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Bivvy Pet Insurance Review

Bivvy Pet Insurance is a relative newcomer to the pet insurance marketplace that offers comprehensive pet insurance for a single price for all pets.

Underwritten by CUMIS Insurance Society, Inc., Bivvy is taking a different approach to pet insurance than most of the other pet insurance companies we have reviewed.

Bivvy is not available in every state within the United States including California.  In time, they will expand to more states throughout the United States.

How Does Bivvy Pet Insurance Work?

Bivvy’s pet insurance differs from other pet insurance providers by offering comprehensive coverage at very low prices and no deductible.

But, the catch is that their annual limits are very low at only $1,000 each policy year.

We’ll walk you through all the plan details so you can see for yourself if Bivvy is the best fit.

Bivvy Pet Insurance Highlights

  • Pricing is low at $10 a month
  • No deductible
  • Comprehensive Plans
  • 80% reimbursement rate

Bivvy Pet Insurance Coverage

Bivvy offers the same procedures and treatments that are common in most comprehensive pet insurance plans and includes the following:

  • Accidents
  • Illnesses
  • Congenital Conditions
  • Hereditary Conditions
  • Cancer
  • Chronic Conditions
  • Surgery
  • Blood Tests
  • X-ray, ultrasound, MRI
  • Orthodontic Treatment
  • Prescription Medications
  • Emergency care
  • Hospitalization

Hereditary and Congenital Conditions

Hereditary and congenital conditions are covered with Bivvy Pet Insurance.

Hereditary and congenital conditions are different conditions that are common to certain breeds.  It’s important that pet insurance covers these breed-specific conditions because they tend to show up later in a pet’s life.

However, if your pet has already exhibited any of these conditions, they will be considered pre-existing and won’t be covered.

Some examples of hereditary and breed-specific conditions:

What Isn’t Covered with Bivvy Insurance?

Similar to most pet insurance companies, the following is not covered:

  • Pre- Existing Conditions
  • Vaccinations
  • Routine Care
  • Boarding
  • Spaying/ Neutering
  • Cosmetic Procedures
  • Non-emergency ambulance

Benefit Limits

Bivvy offers only one benefit limit level of $1,000 each policy year and a $ 25,000-lifetime cap.

While it’s clear that they keep the limits low to help lower their monthly premiums, $1,000 is just not enough coverage each year.

One serious illness or injury can be more than $1,000 easily and therefore policyholders would have to pay the balance of the bill.

Other pet insurance companies like Embrace and Healthy Paws who offer unlimited benefits in all their plans have much higher levels.

This limit might work for a younger dog or cat, but even puppies and kittens can get injured or sick.


Bivvy offers only one reimbursement choice of 80%.

While this is a good reimbursement choice, it is more common in the pet insurance market place to offer up to 90%.


Bivvy has an annual $250 deductible.

This means that each year you must pay the first $250 of covered expenses, then after that, Bivvy will pay the rest, subject to any annual or lifetime limits and coinsurance requirements.

Bivvy Pet Insurance Cost

All cats and dogs regardless of age or breed or even where you live are $10 a month!

This is unheard of in pet insurance to have such a low premium for all cats and dogs of all ages.

Claims Process

The claims are handled similarly to other pet insurance companies.

You can submit a claim online, mail fax, or merely giving them a call at 855.434.3744.

Claims are processed within 24 to 48 hours which is super-quick.

Waiting Periods and Enrollment

The waiting periods for Bivvy pet insurance are the following:

  • Accidents and Illness: 14 days
  • Cruciate & Orthopedic Issues:  12 months
  • There is no age limit with Bivvy Pet Insurance and you can enroll your puppy or kitten at 4 weeks old.

Your policy will automatically renew annually unless you give them notice.

Bivvy Insurance FAQs

Does Bivvy Offer Alternative Therapies?

No. Alternative Therapy is not an option under their plans.   You would have to pay out-of-pocket for chiropractic or any other alternative therapy treatment.

Are there any differences in the coverage offered?

No. Bivvy has only one plan that has comprehensive coverage like most of the other pet insurance companies.

They make it really simple: one reimbursement choice of 75%, no deductible, and one annual benefit limit of $1,000.

Can you take your pet to any veterinarian?

Yes.  You are able to take your pet to any vet of your choice.

Are there any age restrictions?

There are no age restrictions so cats and dogs of any age can enroll.

Does Bivvy cover multiple pets?

Yes, they do.  But each pet has to have a separate policy.

Most pet insurance allows you to have multiple pets under just one policy.

Does your pet need a vet exam before signing up?

No.  You can just go ahead and sign up online.

Is Bivvy Pet Insurance For Your Pet?

It is nice and gutsy for a pet insurance company to come along and try something different!

With a $10 monthly premium, no deductible and a 75% reimbursement rate, and no age limits, it seems too good to be true.

It kind of is.  With a mere $1,000 per year annual limit, if your pet has one accident, the bill can easily surpass that or even one illness.

Sure, if you have no incidents in one year, it seems like a deal!

However, the whole point of pet insurance is to be covered for those big, unexpected bills and $1,000 is just not going to do it!

Bivvy is not available in every state yet.  Even California, with a huge percentage of pet owners, isn’t covered.

We will be watching to see how Bivvy fairs over time and if they do expand to every state in the U.S.

To find out more about Bivvy Pet Insurance, you can go directly to their site or give them a call at 1-855-434-3744.

If Bivvy doesn’t work for you and your pets, there are other popular insurance choices, like Healthy Paws.

If you would like some additional pet insurance companies to consider with much higher benefit limits, take a look at our top 10 pet insurance companies to give you more options!

We will be happy to hear your thoughts

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