Bivvy Pet Insurance Review 2022: Pros and Cons

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BaghdadTime ranking 

BaghdadTime’s scores are decided by our editorial group. The scoring system takes into consideration shopper grievance and buyer satisfaction knowledge.

Plans provided: Accident and sickness, wellness.

Breadth of protection: Good.

Vary of plan choices: Poor.

Pays your vet straight: No.

The underside line: Affords decrease charges and fewer protection than most different pet insurers.

How we evaluation pet insurance coverage

Our writers and editors comply with strict editorial tips that guarantee equity and accuracy with the intention to make it easier to select the monetary merchandise that work greatest for you. In our pet insurance coverage opinions, our editorial group considers each the client and the insurer. These are among the elements we take note of:

Plans provided. Pet insurance coverage corporations usually supply the next three forms of plans:

  • Accident and sickness insurance policies reimburse you for medical therapy in case your pet will get sick or injured.

  • Accident-only insurance policies pay bills in case your pet is injured.

  • Wellness plans make it easier to finances for preventive care prices.

Breadth of protection. We appeared for plans that cowl a variety of potential bills.

Vary of plan choices. This class seems at what number of methods you possibly can customise what you pay on your plan and the way you’re reimbursed.

Pays your vet straight. This means whether or not an insurer pays your vet straight for medical bills. With this service, you don’t should pay the cash your self upfront after which look ahead to reimbursement.

Most pet insurance coverage corporations tailor your charge primarily based in your pet’s age, measurement and breed, however Bivvy is completely different. It prices a single low charge for accident and sickness protection for each pet in a given state. That value is usually $13 to $15 per thirty days, considerably lower than the common nationwide value for accident and sickness insurance coverage, which is about $49 per thirty days for canines and $29 per thirty days for cats

What’s the catch? There’s little room to customise your coverage, and protection tends to be extra restricted than what different suppliers supply.

Right here’s an instance: In Colorado, Bivvy gives a single plan that may pay as much as $2,000 per yr for all coated bills and as much as $1,000 for a single sickness or damage. So in case your canine was hit by a automotive and wanted a $2,500 surgical procedure, Bivvy would pay not more than $1,000.

Even for smaller bills, Bivvy’s protection might come up brief in contrast with different corporations, with a 50% reimbursement charge in most states. (Most different insurers pay 70% to 90% of your vet payments when you’ve met the deductible.)

Regardless of these limitations, Bivvy could also be a strong choice for pet house owners who can’t afford a extra complete plan and would relatively have some protection than none. Bivvy might also present the most affordable charges for older pets, which are typically way more costly to insure than puppies and kittens.

Bivvy can also be one of many solely choices for insuring pets aside from cats and canines, together with rabbits, ferrets, potbellied pigs, turtles and most birds.

Bivvy pet insurance coverage


BaghdadTime ranking 

BaghdadTime’s scores are decided by our editorial group. The scoring system takes into consideration shopper grievance and buyer satisfaction knowledge.

Bivvy earned 3 stars out of 5 for general efficiency. BaghdadTime’s scores are decided by our editorial group. The scoring system takes into consideration shopper expertise, protection choices and monetary power scores.

Bivvy execs and cons

Low month-to-month value no matter your pet’s age or breed.

In most states, reimburses solely 50% of vet bills as soon as you’ve got met your deductible.

One in every of few corporations to insure animals aside from canines and cats.

Has lifetime protection limits on all plans.

No current examination required for protection.

Ready interval of as much as 12 months for canine orthopedic points.

State availability

Bivvy’s plans are at the moment accessible in 30 states and Washington, D.C.

Bivvy pet insurance coverage

Accident and sickness plan

That is Bivvy’s normal plan, which covers a variety of sicknesses and accidents. In case your pet wanted surgical procedure or most cancers therapy, this plan would seemingly cowl it.

Bivvy Wellness Care

You possibly can add Bivvy’s preventive care plan to cowl effectively visits, vaccinations and different routine prices that the accident and sickness plan received’t pay for. There’s no deductible for wellness care bills.

As a result of protection is proscribed, it’s price including up the price of the wellness plan and evaluating that with the price of the providers you count on to make use of in a given yr. You could be higher off funding your pet’s routine care by yourself.

