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

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.

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.

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

FAKE STUFF. LIES!

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.

Horrible company!!! Stay away.

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

Total and absolute waste of money . Open a bank account for your pet and divert £50 a month in there instead. I started pet plan at £35pm ten years later it’s £102pm. Pet plan DOES’NT cover anything. Nothing but emergency life or death care . Every time I go to the vet I pay from pocket £350 for this infection £750 for teeth removal / dental care, injections/ shots, check up and petplan doesn’t cover anything . The one time it did was 8 years ago when my dog got hepatitis and then your limit of coverage is a MEAR £4000 that equated to 4 nights in the pet hospital and some analysis. After 4 nights of paying extortionate fees for my dog to sleep in a cage at the pet hospital I was told she needed a £2000 scan but the mere useless pathetic pet plan coverage allowance is limited at £4000 these costs covered ONLY SLEEPING at the hospital AND MONITORING AND POOF IT WAS ALL GONE . No operations no medications nothing. Petplan would not come even a FRACTION close to covering for operations or any real issues . The coverage that Pet plan covers your pet equates to your pet getting a £4000 plaster but will be far far far close from covering any real sickness. And for this pittance of a payout I now pay £102 every month . My dog was given back to me after the £4000 was used up in 4 days and I was told there was nothing more they could do unless we were ready to spend additional thousands out of pocket . We don’t have that money . We took our dog and left making plans for her to die. I decided to Google for help and found a high protein diet can essentially encourage the liver to mend and so I ( not the vet not petplans stingy payouts) saved my dogs life . She is still alive by the care and actions I took without the help of any scam insurance company like Petplan . A years fees, 12 months at £102 pm equates to £1,224 times this by ten years is £12,240 I spent to get £4000 coverage . Pet plan makes no sense . They jack up the prices yearly and cover nothing apart from a fraction of the cost if you are in need. Get a bank account for your pet and put in £50 a month and then that money will be yours to keep if your pet stays well . I will NEVER NEVER NEVER USE PET INSURANCE AGAIN . What an absolute SCAM . They are into profiteering from the sick animals.