Compare Bivvy Pet Insurance

Comparison Fact Sheet (Birds and Exotic Pets)
Updated 2/6/2023

To get the most from these sheets, please read the Guide to Pet Insurance first.

***Please Note***
Bivvy is no longer taking new applications.
If you have a current plan with Bivvy it will end on your policy anniversary date. This date is located on your declarations page.
Be aware that if you move to a new company, any previous medical conditions under Bivvy will be considered pre-existing by a new company.



Company Info
Company Name Bivvy
Also Known As / Affiliates / Partners  
Address 5910 Mineral Point Road
Madison, WI 53705
Phone 1-855-434-3744
Website www.bivvy.com
Plans That Provide Full Accident and Illness Coverage Bivvy Accident and Illness Plan *
States Covered Currently not available in all states
Underwriter and AM Best Financial Strength Rating Insurance underwritten by CUMIS Insurance Society, Inc. which has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 2/6/2023.

For the most recent ratings go to: AM Best
Year Company Started 2019

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age No restrictions on age
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 30 days for illness

14 days for accidents

Orthopedic conditions for dogs have a 180 day or a 12 month waiting period (depending on the state you live in) unless the orthopedic injury is a direct result of trauma

**Waiting Periods can vary by state. See actual policy or contact Bivvy to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury Orthopedic conditions for dogs have a 180 day or a 12 month waiting period (depending on the state you live in) unless the orthopedic injury is a direct result of trauma

**Waiting Periods can vary by state. See actual policy or contact Bivvy to confirm the waiting periods for your state.
Coverage When Travel Out of State or Country? Bivvy's website states you can take your pet to any licensed vet while traveling. However it is not clear whether this applies when traveling to another country.
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages.

The premium may also increase due to inflation or other reasons.

Contact Bivvy for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Chronic conditions will continue to be covered each year as long as you do not go over your Maximum Payout.

(See 'Max Payout' section below)
Can the Price of the Policy Increase if a Claim is Filed? No
Choice of Vet? Bivvy's website states you can take your pet to any licensed vet. However it is not clear whether this applies when traveling to another country.
Money Back Guarantee? There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.

*May vary by state
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or contact Bivvy for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy available online

Select your state from the dropdown box and scroll to middle of the page to find a sample policy link.

 

What's Covered
Species Covered Select Birds and Exotic Pets
Accident/Injury -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Illness -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Behavioral Therapy Coverage It is not clear whether Bivvy covers Behavioral Therapy
Alternative Therapy Coverage It is not clear whether Bivvy covers Alternative Therapy.
Pre-existing Conditions Policy Pre-existing conditions are not covered.

However, 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. [This option does not appear to be available in all states]

According to their sample policy on their website, a pre-existing condition is
"a. Chronic Condition observed by You or Your Veterinary Provider prior to the Original Start Date or end of the Waiting Period for Your Pet and any related conditions; b. an Illness or Injury that first occurred or showed Clinical Signs prior to the Original Start Date or end of the Waiting Period for Your Pet and any related conditions; or c. Undiagnosed conditions with the same Clinical Signs as those in (a) or (b) above are also considered pre-existing"

**See actual policy or contact Bivvy for a complete description of pre-existing conditions for your state.
Hereditary & Congenital Conditions Coverage [INCLUDED] Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

These conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included with the policy.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)

Does not cover adrenal gland disease and endocrine neoplasia in ferrets.
Cancer Coverage [INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Cancer Coverage Limits Cancer conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Hip Dysplasia  
Prescription Drug Coverage [INCLUDED]

**See actual policy or contact Bivvy for their full description regarding prescription medications.
Pregnancy Coverage [NO]
Routine/Wellness Coverage ?
Vaccinations ?
Spay/Neuter ?
Dental Care (Routine) ?
Dental Care (Illness/Accident) [LIMITED COVERAGE]

Bivvy covers Endodontic Treatment for dental Injuries, such as root canals and crowns, where deemed Medically Necessary by their Medical Director.

Orthodontic Treatment that is Medically Necessary due to a covered Illness or Accident.

They do not cover removal of deciduous teeth (baby teeth)

**See actual policy or contact the company for a full list of inclusions and exclusions.
Bilateral Conditions Policy It is not clear what Bivvy's Bilateral Conditions Policy is.

**Contact the company for a complete list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents

[Included] Cancer, Prescription Medications, Hereditary/Congenital coverage, Dental Illness/Accident [Limited], Continual Chronic Conditions Coverage (Refer to each category's section for limitations)

[Optional] Routine/Wellness Care, Routine Dental Care (Refer to each category's section for limitations)

**See actual policy or contact Bivvy for a full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Accidents and illnesses that occur during the waiting period
  • Costs from breeding or pregnancy
  • Boarding
  • Grooming
...See policy for a complete listing

 

How The Policy Works
Reimbursement Varies by state
50% or 80%
Deductible Annual Deductible

Amount varies by state:
$100 or $250
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual
How is Reimbursement Determined It is not clear whether Bivvy uses the Actual Vet Bill or UCR to determine reimbursement amount.

It is not clear if the reimbursements are calculated by taking the deductible first or the reimbursement percentage first.
Max Payout Annually Varies by state.
$1,000 - $10,000
Max Lifetime Payout Bivvy has a $25,000 Max Lifetime payout
Max Payout per Incident In addition to an Annual and Lifetime payout, some states also have a Maximum Payout per Incident of $1000.

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. This limit 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.
Max Payout Based on Body System This plan does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $13.00 - $30.00 depending on location, plan, etc

 

Additional Info
My Review Bivvy Review
What are Customers Saying? Yelp.com

Check with your state's Department of Insurance to see if any complaints have been filed for this company
Better Business Bureau None available at the time of this writing
Additional Info  

*The information in the above charts applies to Bivvy's pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact Bivvy for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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