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GENERAL
General
What is Bivvy?

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]$9 $5.40 а month, we will cover expenses up to [$1,000] per year, with a [$1,000] incident limit, coinsurance of only [20%] and a [$250] annual deductible per approved claim. See the Coverage FAQs for additional coverage information.

How many pets can I have on this policy?

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

How do I get a policy for another pet?

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.

Can't find your pet's breed?

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.

Where can I find a copy of my policy?

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.

How can I update my contact information?

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.

How do I update my payment information?

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.

How do I contact customer service?

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

Does my pet need a vet exam to qualify for coverage?

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

When do I pay my first premium?

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.

Can I sign up a friend or family member's pet with Bivvy?

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]!

COVERAGE
Coverage
What is considered an incident?

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

What does my policy cover?

For only [$10]$9 $5.40 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.

What is not included in Bivvy’s coverage?

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 and illnesses and a [12-month] waiting period for dogs' orthopedic conditions.

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.

Are pre-existing conditions excluded?

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.

When does my coverage go into effect?

Bivvy has a [14-day] waiting period for accidents and illnesses. For dogs, orthopedic conditions have a [180-day] waiting period. 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 active. For example, if your pet experiences an accident or illness during the [14-day] waiting period, treatment relating to that accident or illness would not be covered.

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.

What’s the difference between coinsurance and reimbursements?

...

What are annual, incident and lifetime limits?

The annual limit is the maximum amount Bivvy will pay each policy year for covered expenses incurred during that policy year. This limit is $5,000 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.

The annual limit is the maximum amount Bivvy will pay each policy year for covered expenses incurred during that policy year. This limit is $3,500 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.

What is an annual deductible?

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.

What is a per claim deductible?

This is the amount you pay per approved claim. After that, Bivvy pays the rest subject to any coinsurance requirement and annual or lifetime limits.

Where can I find a copy of my policy?

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.

Will my pet’s coverage drop at a certain age?

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

How do I renew my policy?

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.

How do I cancel my policy?

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]!

What is Wellness Care?

Our Wellness Care plan is a great choice for pet parents who would like coverage for routine and preventative expenses in addition to their insurance coverage. Wellness Care can be added when purchasing a new Bivvy insurance policy. This Wellness Care plan is only a few dollars per month and pays up to a specific annual limit based on the type of care. More details can be found when signing up for coverage.

Will my pet need an insurance card when we go to the vet?

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.

CLAIMS
Claims
Can I take my pet to any veterinarian?

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.

Does Bivvy pay the vet directly?

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!

How do I submit a claim?

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.

How long will it take to process my claim?

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.

Is there a limit to how many claims I can submit?

...

WELLNESS CARE
Wellness Care
What is Bivvy Wellness Care?

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. Wellness Care can be added when purchasing a new Bivvy insurance policy and when a policy renews. Our Wellness Care is $9 $9 $5.40 a month and pays up to a specific annual limit based on the type of care.

Wellness Examinations
$40
Vaccinations
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.

Where do I sign up for Wellness Care

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 consider pre-existing and waiting periods would reset.

If I already have a Bivvy policy, can I still add Wellness Care?

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.

How does Wellness Care impact my deductible, co-payment and annual limit?

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

How do I apply Wellness Care to my vet bills?

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!

I have multiple pets; can the Wellness Care plan cover all of them?

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.

How does Wellness Care help me with my vet bills?

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.

Can I only sign up for Wellness Care?

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

Does my employer code apply to my Wellness Care?

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.

How will I be charged for Wellness Care?

Your $9 $9 $5.40 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.

When do wellness benefits reset?

Our Wellness Care benefits reset each policy year!

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Bivvy® is brought to you by CUMIS Insurance Society, Inc., which is over 55 years old and part of a financially strong insurance group that has been serving hardworking people like you for over 80 years.
5910 MINERAL POINT ROAD, MADISON, WI 53705