Bivvy affords each accident-and-illness plans and wellness plans.
Accident-and-Illness Plan
While most pet insurance coverage corporations supply separate accident-and-illness protection, Bivvy has one plan protecting each unintended and emergency accidents and beforehand undiagnosed diseases and situations for cats and dogs.
The plan is $15 monthly, no matter your pet’s age, measurement, intercourse or breed. The customary plan has a $5,000 annual cap on protection with a $1,000 most for accidents.
In addition to a $250 deductible, Bivvy expenses 50% co-insurance on any claims and reimburses the remaining 50%. For instance, you probably have a $1,000 vet invoice left after paying your $250 annual deductible, you need to pay $500 out of pocket, and Bivvy will reimburse you for the remaining $500.
Bivvy’s customary plan covers the next:
- Surgeries associated to sickness or damage
- X-rays, ultrasounds and different diagnostic checks
- Lab checks
- Veterinary providers rendered to deal with or diagnose damage or sickness, together with any charges for phone consultations
- Medically essential provides
- Hospitalization
- Endodontic remedies, resembling root canals and crowns for accidents
- Orthodontic remedies
- Euthanasia, when deemed essential for humane causes
- Cremation prices
Bivvy has a 14-day ready interval for all accidents and diseases, apart from any orthopedic situations, which require a 180-day ready interval. The ready interval is the period of time after you buy your coverage that you need to wait earlier than submitting any claims.
If your pet has an damage or sudden sickness ahead of two weeks after your plan begins, you’ll not be entitled to protection. Similarly, in case your canine or cat is identified with an orthopedic situation ahead of 180 days after plan buy, Bivvy is not going to cowl it.
While different corporations have related ready durations, remember that many, together with Embrace and Figo, have ready durations of not more than three days.
Wellness Care
Bivvy has an elective bundle for the cost of routine and preventive care. The firm’s wellness add-on is a further $9 monthly, no matter your pet’s breed, age, intercourse or measurement.
The wellness plan pays the next:
- Two common exams per yr — as much as $40 every
- Microchip implantation — as much as $20
- Deworming — as much as $20
- Certain vaccinations, together with a rabies shot — as much as $15 every
- Flea, tick and heartworm prevention — as much as $15 every
- Heartworm take a look at — as much as $10
Bivvy’s Exclusions
Like most pet insurance coverage suppliers, Bivvy is not going to cowl any preexisting issues, together with any congenital or hereditary situations, or different points identified earlier than the top of the 14- and 180-day ready interval.
Bivvy additionally is not going to cowl any preventive care, together with spaying and neutering, vaccinations, flea and heartworm treatment and grooming prices, in its customary plan. Considering that exclusion, the corporate won’t be the best choice in case you are on the lookout for protection for a young puppy or kitten.
Lemonade, for instance, affords a wellness plan particularly for dogs and cats below 2 years of age that covers required vaccinations, blood checks, checkups and different routine vet exams.
Other exclusions are as follows:
- More than one removing of an ingested merchandise or substance per one-year coverage time period
- Toothbrushes, toothpaste, dental chews, rinses or basic preventive dental care or cleanings
- Cosmetic surgical procedures, resembling tail docking, ear cropping or declawing
- Vitamins and dietary supplements
- Prescription and over-the-counter shampoos, conditioners and ear cleaners
- Any remedies given after a vet’s advice to euthanize
- Deliberate damage or sickness attributable to you, your loved ones members, individuals dwelling inside your home or anybody answerable for the care of your pet. This exclusion doesn’t apply to accidents or diseases that happen as a result of household violence or by somebody for whom you file a felony grievance associated to the problem.
- Injury or sickness attributable to business purposes of your pet (racing, legislation enforcement, guarding, and so on.)
Plan Customizations
- Deductibles: $250
- Annual limits: $5,000 whole; $1,000 for unintended accidents
- Reimbursement charges: 50%
Bivvy’s Premiums
Bivvy expenses the identical premium — $15 — whatever the breed and age of your canine or cat. Bivvy plans can’t be personalized, so the $15 month-to-month payment is predicated on a $5,000 protection cap with a $250 deductible and 80% reimbursement price.
