FREQUENTLY ASKED QUESTIONS

We're here to help
Coverage for the state of {{location.name}}
Bivvy is not yet available in {{location.name}}
Here is information for Bivvy in the state of {{$defaultStateName}}
Not your state? (change)
===
GENERAL
General
What is Bivvy?

Have a dog or cat you want to protect? Sign your furry friend up for Bivvy pet insurance!

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. For [$10] а month, we will cover expenses up to [$1,000] per year with coinsurance of only [20%] and a [$250] annual deductible per approved claim. See the Coverage FAQs for additional coverage information.

How many pets can I have on this policy?

Bivvy will cover one pet per policy. Have multiple pets? You can open a policy for each of your cats and dogs.

How do I get a policy for another pet?

Simply log in to your account and select "Add a Pet" for each additional dog or cat that you'd like to cover.

Can't find your pet's breed?

Not a problem. Simply select our mixed breed option for the corresponding weight of your pet. Bivvy covers all pet breeds. You do not need to select a breed option for cats.

Where can I find a copy of my policy?

You can access an electronic copy of your policy at any time by logging into your account. You may also email us at team@bivvy.com to obtain a copy.

How can I update my contact information?

Simply visit your online account, navigate to the profile tab and update what’s new! Want help? Email us at team@bivvy.com and we can change your information on our end too.

How do I update my payment information?

This can be done through your online account. Log on to your profile, navigate to your Payments tab and click on the Update link. You'll receive a confirmation email after the update has been made to your account.

How do I contact customer service?

We’re here to help! Send us a message at team@bivvy.com.

Does my pet need a vet exam to qualify for coverage?

No, all you need to do is sign them up online.

COVERAGE
Coverage
What is considered an incident?

An incident is any illness or accident that results in veterinary care for your pet.

What does my policy cover?

For only [$10] per month, Bivvy will help protect your pet against:

  • Illness
  • Blood Tests
  • Accidents
  • Surgery
  • Hereditary Conditions
  • Hospitalization
  • Congenital Conditions
  • Prescription Medications
  • Chronic Conditions
  • Emergency Care
  • Cancer
  • X-rays and Ultrasounds
  • Diagnostic Treatment
  • Orthodontic Treatment

Please see our sample policy for a complete list of inclusions.

What is not included in Bivvy’s coverage?

We have nothing to hide. We want you to know what is and isn’t covered by our policy after the waiting period.

Bivvy has a [14-day] waiting period for accidents and illnesses and a [12-month] waiting period for dogs' orthopedic conditions.

Bivvy has a [14-day] waiting period for accidents, a [30-day] waiting period for illnesses and a [12-month] waiting period for dogs' orthopedic conditions unless the orthopedic injury is a direct result of trauma.

  • 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

Please see our sample policy for a complete list and description of what Bivvy covers.

Why are pre-existing conditions excluded?

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 or before the end of the applicable waiting period. 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.

When does my coverage go into effect?

Bivvy has a [14-day] waiting period for accidents and illnesses. For dogs, 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.

Bivvy has a [14-day] waiting period for accidents and a [30-day] waiting period for illnesses. For dogs, orthopedic conditions have a [12-month] waiting period 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.

What’s the difference between coinsurance and reimbursements?

...

TEST

...

What is a deductible?

Sometimes insurance policies include a deductible, which is a specific amount of money policyholders have agreed to pay themselves (“out-of-pocket”) before their insurance protection kicks in. Typically, policies with high deductibles (out-of-pocket costs) have lower premiums (monthly costs). For Bivvy, the deductible is $250 per policy year.

Sometimes insurance policies include a deductible, which is a specific amount of money policyholders have agreed to pay themselves (“out-of-pocket”) before their insurance protection kicks in. Typically, policies with high deductibles (out-of-pocket costs) have lower premiums (monthly costs). For Bivvy, there is no annual deductible but there is a [$100] deductible per approved claim.

Sometimes insurance policies include a deductible, which is a specific amount of money policyholders have agreed to pay themselves (“out-of-pocket”) before their insurance protection kicks in. Typically, policies with high deductibles (out-of-pocket costs) have lower premiums (monthly costs). For Bivvy, the annual deductible is [$100] per policy year.

Where can I find a copy of my policy?

You can access an electronic copy of your policy at any time by logging into your account. You may also email us at team@bivvy.com to obtain a copy.

Will my pet’s coverage drop at a certain age?

No, your pet’s coverage is not dependent on age.

How do I renew my policy?

We’re happy to see you’re considering renewing your policy! Your policy will renew automatically each year as long as the required premium is paid and we approve.

How do I cancel my policy?

We’d be sad to see you go! But to cancel your policy you can log in to your account and select ‘cancel’. Have questions? Send us an email at team@bivvy.com!

What is Wellness Care?

