Editor’s note: Bivvy Pet Insurance is no longer releasing brand-new policies. Instead, it’s motivating potential consumers to buy family pet insurance protection with Spot Pet Insurance, among our leading choices for the very best family pet insurance provider.
Although Bivvy’s website doesn’t supply much details, we talked to an agent over the phone that verified the business is heading out of business.
If you have an existing policy, Bivvy will continue to supply protection till the policy’s anniversary date. You can discover this date on your policy’s statement page.
Bivvy family pet insurance coverage advantages and disadvantages
- Offered budget friendly rates
- Covered all kinds of family animals
- Didn’t need a recent test
- Allowed consumers to present family pet insurance coverage
- Stopped taking brand-new applications
- Waiting durations were long
- Offered low protection limitations
- Didn’t cover pre-existing conditions
- Didn’t run across the country
Pros explained
Pricing was budget friendly
Bivvy Insurance charged a flat $14 to $15 rate to guarantee any family pet. The business likewise declared premiums would not increase if you made a claim. This made Bivvy an economical family pet insurance coverage supplier.
Covered all kinds of family animals
Bivvy was among the couple of insurance provider that covered other family animals besides dogs and cats. The business used insurance coverage for frogs, geckos, mice, lizards, snakes, turtles, tortoises, goats, opossums, ferrets, chameleons, hamsters, guinea pigs, rats, bunnies, chinchillas, hedgehogs, iguanas, gerbils, potbellied pigs, and sugar gliders, to name a few animals.
Bivvy likewise offered protection for the majority of birds, although it did not define the types that might be guaranteed.
Didn’t need a recent test
Bivvy didn’t need a recent test prior to covering animals. Therefore, even if an animal was vulnerable to disease, inclined to specific conditions, or at danger of regular illness, Bivvy might still guarantee it.
Allowed consumers to present family pet insurance coverage
Bivvy permitted consumers to buy insurance protection for their friend or family’ animals as a present. However, it needed noting the member of the family or friend as the insurance policy holder and keeping the client as a payor just.
Cons explained
Ceased taking brand-new applications
According to its main website, Bivvy is no longer releasing brand-new family pet insurance coverage. Instead, the business motivates brand-new candidates to secure their family pet insurance protection with Spot Pet Insurance.
Bivvy will not renew existing policies, and protection for all present policies ends on their anniversary date.
Waiting durations were long
Pet insurance coverage suppliers usually set waiting durations (the time it considers protection to begin after you buy a policy) to secure themselves versus deceptive claims by consumers who attempt to guarantee animals that are already hurt or ill.
For mishaps and health problems, waiting durations are usually in between one and 2 week. Canine orthopedic conditions normally have a longer waiting duration of in between 2 week and 6 months.
Bivvy had a longer-than-average 30-day waiting duration for health problems and a basic 14-day waiting duration of mishaps. Dog orthopedic conditions likewise had a longer waiting duration of 12 months (in some states).
Offered low protection limitations
Most family pet insurance provider use protection limitations of in between $5,000 and $30,000 annually. This is the optimum quantity of money the insurance provider will compensate you for claims in a 12-month duration.
Bivvy had a lower yearly limitation of $3,500 and a life time limitation of $25,000. It had a compensation rate of 50% and deductible alternatives of as much as $250 annually. While the deductible quantity was basic in the family pet insurance coverage market, the compensation rate was significantly lower. Most insurance coverage suppliers use compensation rates in between 70% and 90%.
Didn’t cover pre-existing conditions
Bivvy insurance coverage didn’t cover any pre-existing health problems in animals. These described health issue that animals had (leaving out hereditary and genetic conditions) prior to the start date of Bivvy’s protection.
While this was a constraint, it was a basic practice amongst the majority of pet insurance coverage suppliers. Bivvy did rule out conditions that developed throughout the waiting duration as pre-existing, as long as the family pet revealed no signs for 12 successive months
Didn’t run across the country
Bivvy family pet insurance coverage was available in 39 U.S. states and the District of Columbia.
Bivvy family pet insurance coverage strategies
Bivvy used 2 insurance coverage strategies: a basic mishap and disease policy and a health care add-on.
Accident and disease strategy
This was Bivvy’s main policy, and it covered a large range of tests, injuries and illness. Covered tests and services consisted of:
- Diagnostic treatment
- Blood tests
- X-rays
- Ultrasounds
- Chronic conditions
- Congenital conditions
- Hereditary conditions
- Surgeries
- Cancer treatment
- Orthodontic treatment
- Hospitalization
- Prescription medication
- Emergency care
Besides pre-existing conditions, Bivvy didn’t cover the following in its mishap and disease strategy:
- Grooming
- Vaccinations
- Routine or preventive care
- Cosmetic surgical treatments
- Neuter or spay treatments
- Food
- Preventive oral care, consisting of oral cleansing
- Pet boarding
- Non-emergency situation ground ambulance services
- Air ambulance services
- Cloning or utilizing cloned animals in family pet treatment
Bivvy health care
Bivvy offered wellness protection as an add-on to its basic mishap and disease strategy. The add-on was priced at $9 each month and spent for regular veterinary expenditures such as vaccinations and preventive care.
