We had a medical emergency with our cat, and I followed the instructions as to having the video call with the Pawp vet. That vet told me during that chat to take him to the vet ASAP, due to his symptoms and we did. Pawp then refused to cover any of it. I understand perhaps not covering some parts, but having spent 20 a month for multiple months, then following the instructions exactly as they are in the terms, and being outright denied coverage feels like straight up theft.

The cost of my insurance has gone from about 500 the first year to 1200 this year. They say this is bc of the area and breed of dog I have... Seems like an easy way to just increase prices! I also noted a fraudulent charge on my credit card from them and NO ONE has followed up. Do yourself a favor and choose another company. Their customer support is very rude and unhelpful. I hope this review saves 1 person and their pet from this awful company.

Awful company who scams.

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 was charged an annual deductible twice in one year. within a month of each other. also, the amount uncovered made no sense as my dog did not have a preexisting condition.

I specifically asked them if they would cover my dog for any accidents after he had a surgery over 18 months ago and was assures they would. After I signed on with them, they changed their minds. Don't buy in to their sales.

This company has rejected every claim we have filed. If not one cent of our vet bills are considered "covered" by Prudent after a year then paying for this insurance is POINTLESS!

Hi There,

Worst insurance for pets. I have paid out thousands in vet bills and they found a reason to not cover then they cancelled both of my pets coverage when I requested they only cancel the deceased pets policy and when I asked to reinstate they said my pet needed to go thru the approval process again. My dogs a senior so they knew what they were doing when they canceled her policy.

I sincerely appreciate the value and savings we experienced. The process left something to be desired.