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Bivvy Pet Insurance In The News

Bronco, a good boy.

CUNA Mutual Group owns Bivvys Pet Insurance. Per their website, In March 2021, CUNA Mutual Groups* Insurance Financial Strength Ratings were affirmed with a stable outlook by A.M. Best Company with ratings of A , S& P Global Ratings with ratings of A+ and Moodys Investors Service with ratings of A2.

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Bivvy Plans And Costs

Typically, monthly pet insurance premiums will be contingent on a number of factors specific to your pet, such as species, breed, age, and location. The downside to this is that owners with older pets and breeds predisposed to genetic health risks often get stuck paying exorbitant rates that ultimately negate the financial benefits of pet health insurance.

Bivvy is different. No matter what type of pet you have, youll only pay $14 or $15 per month for a comprehensive Bivvy policy. Bivvys basic coverage will reimburse you for hereditary and congenital conditions, chronic conditions, cancer, diagnostics, blood tests, X-rays, MRIs, ultrasounds, surgery, hospitalization, prescription medications, emergency care, and orthodontic treatments.

Your monthly premium with Bivvy also wont increase with age or because you filed a claim.

The Bottom Line: Bivvy Pet Insurance

Bivvy is an affordable and streamlined pet insurance company that provides one plan for all cats and dogs at the same monthly rate. The company is a good option for those seeking basic coverage of their pets since Bivvys standard plan will pay for most illnesses and injuries. Since Bivvy does not have exclusions or limitations based on age, it may also be appealing to owners of older cats and dogs.

However, Bivvy has a limited wellness plan. If you have puppies or kittens or are looking for an additional preventive care package, companies like Lemonade, Spot and Embrace may be worth considering for their coverage of spaying and neutering and higher annual caps for heartworm and flea prevention.

While Bivvy has a straightforward policy and claims process, it requires a hefty co-insurance of half the total cost of the veterinary service you are claiming and a flat $250 deductible.

Bivvy is also limited in its customer support, as representatives are not available by phone or online chat. Bivvy does have a customer service email address, but it is not clearly posted on the companys website and can only be found through the FAQ page. On the other hand, Fetch is accessible 24/7 through a live-chat feature and may be more appealing to those for whom customer service is a priority.

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It Was Easy To Sign Up For And Easy To

It was easy to sign up for and easy to navagate your platform. However I could not find if my puppy’s first routine check up and shots are covered right away or if there is a waiting period. However, the company replied to my reveiw and I found out wellness does kick in right away. Thank you Bivvy! I appreciate you!

Date of experience:November 16, 2022

Reply from Bivvy Pet Insurance

Thank you for the feedback on the easy sign up process! While our pet insurance does have a waiting period for accidents and illnesses, our Wellness Care kicks in right away when you sign up. Certain preventative care, such as Wellness Visits and vaccinations are covered by Wellness Care. Learn more about it here:

Easy to navigate. I would like to see something in writing though, besidesthat theyre insured. Like a contract or something. Good price, that because only pay 50%, but better than nothing.

Date of experience:November 24, 2022

Reply from Bivvy Pet Insurance

Thank you for this feedback and review, Suzanne! You can access an electronic copy of your policy at any time by logging into your pet parent account. You may also email us at to obtain a copy.

I have rescue pets it was so reasureing that you would take care of my pets with out a year of orevious vet records when I called in

Date of experience:November 02, 2022

Reply from Bivvy Pet Insurance

Date of experience:November 26, 2022

Reply from Bivvy Pet Insurance

Customer Service & Reputation

Vpi Claim Status ~ 6thdesigns

Most pet insurance companies operate through a claims processing system. Youll have to pay your medical bill in full and submit a claim to receive a reimbursement. Since this is the case, finding a company with reliable and responsive customer service is essential. A good customer service representative will be able to help you track your claims and troubleshoot any issues that may delay your claim from getting processed.

When shopping for pet insurance, try looking for a customer service representative or agent with your pets best interest in mind. The most comprehensive pet insurance plan isnt suitable for all pets, and you can end up paying high premiums for a plan that covers services you wont use. So, if you feel that someone is trying to sell you the most expensive plan, its best to move on to a different company that will take the time to find and customize a plan that best meets your pets needs.

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Is Pet Insurance Worth It

Pet owners may wonder whether paying for pet insurance is actually worth it, especially considering how much having a pet costs.

Pet insurance is worth the cost if:

  • You can afford the premium payments
  • You cant afford costly, unexpected vet bills
  • Your pet is young and healthy overall
  • Your pet will benefit from well-rounded coverage

Older pets with multiple pre-existing conditions wont reap the benefits of insurance. Premiums will be very expensive, and any condition or illness prior to enrollment wont be covered. This is why enrolling your companion at a young age is key.

Accident And Illness Coverage

Bivvy pet insurance only offers one coverage option for cats and dogs without the opportunity to adjust any policy aspects. The monthly premium for Bivvys one-size-fits-all pet insurance policy costs $15 per month regardless of age, breed, and size.

