Bivvy is not yet available in Virginia.

Here is information for Bivvy in the state of Texas:

Coverage for the state of Virginia:
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Have a dog or cat you want to protect? Sign your furry friend up for Bivvy pet insurance!

As the first of its kind in the insurance industry, Bivvy offers affordable coverage while eliminating the complicated schedule of benefits offered by many insurance companies. For $10 а month, we will cover expenses up to $2,000 per year, with a $1,000 incident limit, with coinsurance of 50% and a $250 annual deductible. See the Coverage FAQs for additional coverage information.

You can cover one pet per policy. Have multiple pets? You can buy a policy for each of your cats and dogs.

When signing up your first pet, simply click on the “Add Another Pet” button to add a second furry friend. Follow the prompts and fill in your second pet’s information. Repeat these steps for each furry friend you’d like to cover.

If you already have a policy and want to add another pet at a later time, simply log in to your pet parent portal and select the “Add New Pet” button for each additional dog or cat you’d like to protect. You’ll be able to access all of your pets’ policies from your original pet parent portal.

Not a problem. Simply select our mixed breed option for the corresponding weight of your pet. Bivvy covers all pet breeds. You do not need to select a breed option for cats.

You can access an electronic copy of your policy at any time by logging into your account. You may also email us at [email protected] to obtain a copy.

Simply visit your online account, navigate to the profile tab and update what’s new! Want help? Email us at [email protected] and we can change your information on our end too.

This can be done through your online account. Log on to your profile, navigate to your Payments tab and click on the Update link. You'll receive a confirmation email after the update has been made to your account.

We’re here to help! Send us a message at [email protected]

No, all you need to do is sign them up online.*

*If you are applying for coverage through a qualifying pet shelter, a different process will apply

Your first premium will be charged 30 days after you sign up to get your policy.* Following payments will be due every 30 days after that. You can pay with a debit card, credit card or an ACH transfer. Payment preferences can be selected in your pet parent portal.

*If you are applying for coverage through a qualifying pet shelter, a different process will apply.

It's nice you want to gift pet insurance to a friend or family member! While you can pay for another pet parent's Bivvy insurance, there are a few important points to keep in mind. First, the pet parent must be listed on the policy as the policyholder. Your name and billing address can be associated with the payment method on file, but the pet parent's information must be listed in all other areas of the sign-up process. With this in mind, please use the pet parent's email address, street address, zip code and phone number when signing up their furry friend for coverage. Note, the pet parent must live in a state where we are available for sale. If you have any questions about gifting insurance to another pet parent, send us an email at [email protected]!

To ensure your pet's coverage won't cancel due to a missed payment, you can add a backup payment method within your pet parent account! Should your primary payment method fail, we'll continue to try to make your payment with your backup payment method. It's easy to add and you'll have greater peace-of-mind knowing your payment will be made.

An incident is any illness or accident that results in veterinary care for your pet.

For only $10 per month, Bivvy will help protect your pet against:

✓ Illnesses                       ✓ Blood Tests

✓ Accidents                      ✓ Surgery

✓ Hereditary Conditions   ✓ Hospitalization

✓ Congenital Conditions  ✓ Prescription Medications

✓ Chronic Conditions       ✓ Emergency Care

✓ Cancer                          ✓ X-rays and Ultrasounds

✓ Diagnostic Treatment    ✓ Orthodontic Treatment

Please see our sample policy for a complete list of inclusions. For your pet’s preventative and routine vet expenses, you can add Bivvy Wellness Care! Learn more about Wellness Care in its dedicated FAQ section.

We have nothing to hide. We want you to know what is and isn’t covered by our policy after the waiting period.

Bivvy has a 14-day waiting period for accidents, a 30-day waiting period for illnesses and a 12-month waiting period for dogs' orthopedic conditions unless the orthopedic injury is a direct result of trauma.

