They will deny your $3,000 emergency fund claim if you go to the vet before the video chat. It does not matter whether your pet is dying; they want you to do the video chat and not go to the vet or they will deny your claim. Their definition of "life threatening" emergency is so ambiguous that it is always subject to their discretion. They're always finding a way to deny you.

Reply from Bivvy Pet Insurance

Horrible company!!! Stay away.

You guys were so nice and helped me to pick you for my coverage! I’m very happy with my policy!! Thank you!!?♥️👍♥️⭐️😻

I submitted a claim to Bivvy for a skin infection my dog had and it was denied. The allergy that my dog had is a precious condition. The infection , the reason for the visit to the vet, was NOT a preexisting condition and that part of the visit should have been covered. I am not sure if I will stay with this company. Not a great experience so far.

Edit based on their reply: the policies state that the benefits are limited to one emergency event per year, as I quoted in my email. When someone is transferred from a small town hospital, to a big city, they are never discharged, they are transferred for continued care. Exactly what the case was with my dog. Had he gone to the emergency clinic originally, all of the funds would’ve been made available since my bill there was almost $4k, but since he was taken to the closest place possible, I’m left with the entire bill because Pawp makes up rules as they go.

FAKE STUFF. LIES!

If I was able to post negative stars I would. Some time back my cat was very ill when I came home from work. I called and they said it could wait until the next day. By morning he was extremely sick. I took off work and took him to the vet and the vet said there was nothing he could do and that he had to be put to sleep. The vet stated that had I brought him in the night before he would have had a chance.

I never received my policy documents. Email you guys and was told I should have received them with the welcome email. The only mail I received was a survey to rate you guys. I checked my spam folder, and junk mail and It was not there but k did receive the

this is about the payment method. on my regular account i got scammed and my bank closed the account temporarily. i tried to make my monthly payment which pawp says the accept prepaid cards but they wont accept mine because its not linked to an account number. so in other words i tried to fulfill my monthly dues and they refuse to accept it. very disappointed d frustrated because now ill they will cancel me .