This company will decline to pay for your pet's medical bill if you do not make time for a video chat with one of their remote veterinarians prior to taking your dog to the emergency room. In real emergencies, like the one I had with my dog last week, this is often difficult due to not having the time to wait in the virtual lobby. My dog injested a toxic substance while out on a walk, and by the time we were home from the walk, she was suffering from severe ataxia (inability to balance / walk) and her heart rate was dangerously low. We rushed her to the nearest animal emergency room where she was triaged and hospitalized, at which point I contacted Pawp. We were told by the agent we chatted with that it was good we had taken her directly to the ER, and given forms to submit our claim. Days later (today), I get an email saying our claim has been denied because we didn't submit to the video chat with a vet. I tried to explain that it was a medical emergency, and asked if there was a phone number to call, but they do not offer phone customer service (a red flag for an insurance company - I assume they deny more claims than they accept and thus don't want a phone number available for folks to call in and complain about that). TL;DR: This company stole my money in the form of membership fees for a service they ultimately declined to provide. I do not recommend it. I ended up paying my vet bill in full out of pocket. I'm lucky I was able to do that, considering the pet insurance we purchased from Pawp was not set up for emergency use.

I am really a 3.5 review. I had several questions not answered in the materials available to me. Even after calling I still was hesitant about what was covered. However, I was running out of time because the vet visit and the 24-hour window was closing. Everything turned out ok although I haven't yet received my reimbursement.

For all pet owners with Bivvy, please know that it is going to be best if your pet gets injured for you to encourage the vet to keep your pet for as long as possible. I was able to speak with the claims department manager and it really helped clear things up! So if your pet is injured, bivvy will cover the cost of the bill, but it needs to be in the same bill. If you take your pet home and then go in for more medication or another check up related to the same injury, that is not covered. So while our pets would probably have less stress and anxiety being at home, it will save you tons of money in the end if you just keep your pet at the vet and let your animal not only be in pain from the injury, but also increase their stress level. But think of all the money you can save in the end! Thank you for the excellent customer service Bivvy! I had healthy paws prior to this and they used to personally call me and check in with me if my pet ever had anything happen. I asked Bivvy if they do this because all they have time to do is tell me my claim was denied. Bivvy did confirm they do not reach out and ask about someones pet.

I found it quite hard to download & print my policy. I still don’t have it.

I still don’t have log in or email confirmation that the policy was created. If this is the way the insurance works, I don’t want it

I as asked to sign some documents in the app, but the app does accept or find my account number, I haven't been able to do so, I'm waiting to be contacted by the I charged person to solve the situation.

I thought my dog was covered immediately.

Had them and am currently being sued because of there 3rd party adjustor, out of San Antonio, Texas, The Littleton Group a Davies Company

None

They don’t pay their claims. They make excuses why they can’t pay the claims until they finally say “well you’re no longer a member so we’re never going to pay your claim now. They waited right up till the last hours of June to request records from a past vet. If you don’t continue paying 80 bucks a month while they keep thinking about things they will refuse to pay for anything at all. They didn’t even pay the wellness visit which I had extra payment on. Very disappointing and I would not recommend it to anybody at all