Bivvy Pet Insurance Reviews (2026 Guide)
If you’ve read some of our other pet insurance provider reviews, you’ve probably heard us mention that pet insurance isn’t a one-size-fits-all product. And objectively speaking, it isn’t — except for Bivvy’s policies.
Bivvy aims to simplify the pet insurance experience by providing one principal accident/illness policy that features a universal monthly rate and fixed coverage features for all pets, regardless of species, breed, or age.
Bivvy Pet Insurance Plans and Coverage
Bivvy distributes its coverage under one principal accident/illness policy at a fixed monthly premium of $14 to $15 for all pets, from hamsters to hounds. Bivvy’s annual coverage limit, reimbursement rate, and deductible are also preset and can’t be customized by policyholders.
Bivvy will cover your pet for up to $3,500 of eligible emergency veterinary services per year with a lifetime limit of $25,000. We think Bivvy could do better regarding its annual payout limits as most of its competitors seem to offer five-figure or unlimited coverage benefits.
If you ever have to file a claim for your pet, assuming that your claim is approved, Bivvy will only reimburse up to 50% of eligible expenses. Most other providers have maximum reimbursement rates of 90%.
Typically, monthly pet insurance premiums will be contingent on a number of factors specific to your pet, such as species, breed, age, and location. The downside to this is that owners with older pets and breeds predisposed to genetic health risks often get stuck paying exorbitant rates that ultimately negate the financial benefits of pet health insurance.
Bivvy is different. No matter what type of pet you have, you’ll only pay $14 or $15 per month (depending on what state you live in) for a comprehensive Bivvy policy. Bivvy’s basic coverage will reimburse you for hereditary and congenital conditions, chronic conditions, cancer, diagnostics, blood tests, X-rays, MRIs, ultrasounds, surgery, hospitalization, prescription medications, emergency care, and orthodontic treatments.
Your monthly premium with Bivvy also won’t increase with age or because you filed a claim.
Samples of Prices for Four Species/Breeds
| Species/Breed | Sample Price for Medium Mixed Breed Dog | Sample Price for Golden Retriever (Dog) | Sample Price for Domestic Shorthair Cat | Sample Price for Domestic Mediumhair Cat |
|---|---|---|---|---|
| Accident and Illness Plan | $106.01 | $140.90 | $55.75 | $55.75 |
| Accident and Illness Plan with Recovery and Complementary Care | $119.58 | $159.25 | $62.44 | $62.44 |
| Accident and Illness Plan With Recovery and Complementary Care and Pet Owner Assistance Add-ons | $124.53 | $164.20 | $67.39 | $67.39 |
Deductibles
All pet insurance carriers, including Bivvy, require pet owners to pay an annual deductible. Bivvy customers will need to pay $250 out-of-pocket every year for eligible veterinary services before Bivvy will step in to cover any remaining or future expenses.
Preventative Care Limits
For an additional $9 per month, a pet owner can add Bivvy’s elective wellness plan to their policy. Bivvy does enforce per-item limits on its preventative care coverage, which we’ve summarized in the table below:
Preventative Care Limits
| Covered Item | Annual Limit | ||
|---|---|---|---|
| Wellness Exam | $40 | ||
| Heartworm Test | $10 | ||
| Internal Parasite or Fecal Test | $20 | ||
| Bloodwork | $15 | ||
| Three Vaccines | $30 | ||
| Total | $115 |
Coverage Exclusions
Like every other pet insurance company in North America, Bivvy doesn’t cover pre-existing conditions of any kind. Any major or minor health-related issue that predates the end of your set waiting periods will not be eligible for coverage through Bivvy.
Bivvy also excludes veterinary expenses related to:
- Cosmetic surgery
- Pet food and supplements
- Air ambulances and non-emergency ground ambulances
- Vaccinations
- Boarding or kenneling
- Preventative dental care or dental cleanings
- Spaying or neutering
- Grooming
- Cloning or using cloned animals as part of treatment
- Adrenal gland disease (specific to ferrets)
- Endocrine neoplasia (specific to ferrets)
How do I file a claim with Bivvy?
You’ll first need to log into your Bivvy pet parent portal to initiate the claims process. Then, you’ll fill out a claims form, which must be received within 90 days of the treatment date. Bivvy requires that you also provide a receipt of itemized expenses from the emergency vet visit.
How long will it take for Bivvy to process my claim?
Bivvy starts reviewing submitted claims within one business day. So long as you’ve provided all the necessary documentation, your claim will be approved or denied within minutes after review.
Bivvy State Availability
Though it aims to offer its pet insurance policies nationwide soon, Bivvy is currently only available in 16 states, including: Arizona, Connecticut, Georgia, Illinois, Indiana, Iowa, Kansas, Maryland, Michigan, Minnesota, North Carolina, Oregon, South Carolina, Texas, Virginia, and Wisconsin.
