Bivvy Pet Insurance Review (2023)

Bivvy Review

If you’ve read some of our other pet insurance provider reviews, you’ve probably heard us mention that pet insurance isn’t a one-size-fits-all product. And objectively speaking, it isn’t — except for Bivvy’s policies.  

Bivvy aims to simplify the pet insurance experience by providing one principal accident/illness policy that features a universal monthly rate and fixed coverage features for all pets, regardless of species, breed, or age. 

Our annual evaluation of Bivvy pet insurance reviews the ins and outs of its overall coverage scope, based on:

  • Overall rank
  • Policy highlights
  • Monthly premiums
  • Annual coverage details
  • Inclusions and exclusions
  • State availability
  • Verified customer reviews

Our Review for Bivvy Pet Insurance

Bivvy might be a rookie among other well-known providers, but it comes as a breath of fresh air for pet owners who are just as new to the pet insurance market. With standardized benefits that won’t skyrocket based on your pet’s health history, customers can secure cost-effective accident/illness protection without having to navigate a slew of different coverage options.

Pros and Cons of Bivvy Pet Insurance


  • All policies cost the same flat monthly rate regardless of species, breed, size, or age
  • Covers orthodontic expenses 
  • Doesn’t uphold any bilateral exclusions
  • Submitted claims are processed within one business day


  • Offers one base policy that also doesn’t allow policyholders to make any customizations, so coverage is less personalized
  • Only reimburses up to 50% of covered vet expenses
  • Only available in 16 select states

Bivvy Pet Insurance Plans and Coverage

Bivvy distributes its coverage under one principal accident/illness policy at a fixed monthly premium of $14 to $15 for all pets, from hamsters to hounds. Bivvy’s annual coverage limit, reimbursement rate, and deductible are also preset and can’t be customized by policyholders. 

Bivvy will cover your pet for up to $3,500 of eligible emergency veterinary services per year with a lifetime limit of $25,000. We think Bivvy could do better regarding its annual payout limits as most of its competitors seem to offer five-figure or unlimited coverage benefits. 

If you ever have to file a claim for your pet, assuming that your claim is approved, Bivvy will only reimburse up to 50% of eligible expenses. Most other providers have maximum reimbursement rates of 90%. 

Bivvy Plans and Costs

Typically, monthly pet insurance premiums will be contingent on a number of factors specific to your pet, such as species, breed, age, and location. The downside to this is that owners with older pets and breeds predisposed to genetic health risks often get stuck paying exorbitant rates that ultimately negate the financial benefits of pet health insurance.

Bivvy is different. No matter what type of pet you have, you’ll only pay $14 or $15 per month (depending on what state you live in) for a comprehensive Bivvy policy. Bivvy’s basic coverage will reimburse you for hereditary and congenital conditions, chronic conditions, cancer, diagnostics, blood tests, X-rays, MRIs, ultrasounds, surgery, hospitalization, prescription medications, emergency care, and orthodontic treatments. 

Your monthly premium with Bivvy also won’t increase with age or because you filed a claim. 

Samples of Prices for Four Species/Breeds

Species/Breed Sample Price for Medium Mixed Breed Dog Sample Price for Golden Retriever (Dog) Sample Price for Domestic Shorthair Cat Sample Price for Domestic Mediumhair Cat
Accident and Illness Plan $14 $14 $14 $14
Accident and Illness Plan With Preventative Care $23 $23 $23 $23


All pet insurance carriers, including Bivvy, require pet owners to pay an annual deductible. Bivvy customers will need to pay $250 out-of-pocket every year for eligible veterinary services before Bivvy will step in to cover any remaining or future expenses. 

Preventative Care Limits

For an additional $9 per month, a pet owner can add Bivvy’s elective wellness plan to their policy. Bivvy does enforce per-item limits on its preventative care coverage, which we’ve summarized in the table below:

Covered Item Annual Limit
Wellness Exam $40
Heartworm Test $10
Internal Parasite or Fecal Test $20
Bloodwork $15
Three Vaccines $30
Total  $115

Coverage Exclusions

Like every other pet insurance company in North America, Bivvy doesn’t cover pre-existing conditions of any kind. Any major or minor health-related issue that predates the end of your set waiting periods will not be eligible for coverage through Bivvy. 

Bivvy also excludes veterinary expenses related to:

  • Cosmetic surgery
  • Pet food and supplements
  • Air ambulances and non-emergency ground ambulances
  • Vaccinations
  • Boarding or kenneling 
  • Preventative dental care or dental cleanings
  • Spaying or neutering
  • Grooming
  • Cloning or using cloned animals as part of treatment
  • Adrenal gland disease (specific to ferrets)
  • Endocrine neoplasia (specific to ferrets)

Bivvy State Availability

Though it aims to offer its pet insurance policies nationwide soon, Bivvy is currently only available in 16 states, including: Arizona, Connecticut, Georgia, Illinois, Indiana, Iowa, Kansas, Maryland, Michigan, Minnesota, North Carolina, Oregon, South Carolina, Texas, Virginia, and Wisconsin

