Bivvy Pet InsuranceReviews of bivvy.com

It was very easy. I hope it will be just as easy to use when I need it!

I had no issues with signing up.

Excellent customer service

Very easy to use, website is clutter free and straight to the point

Was kind of confusing. They werent up front about waiting periods. Had to get clarification on how your wellness program works. Could use some clearer verbiage.

Signing up for Bivvy was sooo easy! I have not used it, and hope other than Wellness checks that I don’t have to use it! It just makes me feel good knowing that I have invested a minimal amount of money monthly for the protection of my two Maine Coons who mean the world to me.

The ask all my question

One of my pets had a limp in her leg on 1/17/2021. I made an appointment with Banfield pet hospital to have an examination on 1/20/2021. The attending vet recommended X-rays. I had x-rays done. I filed a claim with Bivvy on 1/20/21. The claim was denied on 1/26/2021. The reasoning the provided were varying from the representative I spoke with: 1. Since there was no injury or illness diagnosed, the policy does not cover x-rays. a. My response was how can an injury or illness be determined if the attending vet recommends x-rays and Bivvy does not cover x-rays if no injury or illness was determined? 2. Other excuse Bivvy denied my x-ray claim was due to a "pre-existing condition." My dog had a leg surgery on 12/17/2019 for a broken leg. My policy started 2/25/2020. In the vet notes from 1/20/21, they found no bacterial infection or issue with my dogs leg. In the doctor's not it was not determined it was due to her surgery back on 12/17/2019. The doctor's note stated that the issue with her leg "could be" dues to a shift in a pin in her leg from surgery, but that it could not be determined without a surgical consult. I have a surgical consult on 2/18/2021. Bivvy however denied my x-rays claims. The representatives just read from a script to me on their response without further investigation. This policy is a scam. Bivvy is not transparent at all. Per their policy document “We will reimburse you for medically necessary treatment, including tax, for: x-rays, ultrasounds, CT scans, and other diagnostic tests.” Bivvy denied my x-ray claims. #cancelbivvy