Bivvy Pet Insurance Review [2024]

Navigating the complexities of pet insurance becomes more accessible with Bivvy, a provider dedicated to offering comprehensive coverage tailored to your furry companion's well-being.

UPDATED: Jan 28, 2024Fact Checked

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

Licensed Insurance Agent

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Jan 28, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jan 28, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 28, 2024Fact Checked
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Bivvy Pet Insurance

Average monthly rate for healthy pets:

N/A

A.M. Best rating:

N/A

Complaint level:

Low

Pros

  • Fixed price, low-cost pet insurance starting at $9 a month.
  • Offers wellness packages to cover routine and preventative expenses.
  • Claims process begins within one business day.
  • No bilateral exclusions.
  • Easy and convenient online claim submission.

Cons

  • Limited availability in only 16 states.
  • Annual limits max out at $5,000 with a lifetime limit of $25,000.
  • Per-claim deductible instead of per year.
  • Waiting periods for coverage, including a 12-month wait for orthopedic conditions.
  • Offers only a 50% reimbursement rate, below industry standards.

Final Verdict: Review of Bivvy Pet Insurance

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.

[su_box title="The Lowdown" style="default"]
  • 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%
[/su_box] 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.

Wellness care benefitCost
FELV Screen$15
Heartworm Test$10
Microchip$20
Urinalysis/ERD$15
Deworming$20
Flea, tick & heartworm prevention$15
Vaccinations$15
Wellness exam$40

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.

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.

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Bivvy Pet Insurance Rates Breakdown

Driver ProfileBivvyNational Average
Clean Record$142$119
1+ Ticket$192$147
1+ Accident$104$173
DUI$346$209
Poor Credit$244$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Bivvy Pet Insurance Discounts Available

DiscountsBivvy
Anti Theft14%
Good Student15%
Low Mileage11%
Paperless5%
Safe Driver13%
Senior Driver10%

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.

Frequently Asked Questions

What does Bivvy Pet Insurance cover?

Bivvy Pet Insurance covers a range of accidents and illnesses, including conditions like cancer, hip dysplasia, and digestive problems. Additionally, Bivvy offers a Wellness Care plan for an extra $9 per month, covering routine and preventative expenses.

Is Bivvy Pet Insurance a good choice for budget-conscious consumers?

Yes, Bivvy Pet Insurance is a great option for those on a tight budget. With affordable rates starting at $9 a month and relatively comprehensive coverage, it provides an accessible solution for pet owners seeking ample coverage without breaking the bank.

What are the drawbacks of Bivvy Pet Insurance?

While Bivvy offers competitive rates, it has some limitations. It is only available in 16 states, and it has annual limits capped at $5,000 with a lifetime limit of $25,000. The reimbursement rate is set at 50%, below industry standards, and there are waiting periods for coverage and certain exclusions, such as preexisting conditions.

How do I purchase Bivvy Pet Insurance?

Bivvy prioritizes an efficient online application process that takes approximately 10 minutes to complete. Qualifying for coverage requires just 5 minutes. Unfortunately, there is no Bivvy Pet Insurance phone number for direct purchases, but if you need assistance, you can contact their underwriter, CUMIS, at 1-855-434-3744.

How does Bivvy Pet Insurance compare to other providers in the market?

Bivvy Pet Insurance stands out with its low-cost options and unique offerings. However, prospective pet owners are encouraged to explore alternatives and compare coverage, pricing, and customer reviews to make an informed decision based on their pet’s specific needs.

Compare Insurance Providers Rates to Save Up to 75%

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Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

Licensed Insurance Agent

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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