Home > Pet Insurance > Bivvy Pet Insurance Review: Cost and Coverage (2023)

Bivvy Pet Insurance Review: Cost and Coverage (2023)

Updated Jan 12, 2023

Updated Jan 12, 2023

Home > Pet Insurance > Bivvy Pet Insurance Review: Cost and Coverage (2023)

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Bivvy pet insurance is a convenient and affordable way for pet owners to pay for medical bills for their pets who need attention from a veterinarian. However, the company’s reimbursement rates are lower than those of other pet insurance companies, which can leave policyholders with higher out-of-pocket expenses.

Here are our top recommendations for pet insurance providers:

Pros and Cons


  • Covers animals other than cats and dogs
  • Flat-rate monthly pricing
  • No age limit on any policy choice


  • 50% reimbursement rate in most states
  • Coverages provided are less than other pet insurers

Bivvy is best for budget-conscious pet owners or those whose pets don’t qualify for coverage with other providers. Bivvy insurance offers ultra-low-cost coverage that almost any pet owner can afford; customers can purchase a basic plan at a fixed monthly premium of $14 a month in most states. However, policies are less inclusive than competitors, so it won’t work for pet owners looking for customized policies or comprehensive reimbursements.

Here are some key facts about Bivvy:

  • Annual limits: Bivvy’s annual coverage limits are lower than the industry average, and you cannot customize your benefit. Depending on your state, annual coverage limits range between $2,000 and $5,000.
  • Deductibles and coinsurance: Depending on your state, you’ll pay between $100 and $250 for your deductible. Bivvy’s policies also include 50% reimbursement rates on all plans, which is lower than the industry average.
  • Exclusions: Bivvy’s policies include the basic exclusions that nearly all pet insurance policies do, including no coverage for pre-existing conditions or routine dental care.
  • Premium pricing: The primary benefit of choosing Bivvy over other pet insurance providers is its low premiums. Depending on your state, you could pay as little as $13 a month for coverage, which is less than half of what most other pet insurance companies charge. Policies also do not increase in price over time, which can be ideal for owners of older pets.

Bivvy Pet Insurance Plans and Coverage

While most pet insurance companies offer multiple tiers of coverage, Bivvy offers a single accident-and-illness coverage option. While this makes Bivvy ideal for people looking for basic, affordable coverage, it’s not for pet owners who want more robust coverage.

However, Bivvy offers a wellness plan option and credit options if you receive a vet bill you can’t cover out-of-pocket. Let’s look at what each of Bivvy’s plans covers.

Base Accident and Illness

Bivvy has a single accident-and-illness plan that includes most injuries and maladies covered under other pet insurance plans. Some examples of items covered under this policy include:

  • Emergency care and transportation
  • Hospitalization
  • Surgical procedures
  • Physical therapy for orthopedic conditions
  • Prescription medications
  • X-rays, ultrasounds, blood tests, and other types of diagnostic tests

Bivvy covers items similar to major pet insurance plans, including Nationwide and Healthy Paws. Benefits also extend to chronic and congenital conditions, which can benefit dogs and cats that develop common illnesses as they age.

Bivvy Wellness Care

Bivvy offers an add-on wellness plan that covers common preventative care needs. Examples of covered benefits you’ll find on your wellness care plan include the following, along with the payout limit on each item:

Covered itemCovered annual limit
Annual wellness exams or checkups$40
Rabies vaccination$15
Additional vaccinations$15
Flea, tick, and heartworm prevention$15
FELV screening$15
Heartworm test$10
Microchip (implantation)$20

The total annual benefit you could gain from Bivvy’s wellness plan is $165, while the coverage costs $9 monthly ($108 annually). These coverage limits are lower than many other pet insurance companies but provide pet parents on a tight budget with an affordable way to get care for these excluded items.

Bivvy Pet Credit

Even the most responsible pet owner can run into an unexpected visit to the vet—and an emergency care bill. If you don’t have insurance to cover your pet’s care needs and you need financial assistance, consider Bivvy Pet Credit.

Bivvy Pet Credit provides pet owners with financing options to cover any pet-related care bill. Submit your application online to browse loan options from Bivvy’s trusted partners. Options are available for applicants with less-than-perfect credit, and often money is transferred within one business day after approval.

Not Covered by Bivvy Pet Insurance

As with any pet insurance, Bivvy’s plans come with a few coverage exclusions, including:

  • Boarding
  • Cosmetic surgeries
  • Dental cleanings, orthodontic treatment, and other non-trauma-related oral care needs
  • Grooming
  • Non-prescription medications and supplements
  • Pre-existing medical conditions
  • Preventative care (unless included with Bivvy Wellness)
  • Spaying and neutering

Additional exclusions may apply to animals besides dogs and cats. Read the complete terms of your policy before enrollment, so you know exactly what you’re buying. These exclusions are common in the pet insurance industry, and Bivvy doesn’t exclude any common treatments and needs not also excluded by other major plan providers.

