Review Time
Their system lost my claims 10 of them. When I asked to resubmit. They told me it's too late to try again. If it was your system that screwed up. Why can't you fix it? Totally defeats the purpose of having insurance. Literally a years worth of claims down the drain.
My second claim. The first went fine and they sent checks. This time they tell me "the check is in the mail" and should take 7-10 days.....really? Very disappointed. We signed up for well care, they paid 80.00 for a 450.00 bill. 80.00 is 3 months of payment for Toby.
Bivvy cancelled my dog’s insurance at his one year mark. He’s getting older and he’s a big boy, so he’s been having some issues with his back hips and legs. Upon speaking with Bivvy they informed me if I can wait another month for surgery until he hit his one year mark, they would begin coverage for orthopedic conditions. So I waited the month, now coming up on his one year mark I went to schedule the appointment and found that his insurance would be cancelled at the one year mark. They suggested I move his coverage to spot and upon calling spot I was informed I would have to wait six months before orthopedic conditions are covered and because his has already been realized, it is pre-existing and will not be covered. So now I’m completely heartbroken and completely out of luck. I paid for this insurance for a year for nothing and now I have no choice but to pay for the surgery entirely out of pocket even though I did everything in my power to have insurance for him. Do not use this company they will screw you over.
I submitted a claim for a condition which symptoms first appears in March of 2021. My Bivvy policy started in October of 2020. Bivvy is saying this is a preexisting condition. The injury occurred 4 months after our policy started! Unbelievable. Total scam.UPDATE: I reached out to Bivvy regarding the denial and their false preexisting condition claim. They are now claiming the condition started in April of 2020 a full 11 months prior to when the initially claimed the condition first occurred. Regardless both claims are false. They seem to be throwing out dates to see what will stick and when I question their reasoning the change their story. SERIOSULY, stay away from this dishonest and shady company.
I was happy with this insurance and have been a customer for approximately 3 years. This year, my 7 year old goldendoodle had a injury to her back leg. Bivvy honored the contract, I met my deductible and had an easy reimbursement from Bivvy for their portion of the claim. One month later, I get a email saying they are dropping my dog for coverage for no reason. Now I can't get any other insurance on her because this would be a pre-existing condition. I would say, look elsewhere for your pet insurance.
I liked Bivvy while I had it. They paid the smaller claims when all I submitted was a receipt showing all the required info. But, when I submitted a larger claim, the receipt (3 pages with all required info) suddenly was not good enough and claim was denied. Bivvy stated they need a detailed invoice, which my vet does not use, and I was never required to have previously. I cancelled the policy the same day when I left a message with customer service... I did not receive a call back. Not worth the frustration.
I am saddened to write this review. Bivvy canceled our policy after we submitted several claims to them for our dog. She had a partial tear in her ACL. We took a holistic approach, purchased a brace, and took her to the vet for laser therapy and acupuncture. This saved Bivvy thousands of dollars they would have paid if we chose knee surgery for our dog. I was very delighted Bivvy covered the brace and treatments. But was very disappointed when they canceled Sadie's pet insurance. I recommend finding a more reliable pet insurance company with a long-term history of support for your fur babies. Sadie is now out of her brace and no longer needs treatments and her other knee has stayed strong and healthy.
*UPDATE* They have since reviewed the original claim and approved it after acknowledging the mistake on their end. Still unnecessarily stressful for me but glad they fixed the issue.They abuse the fine writing. My dog had a hip issue and they covered it. Issue happened again and needed surgery and they refused to cover it this time while claiming its a "pre-existing" condition although they covered the original accident. They are totally useless. Not worth it, get anyone else.
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Bivvy is pet insurance done right, at a price you can afford. Because Bivvy was created by pet owners who wanted a better option for themselves, it's designed to help us take care of our furry friends at the lowest cost for pet insurance. Protect your dog or cat just like so many others are doing with Bivvy. Plan details vary a bit by state, but it only costs $15/month or less! You can use Bivvy at any vet office: you choose where you go, and Bivvy reimburses you for covered events. Learn more at Bivvy.comSee more
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