This plan does not have an upper age limit. Still, policyholders cant adjust the deductible, coinsurance rate, lifetime limit, or annual limit. The plan covers accidents, illnesses, hereditary conditions, congenital conditions, cancer, diagnostics, emergency care, rehabilitation, dental diseases, and prescription medications. Pet owners can also opt to purchase an additional wellness plan, which would help cover routine care costs like vaccinations.

Bivvy reimburses you for 50 percent of your vet bill if your dog or cat contracts any conditions that need expensive treatment. Disorders like hip dysplasia, cancer, or cruciate ligament disorders can cost hundreds or thousands of dollars out of pocket. Bivvy also helps alleviate financial stress from more common or chronic conditions like parvo, diabetes, worms, kidney disease, and upper respiratory disease.

Unfortunately, Bivvy doesnt cover diseases for which a preventable vaccine is available. That includes any vaccination deemed highly recommended by the American Animal Hospital Association. It also will not cover more than one foreign body removal surgery within a single insurance period.

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Bivvy Pet Insurance Phone Number

Bivvy pet insurance phone number is 1-800-743-4345. They are a pet insurance company that covers dogs, cats, and other pets.

The Bivvy Pet Insurance policy provides a fixed price and a low-cost option for pet insurance. Additionally, it offers wellness packages that can help you protect your pets health. It is reasonable to deduct between $50 and $250 from your taxes, but this is a per-claim amount rather than an annual deductible. Vyvy Pets policies are not as flexible as they should be. Customers are still charged a flat rate for insurance. This means you cannot change or decrease your reimbursement levels, deductibles, or coverage levels. Avvys per-incident policy is set to $1,000.

Bivvy does not require you to take an initial exam in order to register your pet for insurance. If your pet has medical records, you may be required to obtain them. There is no set age limit for coverage, and the price of the quote is unaffected by your pets age. The waiting period for an accident is especially long when compared to industry standards. This package costs $9 per month, and you will be limited to the number of animals you can keep in this package each year based on the type of care they receive. Every year, the wellness policy entitles you to $40 in wellness exams, $15 for flea treatments, $20 for deworming, and $30 for vaccinations. They may not have the best policy in terms of coverage and premiums, but they are competitive.

What Is The Waiting Period For Bivvy Pet Insurance

Is Pet Insurance Worth It? A Veterinarians Advice

There are a few waiting periods you should be aware of before applying for a Bivvy policy:

  • A 14-day waiting period for accidents
  • A 30-day waiting period for illnesses
  • A 12-month waiting period for orthopedic conditions in dogs

Keep in mind that claims made for any of the above conditions during their respective waiting periods will not be covered.

Related: Is There A Pet Insurance Plan With No Waiting Period?

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Best For Fast Claims Processing: Lemonade

Why we chose Lemonade: We picked Lemonade as the best pet insurance for speedy claims in part for its novel AI-powered processing, which promises to deliver claims very quickly via the app. The ability to direct a part of the companys profit to a charity of your choice may also appeal to many pet owners.

  • Quick claims processing in minutes rather than weeks via mobile app
  • Multiple discounts, including for bundling with homeowners insurance, insuring multiple pets and making a single, annual payment
  • A portion of payments go to pet-related charities
  • No multi-pet discounts
  • Only one plan option

Trupanion offers a single insurance plan for cats and dogs. Aside from standard benefits, like diagnostic tests, surgery, hospitalization and prescription medications, coverage also extends to alternative treatments, dental illnesses, prosthetic devices and prescription food.

If your veterinarian uses Trupanions direct payment software, you dont need to file a claim Trupanion pays the vet directly. Policyholders, then, need not worry about making costly upfront payments or submitting reimbursement claims, which are standard for most of the pet insurance industry.

Trupanion lacks affordability and flexibility premiums are high and theres only a single policy option. However, its coverage is comprehensive. If you can afford higher than average premiums, your pet will benefit from 90% reimbursement on all eligible claims and no payout limits per incident, year or lifetime.

Our Review For Bivvy Pet Insurance

Bivvy might be a rookie among other well-known providers, but it comes as a breath of fresh air for pet owners who are just as new to the pet insurance market. With standardized benefits that wont skyrocket based on your pets health history, customers can secure cost-effective accident/illness protection without having to navigate a slew of different coverage options.

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Reimbursement Rates Deductibles And Annual Limits

All plans provided by Bivvy have a 50% reimbursement rate.

With plans provided by Spot, you have the option to choose either a 70%, 80%, or 90% reimbursement rate.

All plans provided by Bivvy have a $100 deductible per approved claim.

With plans provided by Spot, deductibles are annual. So you only need to satisfy your deductible once per policy year. You have the option to choose your deductible amount.

All plans provided by Bivvy have a $2000 annual limit. Bivvy plans also have a $25,000 lifetime limit in place for each pet.

With plans provided by Spot, there is not lifetime limit. You can choose your annual limit, and there is an unlimited annual limit option.

Microchip Implantation CoverageWith plans provided by Bivvy, youll need to purchase an additional wellness plan for microchip coverage. Base plans provided by Spot Pet Insurance include microchip implantation coverage.

