Our Verdict: The Short Answer
Bivvy pet insurance shut down. The company announced in 2023 that it would stop selling new policies, existing policies were non-renewed at their anniversary dates, and Bivvy is now out of business. There is nothing to buy, log into, or cancel. Bivvy’s own wind-down notice pointed customers to Spot Pet Insurance, and the most important thing former policyholders should know is that Spot and every other carrier treat them as brand-new customers: fresh waiting periods, and every condition treated under Bivvy counts as pre-existing.
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Key Takeaways
- Bivvy stopped selling pet insurance in 2023 and did not renew existing policies past their anniversary dates. The company, a TruStage (CUNA Mutual) brand underwritten by CUMIS Insurance Society, is out of business as a pet insurer, and its own site redirected shoppers to Spot Pet Insurance.
- Bivvy sold a flat $10-15 monthly premium for any pet regardless of age, size, or breed, with a $2,000 annual payout cap plus lifetime limits. The price was real and so was the cap, and the cap is why the model could not survive contact with actual veterinary bills.
- Former Bivvy policyholders start over at any new carrier: new waiting periods apply, and every condition your pet was treated for or showed symptoms of under the Bivvy policy is pre-existing to the next insurer. Spot’s welcome terms for Bivvy customers included a standard 14-day waiting period for exactly this reason.
- When replacing Bivvy, compare the three numbers its flat model hid: the deductible you pay first, the percentage reimbursed after it, and the annual maximum the plan will actually pay. A $2,000 cap and a $30,000 cap are different products wearing the same name.
- Compare pet insurance options
Bivvy Pet Insurance Shut Down: What Happened
If you searched for Bivvy pet insurance reviews expecting to compare an active product, the most important fact on this page is that there is no active product. Bivvy announced in 2023 that it was no longer opening new policies, telling visitors on its own site to check out Spot Pet Insurance instead. Existing customers received nonrenewal notices ahead of their policy anniversary dates, coverage ended on those dates, and Bivvy continued processing claims for treatment that happened before the cutoff. By 2025, reviewers like NerdWallet were describing the company plainly as out of business.
Bivvy wasn’t a fly-by-night operation. It launched out of the SafetyNet Innovation Lab at CUNA Mutual (now TruStage), was based in Madison, Wisconsin, and its policies were underwritten by CUMIS Insurance Society, an insurer with decades of history inside a financially strong group. The brand went from pilot to revenue in six months and reportedly produced $10 million in revenue in three years. The shutdown wasn’t a solvency collapse; per the wind-down notice on Spot’s transition page, the team simply could not grow the product line to the level it needed. Claims got paid through the end. The product just stopped existing.
What Bivvy Was, and Why the Model Didn’t Survive
Bivvy’s pitch was radical simplicity: one plan, a flat $10-15 per month for any pet regardless of age, size, gender, or breed, no premium increase for filing claims, and coverage that extended beyond dogs and cats to ferrets, lizards, turtles, goats, and other family pets most insurers won’t touch. Enrollment took minutes because there was nothing to configure.
The trade sat in the benefit: a $2,000 annual payout cap, with lifetime limits layered on top. That’s real protection against a mid-sized vet bill and roughly one-third of a single serious surgery.
Nine years of quoting policies taught me to distrust any insurance price that ignores age, because age is the single biggest driver of pet claims, and every carrier that survives files an age curve with its state insurance department to price it. Bivvy refused to rate on age, which is only possible if the benefit absorbs the risk the premium won’t. A $15 flat premium and a $2,000 cap are the same decision seen from two sides. When the premium can’t move, the benefit does, and when neither can move enough, the product winds down. That’s the honest lesson of Bivvy, and it applies to every “one low price for any pet” offer that comes after it.
If You Had a Bivvy Policy: Login, Cancellation, and What to Do Now
The service questions have short answers now. There is no Bivvy policy to cancel, because non-renewal already ended every policy at its anniversary date, and the customer portal wound down with the product. If you’re looking for proof of your old coverage, the documents that matter are the ones you hold: your declarations page (which shows your coverage dates) and any claim explanations of benefits. If you no longer have them, your own records and your vet’s records together establish your pet’s history.
The consequential part is what happens at your next carrier. Every insurer treats an incoming Bivvy customer as a new customer: full waiting periods apply from day one, and any condition your pet was treated for or showed symptoms of while insured with Bivvy is pre-existing under the new policy. Spot’s own welcome terms for transitioning Bivvy customers made this explicit, with a standard 14-day waiting period before new coverage started. That makes the gap between policies the expensive place for something to go wrong. If your pet is currently uninsured because Bivvy non-renewed, the strongest move is to get replacement coverage in place while your pet is symptom-free, and to request a copy of your pet’s complete medical records from your vet so the new carrier’s first-claim review goes quickly.
What to Get Instead of Bivvy
Bivvy’s own recommendation was Spot, which sells customizable accident and illness plans underwritten by United States Fire Insurance Company, a Crum & Forster affiliate. Spot is a reasonable candidate, and it shouldn’t be the only quote you pull, because the point of leaving a flat-price product is regaining the dials Bivvy removed.
Compare at least three carriers on the three pieces of claim math the flat model hid: the annual deductible you pay before coverage starts, the reimbursement percentage after it (70%, 80%, or 90% at most carriers), and the annual maximum the plan will pay, which now runs from $5,000 to unlimited depending on carrier and tier. Then read the pre-existing condition definition and the waiting periods, especially the orthopedic window, which ranges from 14 days to six months across the market. A former Bivvy customer whose pet developed any condition during the Bivvy years should weight the pre-existing definitions heaviest, since carriers differ meaningfully on whether resolved, curable conditions can regain coverage after a symptom-free period.
The best pet insurance guide compares the active carriers on exactly these mechanics, and the best pet insurance for dogs page breaks the decision down by breed risk. Whatever you pick, price the lifetime rather than the first year: most carriers raise rates 10-30% annually as pets age, which is the honest cost Bivvy’s flat price deferred into a $2,000 cap.
