Bivvy Pet Insurance Review

Bivvy Review

Bivvy Pet Insurance Review
Best For:
Pet Parents!
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Low monthly rate
Very low annual limit

About Bivvy Pet Insurance

Bivvy Pet Insurance, a part of the CUMIS Insurance Society, Inc., is a Madison, Wisconsin-based company committed to providing pet or dog owners with affordable pet insurance so that pet owners can provide their pets with the very best health care possible. Bivvy has been around for more than 80 years and continues to look for ways to make life easier on pets through better medical care. Pet owners love doing business with Bivvy Pet Insurance for many reasons, including good coverage, good customer service and insurance plans as low as $10 per month.


With the rising cost of pet healthcare, more and more pet owners today are choosing to purchase pet insurance. However, choosing a policy can be very difficult because there are so many different companies out there, and most people aren’t familiar with how pet insurance works or what it does and does not cover. They’re also afraid the policy will be more than they can handle financially.

Most pet owners agree that they want a pet insurance company that’s somewhat straightforward and charges a reasonable fee. The most important thing for most pet owners is that the policy covers the services that most often are required and that it covers large medical procedures that might be required to save the pet’s life.

The cost for pet insurance typically varies by several things, including breed, age, type of animal and location. This is not the case with Bivvy because they charge the same amount regardless of the animal, the animal’s breed or the animal’s age. It charges a flat rate of $10 per month.

For instance, the monthly premium for a four-year old mixed breed dog weighing 35 to 65 pounds is $10 per month. An owner with a three-year old cat or a two-year old German shepherd dog would still pay $10 per month. All three of these have a policy with $100 deductible per claim, 50 percent reimbursement and an annual payout limit of $2,000.

Here are a few of the many things that Bivvy Pet Insurance will cover.

  • Accidents
  • Illnesses
  • Emergency care
  • Chronic conditions
  • Congenital conditions
  • Hereditary conditions
  • X-rays and ultrasounds
  • Diagnostic treatments
  • Hospitalization
  • Surgical procedures
  • Cancer treatments
  • Blood tests
  • Prescription medications
  • Orthodontic treatment

Bivvy also offers pet owners the option of purchasing a Wellness Care package, which covers services not normally covered under the regular pet insurance policy, which are typically referred to as routine and preventative expenses. For only $9 a month, pet owners can get the following coverage for their pets.

  • Rabies vaccinations – $15
  • Other vaccinations – $15
  • Wellness examinations – $40
  • Urinalysis – $15
  • Heartworm, flea and tick prevention – $15
  • Heartworm test – $10
  • Deworming – $20
  • Microchip – $20
  • FELV screen – $15


When we think of pet insurance, we often think that they cover the cost of going to the vet regardless of the reason. However, that is not always the case. All pet insurance companies have limitations to not only what they’ll pay but also for how much they’ll pay. Here are a few of the things that Bivvy Pet Insurance will not cover.

  • Routine or preventative care
  • Pre-existing conditions
  • Cosmetic surgery
  • Pet food
  • Non-emergency ground ambulances
  • Air ambulances
  • Vaccinations
  • Boarding the pet
  • Preventative dental care or dental cleanings
  • Spaying or neutering
  • Grooming
  • Cloning or using cloned animals as part of treatment

The maximum annual amount Bivvy will pay is $2,000 per pet, and the maximum lifetime amount they will pay is $25,000. There is also a 14-day waiting period (after signing up) for accidents and a 30-day waiting period for illnesses.


Most pet insurance companies require pet owners to pay a deductible. Bivvy Pet Insurance requires owners pay a $100 each visit. On a $500 office visit, the pet owner would have to pay $100 and Bivvy would pay the remaining $400 minus any co-insurance that might be required. Since Bivvy offers a reimbursement rate of 50 percent, you would have to pay 50 percent of the $400.


Choosing a pet insurance company can be difficult because pet owners want an affordable policy and yet one that offers good coverage. A real selling factor for many pet owners is a company that does not have a complicated claims process, and Bivvy has a very simple claims procedure.

First, you are not required to go to a specific veterinarian or one that’s part of a network. You can take your pet to any vet as long as he or she is a licensed veterinarian. You are also not required to carry an insurance card for your pet. You just pay your vet for the services provided and submit the claim online.

Once they’ve received the claim, they generally go through the acceptance procedure within 24 hours. They reimburse you directly for the covered amount minus the deductible and copay. You can submit more than one claim per year as long as you do not go over the annual limit of $2,000.

Benefits of Using Bivvy

There are several benefits to using Bivvy Pet Insurance.

  • Many of the most common veterinary treatments are covered.
  • Premium is affordable.
  • $10 premium is the same for all animals.
  • Pet owners can sign up online.
  • Pet owners can go to any veterinarian they choose.
  • No exam required as part of the signup.
  • They also offer a Wellness Care package.