FREQUENTLY ASKED QUESTIONS
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. See the Coverage FAQs for additional coverage information.
Bivvy will cover one pet per policy. Have multiple pets? You can open a policy for each of your cats and dogs.
Simply log in to your account and select "Add a Pet" for each additional dog or cat that you'd like to cover.
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 in to 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!
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.
An incident is any illness or accident that results in veterinary care for your pet.
For your low monthly premium, Bivvy will help protect your pet against:
- Blood Tests
- Hereditary Conditions
- Congenital Conditions
- Prescription Medications
- Chronic Conditions
- Emergency Care
- X-rays and Ultrasounds
- Diagnostic Treatment
- Orthodontic Treatment
Please see our sample policy for a complete list of inclusions.
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. For Georgia residents the orthoepdic condition waiting period for dogs is 180-days.
- Pre-Existing Conditions
- Preventative or Routine Care
- Spay/Neuter Procedures
- Cosmetic Surgery
- Boarding Your Pet
- Air Ambulances and 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.
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.
Bivvy has a 14-day waiting period for accidents and illnesses. Orthopedic conditions have a 12-month waiting period for dogs. Georgia residents have a 180-day waiting period for their dog's orthopedic conditions. 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. For example, if you have coinsurance of 25% and a covered bill of $400, you'd pay $100 in coinsurance (25% of $400) and Bivvy would reimburse you for the remaining $300.
The annual limit is the maximum amount Bivvy will pay each policy year. This limit ranges based on your selected plan and resets each year. Depending on which plan you choose, there may be an incident limit of $1,000. The incident limit is the maximum amount Bivvy will pay for the same accident or injury. Bivvy also has a lifetime limit of $25,000 which is the maximum amount Bivvy will pay over the life of your pet.
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. Typically, policies with high deductibles (out-of-pocket costs) have lower premiums (monthly costs).
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.
We’d be sad to see you go! But to cancel your policy you can log in to your account and select ‘cancel’.
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.
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 your policy may have an annual limit. Once you hit this annual limit, we will no longer pay any benefit for the policy year. We also have a $25,000 lifetime limit. This is the maximum amount Bivvy will pay over the life of your pet.