Bivvy is a relatively new company to the pet health insurance industry and has made a name for itself for its simple, cheap policies.
To determine if they are the best pet insurance company for you and your pet, read our Bivvy pet insurance review to learn what sets this company apart and compare it to other top pet insurance providers.
Bivvy Pet Insurance Background
Bivvy is headquartered in Madison, Wisconsin. Its policies are underwritten by CUMIS Insurance Society, Inc., which was founded in 1960. Bivvy aims to eliminate confusing policy enrollment and price spikes by offering one pet insurance plan with set annual payouts, deductibles, and reimbursement percentages at lower prices.
Our Rating for Bivvy Pet Insurance
Overall, we recommend this provider to pet owners who are looking for a plan with a cheap monthly premium and minimal coverage limits.
After comparing Bivvy with other top pet insurance providers, we suggest comparing quotes from other companies:
Pros & Cons of Bivvy Pet Insurance
✔ Offers a wellness add-on
✔ Its plans come at a low flat rate based on location rather than breed
✔ Has a fast and easy enrollment process
✘ Doesn’t offer plan customization
✘ Its reimbursement percentage is much lower than normal at 50%
✘ Doesn’t have a customer service line or live chat
Bivvy Pet Insurance Plans and Coverage
Bivvy offers one pet insurance plan for both dogs and cats. Annual limits, deductibles, and reimbursement percentages aren’t customizable and vary depending on your state. Here are a few specific conditions covered under Bivvy’s accident and illness plan:
- General illnesses
- Hereditary conditions
- Congenital conditions
- Chronic conditions
- Cancer
- Injuries
- Broken bones
Here are some examples of procedures and other vet costs covered by the plan:
- Blood tests
- Surgery
- Hospitalization
- X-rays
- Ultrasounds
- Orthodontic treatment
- Prescription medications
- Diagnostic treatment
Bivvy also offers pet owners a wellness care add-on with a total annual benefit amount of $165. Note: This amount is based on the sample quotes our team received.
Below are some examples of specific coverage limits for each wellness procedure, test, or vet visit.
Bivvy Wellness Care Limits
| Procedure | Coverage limits |
|---|---|
| Wellness exams | $40 |
| Vaccinations | $30 |
| Flea, tick, and heartworm prevention | $15 |
| FELV screen | $15 |
| Heartworm test | $10 |
| Microchip | $20 |
| Urinalysis | $15 |
| Deworming | $20 |
Coverage Exclusions
Bivvy doesn’t cover any pre-existing conditions, which it defines in a sample policy as “a condition that first occurred or showed clinical signs before your pet’s coverage started or before the end of the applicable waiting period.” Bivvy has a 14-day waiting period for accidents, a 30-day waiting period for illnesses, and a 365-day waiting period for orthopedic conditions.
Bivvy also doesn’t include the following in its policies:
- Air ambulance and non-emergency ground transportation
- Boarding
- Dental illness
- Cosmetic, aesthetic, or elective procedures
- Natural supplements
Bivvy Pet Insurance Pricing
A Bivvy pet insurance policy costs a flat rate of $14–$15 per month depending on where you live—this is for both cats and dogs of all breeds. The optional wellness care add-on is an additional $9 per month. Depending on your state, the offered plan details may vary. Here’s the pricing for a few sample plans offered in different states for a four-year-old Golden Retriever:
Sample Plan Pricing
| States | North Carolina | Indiana | Georgia | Texas |
|---|---|---|---|---|
| Monthly price | $14 | $14 | $15 | $15 |
| Reimbursement | 50% | 50% | 80% | 50% |
| Annual limit | $5,000 | $3,500 | $5,000 | $2,000 |
| Deductible | $100 per claim | $250 annually | $250 annually | $100 per claim |
Bivvy State Availability
Bivvy pet insurance is available in only 15 states, including Arizona, Connecticut, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Minnesota, North Carolina, Oregon, South Carolina, Texas, Virginia, and Wisconsin.
If your state isn’t covered by Bivvy, you can purchase a policy from Healthy Paws, which is available nationwide.
Bivvy Pet Insurance Reviews
Although Bivvy doesn’t have a rating or accreditation from the Better Business Bureau (BBB), it shows a mix of reviews on third-party customer review websites like TrustPilot and Yelp.
Satisfied customers appreciate Bivvy’s fast sign-up tool and policy management, but others complain about unreachable customer service and denied claims.
Here are a few Bivvy pet insurance reviews from TrustPilot:
Alex D. W. says,
“I love Bivvy so much. I’ve been with them for the past year or so. They have been so responsive and they have been able to cover a lot of out-of-the-blue costs, which helps make the financial hit a little bit better. I always, always recommend them to family and friends.”
Nakia says,
“Very disappointed. Had to bring my kitty in for a sick appointment, throwing up and dropping weight, about 45 days after the 30-day waiting period. It was so close to the end of the waiting period, they took the vet notes where I said the time period that it started, which was a guesstimate, as gospel. Denied, because they thought it was within the 30-day waiting period, called it a pre-existing condition.”
Comparing Bivvy To Other Pet Insurance Companies
Quickly compare the features from top-rated pet insurance companies:
| Provider | Our Score | Sample Monthly Premium | Number of Plans and Add-Ons |
|---|---|---|---|
| Lemonade | 96 | $18.50 | 3 |
| Spot | 91 | $34.60 | 4 |
| Embrace | 93.5 | $44.09 | 2 |
| Healthy Paws | 93.5 | $45.88 | 1 |
| Bivvy | 78.5 | $14.00 | 2 |
*Based on sample quotes for a mixed four-year-old dog in Raleigh, North Carolina
**Based on scores pulled from each company’s BBB profile as of July 2022
Frequently Asked Questions
Our Conclusion
Although Bivvy offers pet parents cheap pet insurance policies at $14–$15 per month, the coverage limits, deductibles, and reimbursements aren’t customizable, so you may not get the amount of coverage you need.
Bivvy also has a much longer waiting period than many competitors for illnesses and orthopedic procedures.
For alternatives, we recommend Lemonade, which has a variety of coverage options, a comprehensive wellness add-on, and a helpful mobile app for managing claims. We also recommend Healthy Paws for those who want a comprehensive plan with an affordable unlimited coverage cap.
Ultimately, we recommend getting quotes from a few different providers to compare plan pricing and find a policy that’s right for you and your pet.
Our Rating Methodology
The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:
- Coverage (25)
- Plan options (20)
- Monthly cost (20)
- Company reputation (15)
- Customer service (10)
- Species eligibility (10)
Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.
To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.