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At just $13 per month, Bivvy's price is lower than what we've seen made available by any other insurer in the market today.
ONE PLAN FOR ALL
We're all family here! That's why we offer one simple price for each of your family pets. Our $13 doesn't change due to your pet's species, age, breed or size.
Even our healthiest pets can experience an emergency and leave us with difficult financial decisions. Bivvy provides you peace-of-mind, knowing you're prepared for your pet's unexpected expenses.
As with all pet health insurance policies, we exclude pre-existing conditions. This means a condition that first occurred or showed clinical signs before your pet’s coverage started, including waiting periods. 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. Orthopedic conditions have a 12-month waiting period for dogs unless the orthopedic injury is a direct result of trauma. 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.
COINSURANCE AND REIMBURSEMENTS
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.
ANNUAL 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 $2,000 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.
A deductible is the amount you pay before Bivvy pays. Bivvy has a $100 deductible per approved claim. After that, Bivvy pays the rest subject to any coinsurance requirement and annual or lifetime limits.
For only $13 per month, Bivvy will help cover your pet’s care as it relates to accidents and illnesses. Now that's affordable pet insurance! 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!
X-RAYS AND ULTRASOUNDS
Included with Bivvy Wellness Care
PREVENTATIVE OR ROUTINE CARE
We have nothing to hide. We want you to know what is not covered by our pet insurance policy. See our sample policy for a complete list of exclusions. Remember, you can add Bivvy Wellness Care to help with your pet’s preventative and routine vet expenses too!
PREVENTATIVE OR ROUTINE CARE
DENTAL CLEANINGS AND OTHER PREVENTATIVE DENTAL CARE
BOARDING YOUR PET
NON-EMERGENCY GROUND AMBULANCES
CLONING OR UTILIZING CLONED ANIMALS IN TREATMENT
ADRENAL GLAND DISEASE (FERRETS)
ENDOCRINE NEOPLASIA (FERRETS)
My cat is precious and at 13 years old, I wanted to make sure he was protected. Unfortunately, other pet insurance companies charge large monthly premiums with large deductibles for older cats. Bivvy not only kept the same low monthly premium, but the deductible is really reasonable. Glad to know my furry friend is protected!
I don't know what our family would do without our sweet dog Finn! Finn's health is a priority for us, so that he can be a part of our family for as long as possible!
Our pups bring us so much love every day. They are more than our pets, they are our family. They bring us so much happiness every day. We want to take care of them as best as we can, so that hopefully, they get to stay with us for many years to come and we continue to have many happy days together, for a very long time!