I did a visit for my cat in August regarding separation anxiety he had. Then he got very sick in November, we did a few more visits and I EXPLICITLY asked if a video call was necessary for the emergency coverage fund and two different people said no because we were already physically at the vet’s office. When I submitted my claim for reimbursement, I was told we were denied because the August visit was, according to them, when he first presented with symptoms and we waited until November to have him seen, additionally we did not do the video call. My cat was diagnosed with FIP, had he had FIP in august he would’ve been dead by September so clearly the people they have do the chats don’t know how to do their jobs or the records I submitted would’ve shown that. Secondly, I was advised by two different team members that the video chat was not necessary for the emergency fund application even though I reiterated that the guidelines stated it was, they assured me I could still apply and be eligible.I’ve been paying for Pawp for over a year and spent $1,100 at the vet on the presumption that’d we be covered. This company is an absolute scam, they will come up with any & all excuses to deny a rightfully submitted claim. Would give 0 stars if possible.

I've received a PDF of my pet's health insurance policy, but I don't like that I have yet to receive a premium payment confirmation or an acknowledgement of how future premium payments will be handled (do they send a bill via email or postal mail?).

Fast efficient service very reliable and had a lot of knowledge.regsrding what u needed

Renews automatically without sending a reminder or a notice

It works great for the most part, the only complain I really have is that we can’t use it to get my pup spayed. Other than that it has a quick turn around time.

Too much information at one time. I insured 3 pets at one time.

Quick and easy. Easy to understand when and what is covered and when they would be starting.

Easy to sign up. Great coverage. Prices wonderful.

We’ve had Embrace insurance in our two dogs for 8 years. They had gotten out of control on their price. We signed up for $80/month for both dogs to $380/month for both. We found Bivvy and with their much lower prices and similar coverage, it made sense. Thanks Bivvy.

I started out looking for insurance only but was impressed with the wellness plan. The messaging prior to signing says vaccines and heart worm prevention is covered. What you don’t know until AFTER you sign is that the limit is split between prevention and other categories that I would not have chosen if I knew. It barely covers necessary vaccine and heart worm prevention. Then I found out you can cancel the insurance plan, but not the wellness plan once a payout has been made. So now I’m stuck paying $34 a month for services that I don’t even need. And all their friendly customer service goes out the window once you let them know you want to cancel. This is a bait and switch. Stay away. I regret signing up with this company.