  • Pre-Existing Conditions
  • Preventative or Routine Care
  • Vaccinations
  • Spay/Neuter Procedures
  • Cosmetic Surgery
  • Dental Cleanings and Other Preventative Dental Care
  • Food
  • Grooming
  • Boarding Your Pet
  • Air Ambulances
  • Non-Emergency Ground Ambulances
  • Cloning or Utilizing Cloned Animals in Treatment


Please see our sample policy for a complete list and description of what Bivvy covers. Remember, you can add Bivvy Wellness Care to cover your pet’s preventative and routine vet costs whereas your Bivvy insurance policy covers the unexpected. Learn more about Bivvy Wellness Care in its dedicated FAQ section.

As with all pet insurance policies, we exclude pre-existing conditions. This means a condition that first occurred or showed clinical signs before your pet's coverage started or before the end of the applicable waiting period. Unlike other insurers, temporary conditions that started prior to the end of the waiting period that have not shown any clinical signs for 12 consecutive months are not considered pre-existing conditions.

Bivvy has a 14-day waiting period for accidents and a 30-day waiting period for illnesses. For dogs, orthopedic conditions have a 12-month waiting period unless the orthopedic injury is a direct result of trauma, such as a car accident. Waiting periods begin on the effective date of the policy, which is the day you sign up for coverage. During the waiting periods, coverage is not in effect. For example, if your pet experiences an accident during the 14-day waiting period, treatment relating to that accident would not be covered.

We have waiting periods to protect all our customers from fraudulent claims. Some people try to have pet insurance pay for an already sick or injured pet and that wouldn’t be fair.

These terms can be confusing. Coinsurance, sometimes called a copay, is the amount you pay and the reimbursement is the amount that Bivvy pays. With Bivvy, your coinsurance is 50% and your reimbursement is 50%. That means, for example, if there is $500 of a covered bill still left after the deductible is applied, you'd pay $250 in coinsurance (50% of $500) and Bivvy will reimburse you for the remaining $250.

The annual limit is the maximum amount Bivvy will pay each policy year for covered expenses incurred during that policy year. This limit is $2,000 and resets each policy year. The incident limit is the maximum amount Bivvy will pay within the policy year for all covered expenses that result from the same sickness or injury. This limit is $1,000 and resets each policy year. The policy year begins on the effective date, which is the day you first signed your pet up for coverage or your annual renewal date. The lifetime limit is the maximum amount Bivvy will pay over the life of your pet. This limit is $25,000.

Sometimes insurance policies include a deductible, which is a specific amount of money policyholders have agreed to pay themselves (out-of-pocket) before their insurance protection kicks in. For Bivvy, the deductible is $250 per policy year and resets each policy year. The policy year is measured from the effective date of the policy, which is the day you first signed your pet up for coverage or your annual renewal date.

For example, if your policy became effective on 6/2/2020, the policy year would run from 6/2/2020 to 6/1/2021.  During this time period, you would have to pay the first $250 of covered expenses before Bivvy would pay.  If you renew your policy on 6/2/2021, the new policy year will run from 6/2/2021 to 6/1/2022 and the annual deductible will be reset. During this new time period, you again must pay the first $250 of covered expense before Bivvy would reimburse you for approved claims.

You can access an electronic copy of your policy at any time by logging into your account. You may also email us at [email protected] to obtain a copy.

No, your pet’s coverage is not dependent on age.

We’re happy to see you’re considering renewing your policy! Your policy will renew automatically each year as long as the required premium is paid and we approve.

We’d be sad to see you go! To cancel your policy simply log in to your pet parent portal and click on the “Cancel Policy” button at the bottom of your dashboard. Have questions? Send us an email at [email protected]!

You won't receive an insurance card with your coverage because with Bivvy you can go to any licensed veterinarian! Bivvy is a reimbursement policy, meaning we will reimburse you directly for any covered vet expenses for your insured furry friends.

Absolutely! It's important for you to be able to take your pet to a trusted provider. You may go to any licensed veterinary practice, emergency hospital or specialist.

