays around $500…