Below are the products consisted of in Bivvy’s health care add-on and the protection limitation for each one:
| PROTECTION | LIMITATION |
| Wellness Examinations | $40 |
| Microchip (Implantation) | $20 |
| Deworming | $20 |
| Rabies vaccination | $15 |
| Other vaccinations | $15 |
| FELV Screen | $15 |
| Urinalysis or ERD | $15 |
| Flea, Tick and Heartworm Prevention | $15 |
| Heartworm Test | $10 |
Bivvy family pet insurance coverage rates
Bivvy’s family pet insurance coverage cost a flat $14 or $15, depending upon your state. The strategy cost used to all kinds of animals. You might likewise include the optional Bivvy health care prepare for $9 each month.
The very first exceptional payment was due on the day you registered (although this is not an alternative any longer due to the fact that Bivvy no longer accepts brand-new applications). Subsequent payments were due after every one month. Bivvy accepted debit cards, charge card and ACH payments.
Bivvy family pet insurance coverage monetary stability
Bivvy hasn’t been ranked by AM Best, a credit ranking firm concentrated on the insurance coverage market. It likewise has actually not been ranked by Fitch Ratings, Moody’s or Standard & Poor’s, which are all significant credit ranking firms.
Bivvy family pet insurance coverage availability
Bivvy’s website consists of details about insurance coverage strategies, protection limitations, how to access your user website, pay or claims and get in touch with the business through email. It doesn’t have a chat function, nor does it list working hours.
Availability
Bivvy family pet insurance coverage was available in Alabama, Arkansas, Arizona, Colorado, Connecticut, the District of Columbia, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Louisiana, Maryland, Maine, Michigan, Minnesota, Missouri, North Carolina, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Wisconsin, West Virginia and Wyoming.
Plans were not available in Alaska, California, Kentucky, Massachusetts, Mississippi, Montana, North Dakota, New York, Oklahoma, Pennsylvania and Washington.
Contact details
Bivvy customer care is available toll-free at 1-855-434-3744 and through email at [email protected]. You can likewise compose a letter to CUMIS Insurance Society, Satellite Office at 5910 Mineral Point Road, Madison, WI 53705. The business doesn’t supply favored contact hours.
User experience
Bivvy’s website is easy to browse. You can log into your online account to send claims, alter payment details or update your contact information. Once you’ve sued, Bivvy says it will start examining it within one business day and decide within minutes. The business doesn’t have a mobile app.
Bivvy family pet insurance coverage client complete satisfaction
Bivvy is not Better Business Bureau (BBB)-certified and is not ranked by J.D. Power or the BBB.
Is Bivvy family pet insurance coverage good?
Bivvy Pet Insurance is no longer releasing brand-new policies. It was a good choice for consumers searching for budget friendly month-to-month premiums. However, its mishap and disease strategy had low protection limitations.
Is Bivvy family pet insurance coverage legit?
Yes, Bivvy Pet Insurance was a genuine family pet insurance coverage supplier owned by CUMIS Insurance Society, Inc. The latter has actually offered insurance coverage, monetary and technological services for over 55 years.
How does Bivvy family pet insurance coverage work?
For a flat rate of $14 or $15 each month, Bivvy offered mishap and disease insurance protection for any family pet, not simply dogs and cats. For an extra $9, consumers might buy Bivvy’s health care strategy to a basic policy. This add-on spent for regular veterinary expenditures like preventive care and vaccinations.
The business dealt with a compensation design.
What does Bivvy family pet insurance coverage cover?
Bivvy’s mishap and disease policy covered numerous diagnostic tests (x-rays, ultrasounds and blood tests) and medical treatments for hereditary and genetic conditions, mishaps and more.
The health care strategy covered regular veterinary expenditures, consisting of preventive care and vaccinations.
How we assessed Bivvy family pet insurance coverage
To assess Bivvy and its family pet insurance coverage strategies, we thought about the list below aspects:
- Pricing: Bivvy stood apart due to the fact that it charged an economical flat rate premium for all kinds of animals.
- Available add-ons: Add-ons permit insurance policy holders to tailor their policies to their family pet’s requirements. The more the add-ons available, the much better. Bivvy fell short in this regard.
- Coverage limitations: A high protection limitation can help you fulfill pricey or continuous medical expenditures. Bivvy’s limitations were substantially listed below market averages.
- Eligible animals: Most family pet insurance provider just cover dogs and cats. Bivvy was various due to the fact that it offered policies for all kinds of family animals.
- Pre-existing conditions: Pet insurance coverage for pre-existing conditions can help you get healthcare for an animal that’s already ill. Like numerous other family pet insurance coverage suppliers, Bivvy doesn’t cover pre-existing conditions.
- National accessibility: Bivvy is not available in every state, that makes it unattainable to some family pet owners.
- Customer assistance: Bivvy supplies a contact number, email and mailing address.
Summary of Money’s Bivvy family pet insurance coverage evaluation
For some family pet moms and dads, family pet insurance coverage can be worth it. It can supply financial backing when your family pet falls ill or gets hurt, minimizing unforeseen veterinary expenditures and psychological tension. However, premiums can be high, particularly as animals age.
While Bivvy Pet Insurance is no longer releasing brand-new policies, it stood apart by using an economical flat rate, independent of the family pet’s age, type or size. Unlike numerous suppliers, Bivvy likewise covered a range of family animals beyond cats and dogs.
Nevertheless, Bivvy had restrictions such as low protection limitations, a prolonged waiting duration, and the exemption of pre-existing conditions. (And obviously, has actually because headed out of business.)
If you’re offered on family pet insurance coverage, read our guide to the very best family pet insurance provider. Some of our leading choices have actually functioned for years and use trusted protection for various kinds of animals.
