The team at bivvy could not continue to grow the bivvy product line to a level necessary to bring the type of product, service and cost expected by customers like you in the pet insurance market.

Your bivvy policy will end on your policy anniversary date, which is stated on your declaration page. bivvy will notify you of that non-renewal date and will continue to process any claims which happened and were treated before that date. Log in to your bivvy account here to see your policy information.

If you have multiple pets insured with bivvy, each pet’s policy will end on its respective policy anniversary date.

If you sign up for a Spot plan, you will be starting a new policy. Spot plans have a 14-day waiting period before coverage starts.

Pre-existing conditions are not covered under Spot plans. However, this doesn’t mean that a condition can’t be covered in the future if it is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered. You can learn more in a sample policy.

Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.

Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pet’s covered conditions.

You may use any licensed veterinarian in the US.

For a full list of terms and conditions, click here to view a sample policy.

Yes, you can add preventive care coverage to your policy for a little more cost. When you add preventive care coverage, you’ll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. You don’t have to satisfy your deductible before you can be reimbursed for preventive care coverage benefits, and there is no waiting period for them either.  Find more information on preventative care coverage here.

Plans provided by Spot offer a 30-day money-back guarantee, so feel free to take a look and see what a SPOT plan can do for you and your pet. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount.  The 30-day money-back guarantee is available if no claims have been covered.  It’s not available in NY or ME.

In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are: the plan you choose, your deductible, your reimbursement percentage, if you have included preventative care coverage or not, and the discounts for which you are eligible.