Bivvy Pet Insurance Review 2023 in Simple Words
Bivvy offers pet insurance at a low price of $15 per month for each pet, no matter their breed, age, or size. However, there are some important things to consider before signing up. Bivvy Pet Insurance: Affordable, but Limited Coverage
Firstly, Bivvy is currently not accepting new pets for insurance. This means you might not be able to get a plan from them at the moment.
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| Bivvy Pet Insurance Review 2023 |
Secondly, their coverage is not as comprehensive as some other providers. Bivvy will only pay 50% of each claim, and you'll need to pay a $100 deductible before they start covering costs. Also, they put a cap on the amount they will reimburse you annually, limiting it to a maximum of $2,000.
This limited coverage might not be enough when facing expensive veterinary bills. It could leave you with a big financial burden and less peace of mind during a costly emergency.
In conclusion, Bivvy is known for its low monthly fee, but it falls short of providing extensive coverage. If you're considering Bivvy, be aware of these limitations and explore other options to ensure your pet gets the best care possible.
Different Types of Pet Insurance Plans from Bivvy
If you are able to get a Bivvy pet insurance plan, there's only one option to choose from. Bivvy keeps it simple and offers this single plan for all pet owners.
The good news is that all cats and dogs, no matter their age, gender, size, or breed, can get coverage. Bivvy's insurance includes:
- - Coverage for Illnesses
- - Blood tests
- - Accidents
- - Surgery
- - Hereditary conditions
- - Hospitalization
- - Congenital conditions
- - Prescription medications
- - Chronic conditions
- - Emergency care
- - Cancer
- - X-rays and ultrasounds
- - Diagnostic treatment
- - Orthodontic treatment
However, like most pet insurance companies, Bivvy does not cover pre-existing conditions. Also, keep in mind that vaccinations, spaying or neutering, dental cleanings, grooming, and boarding are not included in their coverage.
For those who want extra protection, there's an optional Wellness Care package. This package helps with the cost of preventive vet exams, parasite prevention, microchipping, deworming, and more. But remember, you can only get the wellness package if you have the accompanying insurance policy.
Now, let's talk about the costs. Bivvy's pet insurance policy is priced at $15 per month for each pet. If you decide to add the wellness package, it will cost you an additional $9 per month.
Wellness Care Coverage with Bivvy Pet Insurance
If you choose to get Bivvy's Wellness Care package, you can get reimbursements for various types of preventative care, totaling up to $165 each year. Here's what they cover and the corresponding amounts:
- - Wellness exams: $40
- - Rabies vaccination: $15
- - Other vaccinations: $15
- - Flea, tick, and heartworm prevention: $15
- - FELV screen: $15
- - Heartworm test: $10
- - Microchip (implantation): $20
- - Urinalysis or ERD: $15
- - Deworming: $20
Does Bivvy Offer Discounts?
Unfortunately, Bivvy doesn't provide discounts for insuring multiple pets. They charge a flat fee of $15 per month for each animal.
How to File a Claim with Bivvy Pet Insurance
Bivvy doesn't offer many options for contacting them. You can file a claim by logging into your Bivvy account and submitting the vet bill through their online portal or by sending it via email to team@bivvy.com. They promise to review eligible claims within one business day.
To get in touch with Bivvy, you can use the following:
- Email: team@bivvy.com
- Phone: (855) 434-3744
- Mailing Address:
- 5910 Mineral Point Road, Madison, WI 53705
Customer Reviews about Bivvy
Bivvy has received mixed reviews from customers online. Trustpilot, they have a high rating of 4.7 stars from almost 4,000 reviews. However, on Yelp, they have a lower rating of 2.5 stars from 11 reviews.
Some customers have expressed frustration with reaching the company or accessing their online accounts on Trustpilot as well.
Why You Can Trust Our Review of Bivvy Pet Insurance
When we review pet insurance providers like Bivvy, we consider the things that matter to you as a pet owner. We look at how easy it is to enroll your pet, the cost of the insurance policy, and what it covers.
Customer reviews are also important to us, as we want to know if the claims process is straightforward and how quickly people get reimbursed for eligible claims. You can find more details about our rating methodology for insurance in our full review.
Comparison: Bivvy vs. Companion Protect Pet Insurance
Both Bivvy and Companion Protect offer simple pet insurance policies. They have only one plan option each, with relatively low monthly premiums and a $100 deductible for eligible claims.
While Companion Protect costs $45 per month for dogs, Bivvy charges only $15 per month for any cat or dog. After the $100 deductible, Bivvy covers 50% of the remaining bill, while Companion Protect covers 90%. Bivvy has an annual reimbursement limit of $2,000, whereas Companion Protect offers a lifetime maximum of $100,000.
Pumpkin Insurance Services provides great coverage for pets that require frequent vet visits. They offer a flat 90% reimbursement rate with an annual deductible that starts at $100. This deductible is the same as Bivvy's single claim deductible.
However, Pumpkin's plan is more expensive, costing $139 per month for the 90% reimbursement and $100 deductible. In contrast, Bivvy's 50% reimbursement and $100-per-claim deductible plan is much more affordable, priced at just $15 per month.
Comparison: Bivvy vs. Healthy Paws Pet Insurance
For those seeking mid-range coverage, Healthy Paws Pet Insurance is a good option to compare with Bivvy. Healthy Paws offers two reimbursement tiers of 70% or 80% per claim, and you can choose an annual deductible of $250 or $500.
While Healthy Paws may cost a bit more than Bivvy, their monthly premiums are still lower than Pumpkin's. For example, the lowest-tier policy with 70% reimbursement and a $500 annual deductible is only $42 per month, which is $3 less than Companion Protect's policy with 90% reimbursement and a $100 deductible per claim.
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