Bivvy Pet Insurance Review [2024]

Bivvy Pet Insurance offers a fixed price, low-cost pet insurance policy that starts at only $9 a month. It offers wellness packages that can provide beneficial ways to protect your pet from future illness.

Finding a pet insurance company can be daunting, especially when wanting to provide the adequate care and preventative measures to ensure your pet’s overall health.

Continue reading for more information on Bivvy Pet Insurance and its ratings. Are you ready to begin comparing pet insurance options? Simply enter your ZIP code into our free tool and begin comparing quotes instantly.

What You Should Know About Bivvy Pet Insurance

With CUMIS Insurance Society, Inc. as an underwriter, Bivvy starts with a competitively low rate of $9-$20 a month, depending on the plan you choose. There is no exam required in order to qualify for insurance, and the claims process begins within one business day of the initial filing. There are no bilateral exclusions and you are able to easily and conveniently submit any claim online.

Here is a breakdown of what Bivvy covers:

• Wellness care (some care may require an additional fee)
• Nonroutine dental treatments
• Hereditary conditions
• Congenital conditions
• Prescription medications

Bivvy’s Wellness Care plan is an additional $9 per month, but it will help cover any routine and preventative expenses.

Both the insurance and wellness plans are among the least expensive options in most states, making Bivvy a good option for tight budgets in need of ample coverage.

However, despite all of these positives, there are a few downsides to Bivvy Pet Insurance.

What are the drawbacks to Bivvy Pet Insurance?

Bivvy is only available in 16 states (AZ, CO, CT, GA, IL, IN, IA, KS, MD, MI, MN, NC, OR, SC, TX, VA, WI) and has annual limits that max out at $5,000, with a lifetime limit of $25,000. The deductible ranges from $50 to $250, but this is a per claim deductible rather than per year as with most pet insurances.

The waiting period for coverage has an industry average of 14 days with the longest wait time being 30 days for accidents and illnesses. Preexisting conditions will not be covered, and there is an additional 12-month wait period for orthopedic conditions.

Bivvy also only offers a 50% reimbursement rate, which is below industry standards.

While Bivvy has competitively affordable rates and a flat fee, you may want to consider an alternative pet insurance, particularly if your pet’s breed is known to have preexisting conditions.

Bivvy Pet Insurance Reviews

Since Bivvy is a relatively new company on the market, it has neither a Better Business Bureau accreditation nor a current score with A.M. Best. However, despite this, there are several positive reviews. With their rating at a solid 4.7 on Trustpilot, consumers have plenty of positive things to say about this fairly new pet insurance company:

“Great insurance. I have had several different pet insurance policies in the past and paid much more for them and had bad experiences. Bivvy is fast, easy, and affordable. Pet health care is getting VERY expensive, but the 50% payment really helps.”

Karen Hayes Mason, Trustpilot

“I had written a bad review after a misunderstanding which BIVVY worked with me to correct. I highly recommend them. They have been great to work with.”

Just and Ron Bonsall, Trustpilot

There are a few negative reviews, stating that claim payouts are slow and that customer service has an unhurried response time to consumer questions concerning policy details.

How do I buy Bivvy Pet Insurance?

Since Bivvy prioritizes efficiency, they have an easy online application process that can be done in as little as 10 minutes. And qualifying takes only 5 minutes.

Unfortunately, there is no Bivvy Pet Insurance phone number, so you won’t be able to contact them directly in order to purchase pet insurance over the phone. However, if you do need to speak to someone regarding your pet insurance policy, you are able to contact their underwriter, CUMIS, at 1-855-434-3744.

Read more: CUMIS Insurance Society, Inc. Review

Bivvy Pet Insurance: Key Takeaways

With Bivvy Pet Insurance having affordable — and downright cheap — rates, as well as relatively comprehensive coverage, they are a great option for budget-conscious consumers.

However, if you’re looking for a pet insurance that has better deductible ranges, as well as annual limits that exceed $5,000 annually, you may want to look elsewhere.

