Bivvy pet insurance is a solution when your pet will need care that exceeds your savings. Early insurance prevents your pet from suffering injuries and illnesses.
Pet parents want their furry friends to be healthy and happy. Daily treats, good diets, fancy bedding, squeaky new toys, and cool technology can be within your pet’s budget.
What pets does Bivvy cover?
Bivvy includes all cats and dogs irrespective of breed, sex, age, and size for the same $10 per month premium. The carrier has a $1,000 benefit limit that resets every year. Again, you can use any licensed veterinarian and Bivvy reimburses you directly for all covered expenses. Your policy renews automatically every year provided the required premium is paid.
considerations when choosing a bivvy insurance plan:
1-Insure your furry friend as soon as possible.
2-Your pet may be healthy and happy now, but insuring as early as possible minimizes the chances of your beloved suffering injuries and illnesses that may be excluded from a plan.
3-Always read the fine print.
4-Read all the terms and conditions of your policy.
5- Don't choose on price alone. 6-Pet insurance policies differ. 7-The type of vet fees covered is the main area of difference among policies and may affect the price.
8- Consider factors like maximum benefit limit, time limit, and accident-only coverage.
9-Do does not pick the highest vet fee benefit.
10-Monetary consideration is important, but a high level doesn’t necessarily translate to better coverage.
11-Be sure about the policy you buy since it determines how much and for how long you are covered.
12-Bivvy covers 1 pet per policy. Multiple pet owners must open an individual policy for each pet. If you can’t find your pet’s breed, choose the mixed breed option that corresponds with your pet’s weight. You aren’t required to choose a breed option for cats. No vet exam is needed to qualify for coverage – which pays for expenses up to $1,000 per policy year.
What costs covered in a Bivvy Pet Insurance plan:
1-Injuries, Bivvy pet insurance covers all expenses incurred when caring for injuries, like stitching and dressing.
2-Illnesses, The plan covers illnesses including allergies, arthritis, ear and skin infections, diabetes, and cancer.
3-Accidents, like ingestion of a foreign object, poisoning, gastric torsion, cruciate ligament rupture, and animal bites or which occur by an automobile accident.
4-Diagnostic tests and treatment. Procedures like blood tests, X-rays, ultrasounds, CT scans, and other tests your vet prescribes are covered.
5-Veterinary treatment. Bivvy reimburses you for all medical consultations, examinations, checkups, health inspections, office visits, office calls, and laboratory tests done by a vet.
6-Surgery, hospitalization, and prescription medications are also covered.
7-Emergency care. Let’s say you take in your pet for an emergency — you can expect Bivvy to cover it.
9-Your pet may need specialized treatment like:
1-Congenital conditions. Bivvy pet insurance covers any condition that was present when your pet was born. This may include cataracts, liver disease, heart disease, or another condition diagnosed by your vet.
2-Hereditary conditions: Your pet breed may be prone to hereditary conditions like thyroid disease and diabetes. German shepherds, for instance, are prone to hip dysplasia. Bivvy covers any hereditary condition that your pet may be prone to. Talk to your vet about the signs to watch out for.
3 -Chronic conditions:
Cancer, diabetes, arthritis, and asthma make the list of chronic diseases.
10-conditions covered by Bivvy pet insurance:
1-Endodontic treatment. 2-Orthodontic procedures like crowns and root canals required to treat dental injuries, improve dental function, and reduce pain are covered.
3-Euthanasia: This service is also covered where necessary for humane reasons, as well as associated cremation expenses.
Bivvy pet insurance coverage exclusions:
1-Preexisting conditions that show clinical signs or occur during the waiting period or before your plan takes effect.
2-Preventive or routine help like checkups, teeth cleaning, spaying or neutering, and vaccinations.
3-Cosmetic, aesthetic or elective procedures like declawing, tail docking, and ear cropping.
4-Breeding, pregnancy, or parturition.
5-Natural supplements, vitamins, and all foods
6-Grooming and pet care products like ear cleaner, conditioner, or shampoo.
7-Boarding your pet
8-Non-emergency ground ambulances.
10-Cloning or using cloned animals in your pet’s treatment.
11-Alternative therapies like acupuncture and chiropractic treatments.
12-No bilateral exclusions (a condition or disease that affects both sides of the body) listed in sample policy.
13-Temporary conditions that started before the end of the waiting period that show any clinical signs for 12 consecutive months are not considered pre-existing conditions.
The rates for your plan will depend on a combination of 5 factors:
1-Age of your pet.
2-Where you live.
3-Breed of your pet.
4-The deductible and reimbursement level.
Dog: Labrador Retriever – 6 years Pet Health Insurance Policy Costs $10
Dog: German Shepherd – 1 year Pet Health Insurance Policy Costs $10
Dog: Mixed Breed (35-65 pounds) – 1 year Pet Health Insurance Policy Cost $10
Dog: Mixed Breed (<35 pounds) – 6 years Pet Health Insurance Policy Cost $10
Cat: Less than 12 months old Pet Health Insurance Policy Costs $10
Cat: 3 years old Pet Health Insurance Policy Costs $10
Cat: 6 years old Pet Health Insurance Policy Costs $10
The annual increase of Bivvy pet insurance premiums :
The average price increase is less than 5% per year.