Bivvy Pet Insurance Coverages Levels and Deductibles

While most pet insurance providers focus on offering a diverse range of customizable coverage options for your furry friend, Bivvy does things a little differently. The company offers a single plan with lower-than-average benefits and limits compared to other pet insurance industry providers to keep prices low.

Annual Limits

The annual coverage limit on a pet insurance policy is the total payout you can claim from your pet insurance provider in a year. Bivvy does not allow you to choose between multiple annual coverage limits, and your coverage limit will vary depending on where you buy coverage. For example, policies purchased in Alabama have a $2,000 annual limit, while those purchased in Indiana have a maximum annual payout of $3,500.

Bivvy policies come with a lifetime coverage limit of $25,000. If you hit this limit, your pet will lose coverage, and you’ll need to pay your remaining costs up-front. This should be a consideration when selecting a pet insurance policy.


Your pet insurance deductible is the amount of money you need to pay toward your pet’s veterinary care before your insurance covers the bills for your pet. While most pet insurance companies allow you to choose between multiple deductibles, Bivvy’s insurance policies all include a flat-rate deductible that’s the same for all policyholders in the state. The amounts vary by state, but in most states, Bivvy’s annual deductible is $250.

In some states, Bivvy policies include a per-incident fee instead of an annual deductible. For example, if you purchase a pet insurance policy through Bivvy as a resident of Texas, your policy will have a $100 deductible for each approved claim. This means that you will not meet your deductible throughout the year and will be billed this charge every time you seek care. This is uncommon in the pet insurance industry and can significantly limit the value and usefulness of Bivvy’s policies.

Reimbursement Levels

Your insurance’s reimbursement level is the percentage of your veterinary bills that your pet policy covers after you’ve met your deductible. For example, if you have a policy with an 80% reimbursement level and get a bill for $1,000 worth of veterinary surgery, your insurance will cover $800 (80%). You’d be responsible for your coinsurance percentage, which in this example is 20% ($200).

However, Bivvy’s pet insurance policies include a 50% reimbursement rate. This is significantly lower than other pet insurance providers and does not allow you to adjust your coverage. For example, competitor Lemonade pet insurance allows customers to choose 60%, 70%, 80%, or 90% reimbursement rates.

Bivvy Pet Insurance Pricing

In most states, your Bivvy pet insurance cost will be between $14 and $15 per month. This provides you with affordable insurance that will fit into almost any household budget. As a comparison, you can expect to pay between $29 to $50 per month for a policy from another insurer. This can make Bivvy a popular choice for homeowners looking for exceptionally low-cost coverage. Bivvy pet insurance costs vary by location, so get your free quote before investing in coverage.

Monthly Premium

Bivvy’s monthly premiums, deductibles, and coverage limits vary depending on where you live. As only one plan is available in each state, it is especially important to know what’s included. The following are some summaries of state coverages you’ll find through Bivvy.

StateMonthly premiumAnnual coverage limitDeductible
Arkansas$14$3,500$250 per year
Georgia$15$5,000 with an individual per incident limit of $1,000$250 per year
New Hampshire$14$3,500$250 per year
Texas$15$2,000$100 per approved claim
Virginia$13$2,000$100 per approved claim

The most common state coverage is a $14 monthly premium, with a $250 annual deductible and a $3,500 annual coverage limit.

Deals and Discounts

Bivvy pet insurance does not offer any additional discounts on policy premiums.

Bivvy Pet Insurance Waiting Periods

Almost every pet insurance policy comes with a waiting period that dictates when you can start using your benefits. Most pet insurance policies include short waiting periods for injuries (usually only a few days) and a separate waiting period for illnesses, which may be as long as a month.

Bivvy policies come with a 14-day waiting period for accidents and a 30-day waiting period for illnesses. Plans also include a separate 12-month waiting period for orthopedic injuries that are not the direct result of trauma. These waiting periods are longer than other pet insurance policies.

Bivvy Pet Insurance Availability

Bivvy offers pet insurance in 37 states and Washington, D.C. States where you can’t buy coverage from Bivvy include:

  • Alaska
  • California
  • Kentucky
  • Massachusetts
  • Maine
  • Mississippi
  • Montana
  • North Dakota
  • New York
  • Oklahoma
  • Pennsylvania
  • Washington

Bivvy Pet Insurance Reviews and Reputation

Bivvy does not have accreditation through the Better Business Bureau (BBB) nor a BBB grade.

Customer reviews of Bivvy pet insurance vary across third-party sites and individual customers. Reviews of Bivvy on Trustpilot skew positive. Customers who had a positive experience with Bivvy and recommended it to others frequently praised its straightforward policies and quick reimbursements. Customers who didn’t recommend Bivvy complained the policies didn’t include enough coverage to justify the price.

