Bivvy Pet Insurance Reviews

Bivvy is a U.S.-based pet insurance provider offering coverage for cats and dogs. It offers protection against unplanned veterinary expenses resulting from accidents and illnesses. It also features optional wellness plans. At the time of publishing, Bivvy is not opening new policies, and it doesn’t offer policies in Alaska, California, Kentucky, Massachusetts, Mississippi, Montana, North Dakota, New York, Oklahoma, Pennsylvania or Washington.

Bivvy offers straightforward coverage for pets. You can sign up online and select your desired coverage (though the company isn’t offering new policies as of the publishing date). Upon enrollment, waiting periods begin before coverage becomes effective. You must wait 14 days for accident coverage and 30 days for illness coverage. When a covered event occurs, you can visit any licensed vet for care. Pet owners can file a claim online with a copy of the bill. Bivvy pays 50% of the claim amount, minus a $100-per-claim deductible. There are annual and lifetime limits.

Bivvy covers a wide range of veterinary expenses:

• Illnesses such as chronic conditions, cancer, and hereditary and congenital conditions
• Diagnostic treatment
• Surgeries
• Hospitalization
• Prescription medication
• Emergency care
• Orthodontic treatment
• X-rays
• Ultrasounds
• Blood tests

An annual coverage limit of $2,000 and a lifetime coverage limit of $25,000 applies. Bivvy does offer a wellness plan as an add-on option. This plan covers a range of preventive care services, including wellness examinations, vaccinations, flea/tick/heartworm prevention, microchip implantation, urinalysis and deworming.

What Bivvy Pet Insurance doesn’t cover

Bivvy Pet Insurance does not cover the following as part of its regular plan:

• Preexisting conditions
• Preventive or routine care
• Vaccinations
• Spay/neuter procedures
• Cosmetic surgery
• Dental cleanings
• Food
• Grooming
• Boarding
• Air ambulances
• Nonemergency ground ambulances
• Cloning

Bivvy does not mention coverage for behavioral issues or training-related expenses in its coverage details.

Bivvy offers accident and illness coverage for $15 a month per pet, and the add-on wellness coverage is $9 a month per pet.

Yes, Bivvy is a legitimate pet insurance provider in the United States. It provides accident and illness coverage along with an optional wellness plan add-on. Its affordable plans may appeal to pet owners, but its reimbursement level is not as high as with some other insurers. At the time of publishing, Bivvy is not offering new policies.