WHY BIVVY
A whole new breed of pet insurance
made available exclusively by CUNA Mutual Group
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Compare the Bivvy difference
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.
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TOTALLY AFFORDABLE
Bivvy's price is lower than what we've seen made available by any other insurer in the market today.
SIMPLE
Bivvy has three straightforward plans that offer easy-to-understand coverage.
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Getting coverage couldn't be faster or easier. Apply in minutes and get immediate approval. No exams or frivolous paperwork needed!
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Premium
Deductible
Deductible Type
Copay
Annual Limit
Restrictions on Breed or Age
Restrictions on Hereditary Conditions
All New Accidents & Illnesses Covered
Insurance Carrier Rating
$10/mo
$0
Annual
25%
Yes
No
No
A+
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Choose from three
convenient plans
made available exclusively to CUNA Mutual Group employees and contractors
$9
/Month
any pet • any size
copay
25%

ANNUAL deductible
$0

annual limit
$1,000

incident limit
None
$1350
/Month
any pet • any size
copay
20%

ANNUAL deductible
$250

annual limit
$5,000

incident limit
$1,000
$1530-2250
/Month
premium depends on size
copay
20%

ANNUAL deductible
$250

annual limit
$3,500

incident limit
None
How Bivvy can help your family
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.
1 in 3 pets will need emergency vet care every year
$1,500
Average cost of emergency vet care
Important things to know about Bivvy pet insurance
PRE-EXISTING CONDITIONS
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.
WAITING PERIOD
Bivvy has a 14-day waiting period for accidents and illnesses. Orthopedic conditions have a 12-month waiting period for dogs. 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.

For dogs in Georgia and Connecticut, the waiting period for orthopedic conditions is 180-days.
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. For example, if you have a 25% coinsurance and the covered expense is $100, you will pay $25 (25% of $100) and Bivvy will reimburse you the remaining $75.
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 ranges based on your selected plan 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. Depending on the plan you choose there may be an incident limit of $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.
DEDUCTIBLE
A deductible is the amount you pay before Bivvy pays. That means, each policy year you pay your deductible amount of covered expenses. After that, Bivvy pays the rest subject to any coinsurance requirement and annual or lifetime limits. Depending on your selected plan, you may or may not have a deductible associated with your approved claims.
Important Things to Know About Bivvy
Pre-Existing Conditions
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, including waiting periods.
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. For example, if you have a 25% coinsurance and the covered expense is $100, you will pay $25 (25% of $100) and Bivvy will reimburse you the remaining $75. For example, if you have 20% coinsurance and there is $500 of the covered bill still left after the deductible is applied, you pay a $100 coinsurance (20% of $500) and Bivvy will reimburse you the remaining $400.
Deductible
A deductible is the amount you pay before Bivvy pays. Bivvy has an annual $250 deductible. That means, each calendar year you pay the first $250 of covered expense. After that, Bivvy pays the rest subject to any coinsurance requirement and annual or lifetime limits.
Waiting Period
Bivvy has a 14-day waiting period for accidents and illnesses. Orthopedic conditions have a 12-month waiting period. 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.
Annual, Incident and Lifetime Limits
The annual limit is the maximum amount that Bivvy will pay each calendar year. This limit is $1,000 and resets each year. Bivvy also has a lifetime limit of $25,000 which is the maximum amount that Bivvy will pay over the life of your pet.The annual limit is $5,000. This is the maximum amount Bivvy will pay each calendar year. The incident limit is $1,000. This is the maximum amount Bivvy will pay for all covered expenses that result from the same sickness or injury. The lifetime limit is $25,000. This is the maximum amount Bivvy will pay over the life of your pet.
What Bivvy Covers
For only [$10] per month, we will help protect your pet against:
Illness
Accidents
Hereditary Conditions
Congenital Conditions
Chronic Conditions
Cancer
Diagnostic Treatment
X-Rays and Ultrasounds
Blood Tests
Surgery
Hospitalization
Prescription Medications
Emergency Care
Orthodontic Treatment
What Bivvy  covers
For only [$##], 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!
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ILLNESSES
ACCIDENTS
HEREDITARY CONDITIONS
CONGENITAL CONDITIONS
CHRONIC CONDITIONS
CANCER
DIAGNOSTIC TREATMENT
X-RAYS AND ULTRASOUNDS
BLOOD TESTS
SURGERY
HOSPITALIZATION
PRESCRIPTION MEDICATIONS
EMERGENCY CARE
ORTHODONTIC TREATMENT
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What Bivvy does not cover
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!
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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
What Bivvy Does Not Cover
We have nothing to hide. We want you to know what is not covered by our policy:
Pre-existing Conditions
Preventative or Routine Care
Vaccines
Spay/Neuter Procedures
Cosmetic Surgery
Grooming
Boarding Your Pet
Air Ambulances and Non-Emergency Ground Ambulances
Cloning or Utilizing Cloned Animals in Treatment
Protect your pet today
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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!
Lona M.
I was relieved there was a pet insurance option out there that someone like me, a recent college grad, could afford. Not long after I signed up for Bivvy, I made my first claim. I was so pleased with how easy it was to file a claim and how quickly the claim was processed. All I had to do was send Bivvy a photo of my receipt from our visit and I was finished. Within a day of filing my claim, I received a message saying it was accepted, and my reimbursement was on its way.
Katie Q.
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!
Amber S.
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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