Now that you’ve learned about Bivvy Pet Insurance, take the time to enter your ZIP code into our free tool and begin comparing pet insurance quotes today.

Bivvy Pet Insurance Coverage Options

Bivvy Pet Insurance understands that pets are cherished members of the family, and their well-being is a top priority. To cater to the diverse healthcare needs of your furry companions, Bivvy offers a range of coverage options. Here’s a breakdown of the coverage options provided by Bivvy Pet Insurance:

• Accident Coverage: Protection for unexpected injuries and mishaps.
• Illness Coverage: Comprehensive coverage for various illnesses and health conditions.
• Bivvy Wellness Care Plan: An optional add-on covering routine and preventative expenses.
• Prescription Medications: Coverage for prescribed medications to manage your pet’s health.
• Diagnostic Tests: Financial assistance for diagnostic procedures and tests.
• Surgery Coverage: Coverage for necessary surgical procedures.
• Specialist Care: Financial support for consultations with veterinary specialists.

Bivvy Pet Insurance stands committed to providing accessible and affordable coverage for your pet’s health journey. With a range of coverage options, including wellness plans and specialized care, Bivvy aims to ensure that your pet receives the care they need when they need it most.

Read more: What does pet insurance cover?

Bivvy Pet Insurance Rates Breakdown

Bivvy Pet Insurance Discounts Available

Bivvy Pet Insurance understands the importance of providing affordable coverage for your furry friends. To further assist pet owners, they offer various discounts to make their policies even more budget-friendly. Here’s a list of discounts available with Bivvy Pet Insurance:

• Multi-Pet Discount: Save more when you insure multiple pets with Bivvy.
• Military Discount: Special savings for military personnel and veterans.
• Spaying/Neutering Discount: Encouraging responsible pet ownership with additional savings.
• Annual Payment Discount: Enjoy a discount when you choose to pay your premium annually.

Bivvy Pet Insurance goes the extra mile to cater to the diverse needs of pet owners, ensuring that responsible pet care is accessible to all. Take advantage of these discounts and provide your pets with the coverage they deserve without breaking the bank. For more details and to explore personalized quotes, visit Bivvy’s website today.

How Bivvy Pet Insurance Ranks Among Providers

In the competitive landscape of pet insurance, Bivvy faces rivals that also strive to provide comprehensive coverage and value for pet owners. Here’s a list of some notable competitors in the pet insurance market:

Healthy Paws:

• Known for comprehensive coverage and high customer satisfaction.
• Offers unlimited lifetime benefits and a quick claims process.

Nationwide:

• Provides a range of coverage options, including wellness plans.
• Offers a unique Whole Pet with Wellness plan for complete care.

Embrace Pet Insurance:

• Known for customizable plans and personalized coverage.
• Offers coverage for genetic conditions and alternative therapies.

Trupanion:

• Known for a straightforward approach with a single comprehensive plan.
• Provides coverage for hereditary and congenital conditions.

Petplan:

• Offers customizable plans with comprehensive coverage.
• Known for quick claim processing and direct payment to veterinarians.

ASPCA Pet Insurance:

• Partners with Crum & Forster to offer customizable coverage.
• Provides coverage for accidents, illnesses, and preventive care.

Figo Pet Insurance:

• Utilizes technology for a seamless and user-friendly experience.
• Offers a combination of medical coverage and cloud-based features.

Lemonade Pet Insurance:

• Known for a transparent and digital-first approach.
• Offers quick claims processing and donates unused premiums to charity.

Pets Best:

• Provides customizable plans with different coverage options.
• Offers a BestWellness routine care plan for preventive care.

Progressive Pet Insurance:

• Known for bundling pet insurance with other insurance products.
• Offers coverage for accidents, illnesses, and routine care.

While Bivvy Pet Insurance stands out with its affordable rates and unique offerings, it’s essential to explore different options to find the perfect fit for your pet’s needs. Compare coverage, pricing, and customer reviews to make an informed decision and provide your furry companion with the best possible protection. Visit the websites of these competitors to delve deeper into their offerings and find the right insurance solution for your pet.