How Much Is Pet Insurance

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The average monthly cost of pet insurance with accident and illness coverage is $48.66 for dogs and $28.57 for cats. But the exact amount youll spend to insure your pet will vary, and not only by the insurer you choose.

Pet insurance costs vary widely based on several factors, including the pets breed, gender, age, location, and your chosen coverage options and deductible.

  • Pre-existing conditions Pet insurance providers will not reimburse you for conditions your dog, cat, or other pet already had before you bought the pet insurance policy.
  • Preventative care add-ons Youll get the best value from an accident or illness coverage plan, but you could add coverage for preventative care. Policies that cover both routine care and accident or illness care are called comprehensive coverage.
  • Pets age Premiums increase with age, and do so sharply for very old animals. In addition, after your dog or cat reaches age of 10 or 12, your choices in insurers will diminish significantly.
  • Deductibles With many plans, you set the deductible, which is the money you must pay before your insurance policy kicks in. But in addition to setting the amount of the deductible, make sure you also understand its type. An annual deductible for all care is common, but some instead impose per-incident or per-condition deductibles.

If youre on a tight budget and need a policy with more affordable premiums, take a look at our best cheap pet insurance page.

Additional expenses to keep in mind

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Cheapest Overall Pet Insurance Plans

We pulled insurance quotes for a sample dog and sample cat across several companies for a standard pet insurance policy. Plans included a $500 deductible, 80% reimbursement level and $5,000 annual maximum.

For both dogs and cats, Embrace and Figo ranked among the most affordable pet insurance companies.

We’d also recommend considering Healthy Paws if you want limitless coverage for accidents and illnesses, but you’re willing to pay for routine care yourself.

Nationwide $33.08
Trupanion $58.14 $697.68

The most affordable choice for cats was PetsBest but it was among the least affordable for dogs. Across the board, Trupanion ranked as the least-affordable insurer, though they provide excellent comprehensive coverage.

While affordability is important, it shouldn’t be the only concern when selecting a pet insurance policy. You should look closely at which pet ailments are covered and which are excluded. If your pet has preexisting conditions, your plan may consider some future illnesses ineligible for treatment.

Nationwide $17.03
Healthy Paws $24.75
Trupanion $28.14 $337.68

It’s also a good idea to examine the benefits allowance when comparing insurance plans and determine if the plan balances affordability with quality of coverage.

Bivvy Pet Insurance Discounts And Features

The Bivvy pet insurance policy does not currently offer any discounts or special features. However, there are no additional costs for pet insurance, depending on your pets breed, age, weight, etc. Bivvy pet insurance does not offer any referral discounts at the moment and does not have a dedicated app. Claims processing has been made extremely efficient and fast, so you dont have to wait long once youve filed for a claim.

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Pros And Cons Of Bivvy Pet Insurance


  • Doesnt uphold any bilateral exclusions
  • Submitted claims are processed within one business day


  • Offers one base policy that also doesnt allow policyholders to make any customizations, so coverage is less personalized
  • Only reimburses up to 50% of covered vet expenses
  • Only available in 16 select states

Bivvy Pet Insurance Policies And Pricing

Bivvy – A New Breed of Pet Insurance

Bivvy is only available in 16 states: Wisconsin, Virginia, Texas, South Carolina, Oregon, North Carolina, Minnesota, Michigan, Maryland, Kansas, Iowa, Indiana, Illinois, Georgia, Connecticut, and Arizona. The company plans to expand service to all 50 states.

Bivvy does not require new policyholders to get a vet exam upon signing up, but pet owners must disclose all necessary medical records. The medical records determine pre-existing conditions, which the company will not cover in the future. Bivvy has the right to deny any claims made after its waiting period if you cannot provide the necessary medical records.

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Positive Bivvy Pet Insurance Reviews

This policy is $10/mo and has saved me $156 so far. Ive only had the policy for 3 months. It has paid for itself and then some. Im not someone who has a lot of disposable income, I live paycheck to paycheck and a surprise vet bill is always hard for me. This is a reimbursement type of deal, so at least I know Im getting half back of what I paid. Its an affordable option.

Obviously, there are more expensive insurance options that pay upfront or reimburse for more, but if you cant afford the $45-100 monthly premiums for those, they are not good. The claims process is seamless and quick. I usually see the funds deposited in 7 days time. I recommend this to anyone.


How To Renew My Bivvy Pet Insurance Policy

You can rest assured knowing that your Bivvy policy automatically renews every year. All you need to do is pay your premiums in a timely manner. Otherwise, Bivvy might stall your coverage and if you continue paying after a certain period, youll have a coverage gap which will entail every previously observed condition to become pre-existing thus excluded from your coverage.

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Restrictions And Waiting Periods

Age restrictions: None.

Waiting periods: A waiting period is how long it takes your coverage to start after you buy your plan. In most states, Bivvys waiting periods are 14 days for accidents and 30 days for injuries, though there is some variation. Dogs also typically have a six- or 12-month waiting period for orthopedic injuries unless caused by direct trauma.


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