Our Wellness Care plan is a great choice for pet parents who would like coverage for routine and preventative expenses in addition to their insurance coverage. Wellness Care can be added when purchasing a new Bivvy insurance policy. This Wellness Care plan is only a few dollars per month and pays up to a specific annual limit based on the type of care. More details can be found when signing up for coverage.

Will my pet need an insurance card when we go to the vet?

You won't receive an insurance card with your coverage because with Bivvy you can go to any licensed veterinarian! Bivvy is a reimbursement policy, meaning we will reimburse you directly for any covered vet expenses for your insured furry friends.

CLAIMS
Claims
Can I take my pet to any veterinarian?

Absolutely! It's important for you to be able to take your pet to a trusted provider. You may go to any licensed veterinary practice, emergency hospital or specialist.

How do I submit a claim?

Should your pet have to make a trip to the vet, we'll hope they feel better soon. But rest assured, we've made submitting a claim quick and easy.

Submitting a claim can be done online by logging into your account. Once a claim is submitted we’ll start reviewing your claim information ASAP.

How long will it take to process my claim?

We pride ourselves on quick approvals! We begin reviewing claims within one business day of being filed. Once we have all requested documentation, a claim decision can be made within minutes.

Is there a limit to how many claims I can submit?

...

WELLNESS CARE
Wellness Care
What is Bivvy Wellness Care?

Bivvy Wellness Care is a great choice for pet parents who would like coverage for routine and preventative expenses in addition to their pet insurance coverage. Wellness Care can be added when purchasing a new Bivvy insurance policy and when a policy renews. Our Wellness Care is $9 $9 $5.40 a month and pays up to a specific annual limit based on the type of care.

Wellness Examinations
$40
Vaccinations
Rabies Vaccination
Other Vaccinations
$15
$15
Flea, Tick and Heartworm Prevention
$15
FELV Screen
$15
Heartworm Test
$10
Microchip
$20
Urinalysis or ERD
$15
Deworming
$20

As shared previously, there is an annual limit for each type of care. The dollar amount for each treatment shown above is the most Bivvy would reimburse for that treatment per policy year. For example, if your pet has two wellness exams in a policy year with each exam costing $50, Bivvy will reimburse you for no more than $40 of the $100 total cost.

Where do I sign up for Wellness Care

When signing up your pet for insurance coverage, you’ll be prompted to add Wellness Care within the application. You can also add Wellness Care coverage when you renew your policy. At this time, Wellness Care is not available to add on to an existing insurance policy.

While you could cancel your policy and sign up again to add Wellness Care, please note that any conditions found previously would be consider pre-existing and waiting periods would reset.

If I already have a Bivvy policy, can I still add Wellness Care?

At this time, Wellness Care is not available to add on to an existing policy. It can only be added to new policies during the sign-up process and when your existing policy renews.

How does Wellness Care impact my deductible, co-payment and annual limit?

Wellness Care coverage doesn’t impact your insurance policy’s deductible, co-payments or annual limit.

How do I apply Wellness Care to my vet bills?

Just like our Bivvy pet insurance coverage, Wellness Care reimburses pet parents directly for approved claims. You send us your vet bill through your Bivvy pet parent account, and we’ll send you a reimbursement for approved Wellness Care costs. We work hard to review claims and send reimbursements as soon as possible!

I have multiple pets; can the Wellness Care plan cover all of them?

Wellness Care is pet-specific, just like our insurance policies! Each of your furry friends can have the Wellness Care option attached to their insurance policy during sign-up or when renewing their policy. Wellness Care benefit maximums will remain separate based on the care each pet receives over the course of their policy year.

How does Wellness Care help me with my vet bills?

Just like our Bivvy pet insurance coverage, Wellness Care reimburses pet parents directly for approved claims. You send us your vet bill through your Bivvy pet parent account, and we’ll reimburse for approved Wellness Care costs.

Can I only sign up for Wellness Care?

At this time, you’re not able to sign up for Wellness Care without an insurance policy.

Does my employer code apply to my Wellness Care?

For sure! If your employer is a Bivvy partner, you can apply your employer code to both your Wellness Care and your policy premium for each furry friend you sign up.

How will I be charged for Wellness Care?

Your $9 $9 $5.40 monthly Wellness Care premium will be charged using the payment method you select when signing up. You can change your payment method any time by logging into your Bivvy pet parent account.

When do wellness benefits reset?

Our Wellness Care benefits reset each policy year!

Protect your pet today
GET BIVVY
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Get in touch
We're here to help. Use the form to send us your questions or comments, and we will be in touch as soon as possible.
Be sure to check out our FAQ page for common questions and answers.
Thank you! Your submission has been received!
We're here to help. Use the form to send us your questions or comments, and we will be in touch as soon as possible.
Oops! Something went wrong while submitting the form.
Stay connected
Get the latest buzz from Bivvy by joining our email list.
Plus, follow us on social media!
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
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