Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Written by Chelsey Tucker
Insurance Expert Chelsey Tucker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 28, 2022

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The Lowdown

  • Offers a Wellness Care add-on for a low monthly cost
  • Provides fast enrollment and quick response time to claims 
  • Reimbursement caps out at 50% 

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 does Bivvy Pet Insurance cover?

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.

Wellness care benefitCost
FELV Screen$15
Heartworm Test$10
Flea, tick & heartworm prevention$15
Wellness exam$40
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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.

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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.

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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 Review (2022) Additional Information

Bivvy Pet Insurance Review [2022] is a company that was incorporated in . Bivvy Pet Insurance Review [2022] is a insurance company and has assets of , capital of $, and net surplus of $.

The president of Bivvy Pet Insurance Review [2022] is , the treasurer is , and the secretary is . Bivvy Pet Insurance Review [2022] insurance plans include

Bivvy Pet Insurance Review [2022] is located in , and the phone number for Bivvy Pet Insurance Review [2022] claims, customer, service, and additional information is .

Bivvy Pet Insurance Review [2022] Insurance Quotes

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