What Bivvy pet insurance coverage covers

Bivvy’s accident and sickness plan covers:

  • Exams, therapy, hospitalization and surgical procedure for accidents and sicknesses, together with most cancers.

  • Diagnostic assessments and therapy.

  • Hereditary and congenital situations.

  • Different and complementary remedies.

Bivvy’s Wellness Care plan covers: 

  • Flea, tick and heartworm prevention.

  • Screening for feline leukemia virus or heartworm.

  • Implantation of a microchip.

  • Urinalysis or early renal harm check.

What’s not coated

Bivvy’s accident and sickness plan doesn’t cowl:

  • Preventive care (until you add the Bivvy Wellness Care plan).

  • Meals and dietary supplements, even when prescribed by your vet.

  • Grooming or beauty surgical procedure.

  • Circumstances arising from mistreatment, breeding, racing or organized preventing.

  • Adrenal gland illness or endocrine neoplasia in ferrets.

Bivvy’s Wellness Care plan doesn’t cowl:

  • The rest not within the “what’s coated” checklist above.

Bivvy protection choices

Deductible choices: In lots of states, Bivvy gives a single deductible of $250 per yr. Meaning your plan received’t pay out till you’ve spent that a lot in a given yr. However in different states, the deductible is about at $100 per authorised declare. With this feature, you’d should pay the primary $100 of every vet invoice earlier than Bivvy begins paying.

Reimbursement quantities: In each state besides Georgia, Bivvy will reimburse 50% of your vet bills after you attain your deductible, whilst you cowl the opposite half of the invoice. In Georgia, Bivvy will reimburse 80% of bills post-deductible.

Protection limits: Bivvy gives a set payout restrict per yr, no matter how a lot care your pet wants. In some states, it’s $3,500; in others, it’s simply $2,000. In Georgia, the restrict is $5,000.

In a small handful of states, Bivvy additionally imposes a restrict of $1,000 per incident. This can be a cap on what Bivvy pays for a single sickness or damage inside a given yr.

Bivvy pays not more than $25,000 over your pet’s lifetime, no matter the place you reside.

Restrictions and ready durations

Ready durations: A ready interval is how lengthy it takes your protection to start out after you purchase your plan. In most states, Bivvy’s ready durations are 14 days for accidents and 30 days for accidents, although there’s some variation. Canines additionally usually have a six- or 12-month ready interval for orthopedic accidents until attributable to direct trauma.


Bivvy doesn’t promote any reductions.

Shopper expertise

Web site: Bivvy gives state-specific plan data and pattern insurance policies on its web site, plus the power to get a web-based quote. You should utilize your on-line account to file claims and replace cost or contact data.

App: Bivvy doesn’t have a cellular app.

Claims: Claims might be filed by e-mail or by your on-line portal. Bivvy will ship a reimbursement test to you, not your vet.

Different pet insurance coverage corporations to think about

Not able to decide? You might be enthusiastic about these different pet insurance coverage corporations:

Ceaselessly requested questions

Is Bivvy pet insurance coverage good?

Bivvy gives decrease payout limits than most different insurers, so it received’t cowl as massive a share of your vet bills. Nonetheless, the corporate’s distinctive flat-rate pricing construction means it’s cheaper than the common pet insurance coverage plan, particularly for older animals. Particular person pet house owners can weigh whether or not the trade-off of protection for value is price it to them.

How does Bivvy pet insurance coverage work?

In most states, Bivvy will reimburse you for 50% of vet bills in case your pet is sick or injured, minus your deductible and as much as the payout limits on the coverage. Say you will have a $250 annual deductible. In case your canine wants a $2,000 surgical procedure, Bivvy would subtract the $250 deductible ($2,000 – $250 = $1,750) and pay half of what’s left, for a complete of $875. You’ll cowl the remaining $1,125.

How can I cancel Bivvy pet insurance coverage?

You possibly can cancel your coverage by your on-line portal.

Which vets take Bivvy insurance coverage?

Bivvy pet insurance coverage reimburses you for the cash you spend on vet payments, no matter which clinic or hospital you go to. You possibly can take your pet to any licensed veterinarian.

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