Bivvy Pet Insurance cover for life or not :
It is covered for life as long as you pay your premium and adhere to the terms of your Bivvy pet insurance policy. This is important because as your pet gets older the risk of illness and injury increases, and you’re more likely to file claims.
What are Bivvy’s coverage limits?
Bivvy Pet Insurance has a maximum coverage limit of $1,000 per year.
Bivvy pet insurance review :
1-Bivvy including all cats and dogs irrespective of breed, sex, age, and size for the same $10 per month premium. The carrier has a $1,000 benefit limit that resets every year.
3-Affordable pet insurance:
Bivvy pet insurance offers an affordable pet insurance policy (in some states) with the option of adding on a wellness plan. However, it places limits annually and over the lifetime of a pet, which other providers do not.
4-We don’t include Bivvy or any company with less than five years of experience in our annual pet insurance rankings because it takes time for policies to establish consistency of premiums. In our experience, new companies’ premiums, and thereby your monthly costs, tend to fluctuate the first few years.
Bivvy Pet Insurance waiting periods:
14 days: accidents (AZ: 3 days)
14 or 30 days: illnesses (length varies by state)
6 or 12 months: dog orthopedic conditions (e.g., cruciate ligament, hip dysplasia, etc.) unless the injury is the direct result of a trauma (length varies by state) so please check your policy.
The exclusions in Bivvy pet insurance :
1) General exclusions:
Bivvy pet insurance does not cover:
A. Veterinary examination fees.
B. Injury from an accident that occurs within the first fifteen (15) days following the pet policy effective date.
C. Illness that occurs or recurs within the (15) days which follow the pet policy effective period.
D. Illness related to hip dysplasia that occurs or recurs within the first twelve (12) months following the pet policy effective date.
2) Pre-existing conditions:
We do not cover pre-existing conditions that were treated within six months of the policy effective date.
Pre-existing conditions means:
A. Illness or the recurrence of any illness or condition which first occurred or displayed any signs and/or symptoms consistent with the stated illness or condition before the pet policy effective date;
B. An injury or recurrence of an injury that occurred before the pet policy effective date.
C. Any condition or complication resulting from an illness or injury that occurred before the pet policy effective date.
3) Preventive care exclusion
which does not cover:
A. Spaying and neutering.
B. Preventive healthcare including vaccinations or titer test, flea control, heartworm medication, deworming, nail trim, and grooming.
C. Parasite control including but not limited to internal and external parasites for which readily available prophylactic treatments are available.
D. Dental health care, however, if the injury to teeth is caused by an accident, we do cover the cost of extraction and/or reconstruction of damaged teeth.
E. Anal gland expression.
4) Other exclusion:
We do not reimburse the costs, fees, or expenses associated with:
A. Injury or illness due to any intentional, neglectful, or preventative action, including organized dogfighting, by you or a member of your household.
Why you choose Bivvy pet insurance:
1-A whole new breed of pet insurance.
2-Provide coverage for the state of Texas.
Bivvy pet insurance offers affordable coverage.
At just $15 per month, Bivvy's price is lower than what we've seen made available by any other insurer in the market today.
4-One plane for all:
The age, size, sex, or breed of your dog or cat doesn't matter - we'll protect your pet for the same $15 per month premium.
These terms can be confusing :
Coinsurance, sometimes called a copay, is the amount you pay.
Reimbursement is the amount that Bivvy pays. With Bivvy, your coinsurance is 50% and your reimbursement is 50%. That means, for example, if there is $500 of a covered bill still left after the deductible is applied, you'd pay $250 in coinsurance (50% of $500) and Bivvy will reimburse you for the remaining $250.
Annual and lifetime limits:
The annual limit is the maximum amount Bivvy will pay each policy year for covered expenses incurred during that policy year. This limit is $2,000 and resets each policy year. The policy year begins on the effective date, which is the day you first signed your pet up for coverage or your annual renewal date. The lifetime limit is the maximum amount Bivvy will pay over the life of your pet. This limit is $25,000.
Bivvy Pet insurance deductible:
A deductible is an amount you pay before Bivvy pays. Bivvy has a $100 deductible per approved claim. After that, Bivvy pet insurance pays the rest subject to any coinsurance requirement and annual or lifetime limits.
Bivvy covers 1 pet per policy. Multiple pet owners must open an individual policy for each pet. If you can’t find your pet’s breed, choose the mixed breed option that corresponds with your pet’s weight. You aren’t required to choose a breed option for cats. No vet exam is needed to qualify for coverage – which pays for expenses up to $1,000 per policy year.
Bivvy pet insurance knows that your pets are part of your family, so they provide service for your pet to be safe.
Read about: Pet Health
Read about: Pet Health
Read about: Pet Health
Read about: Pet Health
Read about: Pet Health