Bivvy Pet Insurance Reviews

Here are a few snippets of feedback from current Bivvy customers that we’ve included to give you a more solidified sense of what to expect before signing up:

I have a sweet but rebellious kitty who won’t let me touch her paws or ears. I have to force her into a carrier to get her to the vet for routine health screenings and a mani-pedi. I was very happy to find Bivvy since I know that vet expenses are pretty high. This program will help me take care of Miss Kitty and help her live a longer, happier life.” —Rebecca A., Trustpilot

“With everything going on, the last thing we needed was a vet bill. The bill for our furry friend was running $260, and once I submitted his claim, within three days, I received a response saying I was getting a check for $198! Definitely recommend!” —Vanesa L., Trustpilot

“It isn’t Bivvy’s fault, but I wish there were a way to have known that both of my pups didn’t have the same insurance. I thought I signed them both up for the same thing, but I guess I didn’t. Now I’ve lost out on reimbursements I could’ve had if that one box was checked. I had to cancel the old policy and restart a new one so that I can have him covered as the other one is.” —Sheila M., Trustpilot

“We joined Bivvy about a month ago for our 10-year-old dog, and over two weeks after we joined (at this point we were able to go to the vet if needed) and had to bring my dog to the vet. Bivvy refused to accept this claim ($300+) and said it was a preexisting condition when it was not. We canceled and are unhappy, and I am sad that my dog is no longer insured; however, this was hard to deal with.” —Willow H., Trustpilot

Final Thoughts

With the rising cost of pet healthcare, more and more pet owners are choosing to purchase pet insurance. However, deciding on 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 doesn’t cover. They’re also often afraid the policy will be more than they can handle financially.

Though Bivvy’s annual benefits and reimbursement percentages aren’t quite as generous as its competitors, it still makes securing affordable yet robust pet insurance possible by providing pet parents with made-to-order policies at competitively low rates. 

Bivvy vs. Competitors

Factors Bivvy Spot Lemonade Embrace Healthy Paws ASPCA
Quote Visit Site Visit Site Visit Site Visit Site Visit Site Visit Site
Our Score 4.1 4.9/5 4.8/5 4.7/5 4.6/5 4.5/5
Average Monthly Cost for Dogs $14 $15 $30-$50 $37 $30-$40 $39 $49
Average Monthly Cost for Cats $14-$15 $18-$25 $15 $15-$20 $12 $29
Waiting Period 14 days for accidents, 30 days for illnesses, 365 days for orthopedic conditions 14 days for accident and illness, 14 days for knee or ligament events 2 days for accidents, 14 days for illness, 6 months for cruciate ligament events 2 days for accidents, 14 days for illness, 6 months for orthopedic conditions 15 days for accident and illness, 12 months for hip dysplasia events 15 days for all accident and illness coverage
Multi-pet Discount  No 10% off 5% off 10% off No 10% off
Mobile App  No Yes Yes Yes Yes Yes
Wellness Add-on  Yes Yes Yes Yes No Yes
Online Chat  No No Yes Yes No Yes
BBB Rating N/A A F A+ A- N/A

About Bivvy

Founded in 2019, Bivvy pet insurance is a Madison, Wisconsin-based company committed to providing uncomplicated, affordable pet insurance policies so pet owners can guarantee their pets the very best healthcare possible. Bivvy is underwritten by the CUMIS Insurance Society, Inc., which has been producing insurance for over 60 years and has an “A” rating from AM Best for its financial stability. 

Frequently Asked Questions

What are the advantages of Bivvy’s pet insurance?

Bivvy sets itself apart from other pet insurance providers by offering competitively affordable, ready-made accident/illness coverage at a fixed monthly rate and with preset annual coverage details that are the same for pets of all types, ages, and sizes.

With Bivvy, pet parents won’t have to worry about getting bogged down in different plan variations and coverage options — all the hard decisions have already been made. 

How do I file a claim with Bivvy?

You’ll first need to log into your Bivvy pet parent portal to initiate the claims process. Then, you’ll fill out a claims form, which must be received within 90 days of the treatment date. Bivvy requires that you also provide a receipt of itemized expenses from the emergency vet visit. 

How long will it take for Bivvy to process my claim?

Bivvy starts reviewing submitted claims within one business day. So long as you’ve provided all the necessary documentation, your claim will be approved or denied within minutes after review.

Does Bivvy offer exotic pet insurance?

Yes! Bivvy covers cats, dogs, amphibians, birds, reptiles, small animals, rabbits, chinchillas, opossums, potbellied pigs, rabbits, and sugar gliders. 

Does Bivvy offer direct vet payment?

No. Bivvy operates under a reimbursement basis, meaning you’ll be liable for compensating your licensed veterinarian upfront. Then Bivvy will pay you for 50% of those expenses once your claim has been approved. 

Does Bivvy have any breed or age limits?

Bivvy doesn’t base enrollment eligibility on breed or age, so seniors and high-risk breeds are welcome to sign up.

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.