“It was very easy to sign up. And I’ve submitted my first claim and BIVVY has already reviewed and approved it in just a few days!! No hassle!! Quick and to the point which is how I like to conduct business!!” —Yolanda, 11/05/2022, Trustpilot, 5.0 stars.

“The very first claim we sent in was denied because according to them it was qualified as an illness when to me it is an injury and we weren’t out of our waiting period yet for illnesses. I disagree with their review and I see no point in continuing with them if their policies make no sense to me. What’s the point of having pet insurance if they won’t help you when you need them to.” —Rebecca, 07/02/2020, Trustpilot, 1.0 star

Compare Bivvy Pet Insurance to Competition

Get a better idea of what you might pay for pet insurance from Bivvy (and others) using the table below. All quotes were collected for a medium mixed-breed, three-year-old male animal in Orlando, Florida; premium ranges represent the most affordable and expensive policies offered from each company.

BrandSample Premium (Dogs)Sample Premium (Cats)DeductibleReimbursement RateAnnual LimitsBBB Rating*
Bivvy$14 to $18 per month$14 to $18 per month$100 to $25050%$2,000 to $5,000Not rated
Lemonade$15.06 to $59.70 per month$11 to $15.20 per month$100, $250, or $50060% to 90%$5,000 to $100,000Not rated
Spot$29.62 to $132.06 per month$26.86 to $35.73 per month$100 to $1,00070% to 90%$2,500 to unlimitedA
Wagmo$32.72 to $62.06 per month$21.62 to $40.08 per month$250 to $1,00090% to 100%$20,000B
Embrace$18.78 to $66.30 per month$10.34 to $36.50 per month$200 to $1,00070% to 90%$5,000 to $30,000A+
Healthy Paws$43.75 to $87.29 per month$31.27 to $63.03 per month$100 to $50070% to 90%UnlimitedA
Pawp$99.00 per year$99.00 per yearNot rated
Figo$35.26 to $61.88 per month$8.99 to $34.62 per month$250 to $1,00070% to 100%$5,000 to unlimitedB
Fetch$30.23 to $66.93 per month$20.16 to $40.34 per month$250 to $40070% to 90%$5,000 to $15,000A+
Trupanion$67.43 to $287.65 per month$26.62 to   $98.18 per month$0 to $1,00090%UnlimitedA-

* BBB ratings are accurate as of December 2022.

Bivvy Pet Insurance vs. Lemonade

To help you get a better idea of the type of pet insurance coverage you have access to, we’ve compared Bivvy to popular home, renters, auto, and pet insurance provider Lemonade. While Lemonade’s policies cost more than Bivvy’s, it’s clear what types of benefits you’re getting for the extra cost when you compare the pet insurance providers side by side.

Here’s a look at sample quotes from these two providers for a 2-year-old male golden retriever and a 2-year-old male American shorthair living in Wisconsin with a $250 deductible, 80% reimbursement level, and $10,000 annual limit.

DetailsBivvy Pet InsuranceLemonade
Annual Coverage Limit Options$2,000 to $5,000 per year, depending on your state$5,000 to $100,000 per year
Reimbursement Level Options50%70% to 90%
Deductible Options$100 to $250, depending on the stateThree options from $100 to $500
Average Cost for Dog*$14$33.68
Average Cost for Cat**$14$12.74

Final Thoughts: Bivvy Pet Insurance

If you need affordable pet insurance and can’t afford more comprehensive coverage, visiting Bivvy.com might be a smart choice. While policies are not customizable, and you cannot adjust your deductible or coverage level, pricing for plans does not change as your pet ages or if you need to file a claim. Sometimes, Bivvy is the right answer for owners of older pets that don’t qualify for insurance coverage from other providers.

For more comprehensive coverage, we recommend our best pet insurance providers.

Bivvy Pet Insurance FAQs

Does Bivvy Pet Insurance increase with age?

Unlike most other pet insurance policies, you’ll pay the same monthly premium no matter your pet’s age when you choose Bivvy. The trade-off is that Bivvy’s policies come with lower coverage than other insurers.

How long does Bivvy Pet Insurance take to process claims?

Bivvy’s underwriters review claims submitted through the company’s pet health insurance system within one business day. The company says it processes most claims within a few minutes after they’re reviewed.

Does Bivvy Pet Insurance cover pre-existing conditions?

No. Like other pet insurance providers, Bivvy will not cover any vet bill related to illnesses or conditions that your pet showed symptoms of before you got your coverage.

How much does Bivvy Pet Insurance cost?

Our Bivvy pet insurance review found that most pet owners can expect to pay between $13 and $16 per month for coverage. This cost does not increase as your pet gets older, making it a strong coverage option if you have an older pet.

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