WHY BIVVY
A whole new breed of pet insurance
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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%

deductible
$0

annual limit
$1,000

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

deductible
$250

annual limit
$5,000

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

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, 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 that Bivvy will pay each calendar year. This limit ranges based on your selected plan and resets each year. Depending on the plan you choose there may be an incident limit of $1,000. Bivvy also has a lifetime limit of $25,000 which is the maximum amount Bivvy will pay over the life of your pet.
DEDUCTIBLE
A deductible is the amount you pay before Bivvy pays. That means, each calendar 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 a low monthly premium, we will help protect your pet against these conditions and related services. Now that's affordable pet insurance! See our sample policy for a complete list of inclusions.
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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
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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.
PRE-EXISTING CONDITIONS
PREVENTATIVE OR ROUTINE HELP
VACCINATIONS
SPAY/NEUTER PROCEDURES
COSMETIC SURGERY
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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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.
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.
Augustus Rudolpho is a happy, healthy and spunky doggy. He is my one and only and the thought of anything happening to him (big or small) is devastating. When deciding what pet insurance was right for me, Bivvy pet insurance was the obvious choice. Bivvy is very affordable and takes no time to sign up. I literally signed up Gussy between doggy snuggles. There’s no exam, and all breeds are welcome! I have a peace of mind knowing that Bivvy is there with a little bit of help if I ever need it.
Gwen S.
My rescue pup Frenchie means the world to my husband and I, which is why we protected Frenchie with Bivvy pet insurance! Bivvy’s easy to understand coverage and short online application made signing up a no-brainer. We’re so glad there’s a pet insurance solution that works for our budget and Frenchie’s needs
Beth H.
These are my children. I would go above and beyond to care for them, and with Bivvy I can do just that for less than a dollar a day. Protecting Layla Maloney, Bailey Ray Cyrus, and Nola Liisa with Bivvy is a no-brainer!
Dana O.
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.
My animals are my children and they depend on me to keep them healthy at every stage of their lives.  Chloe is my oldest at 17 years of age. When I saw Bivvy it was the perfect fit since they don’t age discriminate.  When she got sick I was relieved knowing that I wouldn’t have to worry about the financial burden. The claims are really easy to file and Bivvy is fast at reviewing them and will respond within a day or two to let you know the status.  Checks are mailed right away too which is a huge relief!
Kerry T.
We never considered ourselves cat people until Bob came along. Bob came to us unexpectedly with an amazing life story. Recognizing all he went through, we wanted to give Bob a forever home where he could feel loved and protected. When we came across Bivvy, it was a clear and simple way we could continue to provide the secure environment that Bob so desperately sought. We tell Bob every day that he is loved and now fully protected…. and he smiles like the Cheshire cat that he is.
Teresa M.
I never would have considered myself a “dog person” before I met Georgie. He was part of my husband’s family before I was and now the three of us are a family. I never knew the amount of love, joy, snuggles and friendship a little furry friend could bring. We would be lost if anything happened to him.
Jennifer Z.
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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
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