A whole new breed of pet insurance

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 180-day 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.

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 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.