Bivvy Pet Insurance Reviews
Here are a few snippets of feedback from current Bivvy customers that we’ve included to give you a more solidified sense of what to expect before signing up:
“I have a sweet but rebellious kitty who won’t let me touch her paws or ears. I have to force her into a carrier to get her to the vet for routine health screenings and a mani-pedi. I was very happy to find Bivvy since I know that vet expenses are pretty high. This program will help me take care of Miss Kitty and help her live a longer, happier life.” —Rebecca A., Trustpilot
“With everything going on, the last thing we needed was a vet bill. The bill for our furry friend was running $260, and once I submitted his claim, within three days, I received a response saying I was getting a check for $198! Definitely recommend!” —Vanesa L., Trustpilot
“It isn’t Bivvy’s fault, but I wish there were a way to have known that both of my pups didn’t have the same insurance. I thought I signed them both up for the same thing, but I guess I didn’t. Now I’ve lost out on reimbursements I could’ve had if that one box was checked. I had to cancel the old policy and restart a new one so that I can have him covered as the other one is.” —Sheila M., Trustpilot
“We joined Bivvy about a month ago for our 10-year-old dog, and over two weeks after we joined (at this point we were able to go to the vet if needed) and had to bring my dog to the vet. Bivvy refused to accept this claim ($300+) and said it was a preexisting condition when it was not. We canceled and are unhappy, and I am sad that my dog is no longer insured; however, this was hard to deal with.” —Willow H., Trustpilot
Compare Bivvy with Other Top Providers
| Best For | Star Rating | Monthly Cost | Link | ||
|---|---|---|---|---|---|
| Spot |  | Most Inclusive | $22-$80 | Compare Quotes | |
| Lemonade |  | Most Affordable | $16–$30 | Compare Quotes | |
| ASPCA Pet Insurance |  | Most Experienced | $18–$44 | Compare Quotes | |
| Fetch Pet Insurance |  | Most Comprehensive Coverage | $22-$38 | Compare Quotes | |
| Embrace |  | Best for Discounts Offered | $23-$85 | Compare Quotes | |
| Healthy Paws |  | Best for Chronic Conditions | $24–$54 | Compare Quotes | |
| Figo |  | Most Flexible Reimbursement Rates | $25-$54 | Compare Quotes |
| Spot | |
|---|---|
| Logo |
 |
| Best For | Most Inclusive |
| Star Rating | |
| Monthly Cost | $22-$80 |
| Lemonade | |
|---|---|
| Logo |
 |
| Best For | Most Affordable |
| Star Rating | |
| Monthly Cost | $16–$30 |
| ASPCA Pet Insurance | |
|---|---|
| Logo |
 |
| Best For | Most Experienced |
| Star Rating | |
| Monthly Cost | $18–$44 |
| Fetch Pet Insurance | |
|---|---|
| Logo |
|
| Best For | Most Comprehensive Coverage |
| Star Rating | |
| Monthly Cost | $22-$38 |
| Embrace | |
|---|---|
| Logo |
 |
| Best For | Best for Discounts Offered |
| Star Rating | |
| Monthly Cost | $23-$85 |
| Healthy Paws | |
|---|---|
| Logo |
 |
| Best For | Best for Chronic Conditions |
| Star Rating | |
| Monthly Cost | $24–$54 |
| Figo | |
|---|---|
| Logo |
 |
| Best For | Most Flexible Reimbursement Rates |
| Star Rating | |
| Monthly Cost | $25-$54 |
About Bivvy
Founded in 2019, Bivvy pet insurance is a Madison, Wisconsin-based company committed to providing uncomplicated, affordable pet insurance policies so pet owners can guarantee their pets the very best healthcare possible. Bivvy is underwritten by the CUMIS Insurance Society, Inc., which has been producing insurance for over 60 years and has an “A” rating from AM Best for its financial stability.
Final Thoughts on Bivvy
With the rising cost of pet healthcare, more and more pet owners are choosing to purchase pet insurance. However, deciding on a policy can be very difficult because there are so many different companies out there, and most people aren’t familiar with how pet insurance works or what it does and doesn’t cover. They’re also often afraid the policy will be more than they can handle financially.
Though Bivvy’s annual benefits and reimbursement percentages aren’t quite as generous as its competitors, it still makes securing affordable yet robust pet insurance possible by providing pet parents with made-to-order policies at competitively low rates.
Frequently Asked Questions
What are the advantages of Bivvy’s pet insurance?
Bivvy sets itself apart from other pet insurance providers by offering competitively affordable, ready-made accident/illness coverage at a fixed monthly rate and with preset annual coverage details that are the same for pets of all types, ages, and sizes.
With Bivvy, pet parents won’t have to worry about getting bogged down in different plan variations and coverage options — all the hard decisions have already been made.
Does Bivvy offer exotic pet insurance?
Yes! Bivvy covers cats, dogs, amphibians, birds, reptiles, small animals, rabbits, chinchillas, opossums, potbellied pigs, rabbits, and sugar gliders.
Does Bivvy offer direct vet payment?
No. Bivvy operates under a reimbursement basis, meaning you’ll be liable for compensating your licensed veterinarian upfront. Then Bivvy will pay you for 50% of those expenses once your claim has been approved.
Does Bivvy have any breed or age limits?
Bivvy doesn’t base enrollment eligibility on breed or age, so seniors and high-risk breeds are welcome to sign up.
Our Methodology
The Quartz research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.
We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.
To make our list, pet insurance companies must have:
- A variety of plan options
- Affordable monthly rates
Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.
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Trupanion Pet Insurance Reviews (2026 Guide)
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Healthy Paws Pet Insurance Reviews ( 2026 Guide)
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Fetch Pet Insurance Reviews ( 2026 Guide)
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ASPCA Pet Insurance Reviews (2026 Guide)
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Embrace Pet Insurance Reviews (2026 Guide)
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Lemonade Pet Insurance Reviews (2026 Guide)
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Spot Pet Insurance Reviews (2026 Guide)