Bivvy doesn’t use a provider network where you can only take your pet to one of the network-approved vets. Instead, we want you to see the vet you’re most comfortable with or who is most convenient to you in an emergency.

Bivvy pays pet parents directly, not the vet. Once your pet gets the care they need, we ask that you send us a copy of the vet bill through your online pet parent portal or via email. Once we review your bill, we’ll send you a reimbursement check for any approved claims.

There is no need to ask your vet if they accept Bivvy coverage or show your vet an insurance card. In fact, Bivvy doesn’t even give insurance cards. Simply get a copy of your receipt and send it our way!

Should your pet have to make a trip to the vet, we'll hope they feel better soon. But rest assured, we've made submitting a claim quick and easy.

Submitting a claim can be done online by logging into your account. Once a claim is submitted we’ll start reviewing your claim information ASAP.

We pride ourselves on quick approvals! We begin reviewing claims within one business day of being filed. Once we have all requested documentation, a claim decision can be made within minutes.

No, however we will only cover expenses up to $2,000 per policy year. Once you hit this annual limit, we will no longer pay any benefit for the policy year. There is also a $1,000 incident limit which is the most we will pay for all covered expenses that result from the same injury or sickness.

Bivvy Wellness Care is a great choice for pet parents who would like coverage for routine and preventative expenses in addition to their pet insurance coverage. Bivvy Wellness Care can be added when purchasing a new Bivvy insurance policy and when a policy renews. Our Wellness Care is $9 a month and pays up to a specific annual limit based on the type of care.

Wellness Examinations
$40
Wellness Examinations
Rabies Vaccination
Other Vaccinations
$15
$15
Flea, Tick and Heartworm Prevention
$15
FELV Screen
$15
Heartworm Test
$10
Microchip
$20
Urinalysis or ERD
$15
Deworming
$20

 

As shared previously, there is an annual limit for each type of care. The dollar amount for each treatment shown above is the most Bivvy would reimburse for that treatment per policy year. For example, if your pet has two wellness exams in a policy year with each exam costing $50, Bivvy will reimburse you for no more than $40 of the $100 total cost.

When signing up your pet for insurance coverage, you’ll be prompted to add Wellness Care within the application. You can also add Wellness Care coverage when you renew your policy. At this time, Wellness Care is not available to add on to an existing insurance policy.

While you could cancel your policy and sign up again to add Wellness Care, please note that any conditions found previously would be considered pre-existing and waiting periods would reset.

At this time, Wellness Care is not available to add on to an existing policy. It can only be added to new policies during the sign-up process and when your existing policy renews.

Wellness Care coverage doesn’t impact your insurance policy’s deductible, co-payments or annual limit.

Just like our Bivvy pet insurance coverage, Wellness Care reimburses pet parents directly for approved claims. You send us your vet bill through your Bivvy pet parent account, and we’ll send you a reimbursement for approved Wellness Care costs. We work hard to review claims and send reimbursements as soon as possible!

Wellness Care is pet-specific, just like our insurance policies! Each of your furry friends can have the Wellness Care option attached to their insurance policy during sign-up or when renewing their policy. Wellness Care benefit maximums will remain separate based on the care each pet receives over the course of their policy year.

Just like our Bivvy pet insurance coverage, Wellness Care reimburses pet parents directly for approved claims. You send us your vet bill through your Bivvy pet parent account, and we’ll reimburse for approved Wellness Care costs.

At this time, you’re not able to sign up for Wellness Care without an insurance policy.

For sure! If your employer is a Bivvy partner, you can apply your employer code to both your Wellness Care and your policy premium for each furry friend you sign up.

Your $9 monthly Wellness Care premium will be charged using the payment method you select when signing up. You can change your payment method any time by logging into your Bivvy pet parent account.

Our Wellness Care benefits reset each policy year!

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Be sure to check out our FAQ page for common questions and answers.