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Spot vs Bivvy: Pet Insurance Plan Comparison

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Bivvy Plans Vs. Spot Pet Insurance Plans Comparison

Pet insurance is an excellent way to help ensure you can care for your pet when they need it, how they need it. 

There’s a wide range of options available, which can often feel overwhelming for those new to the pet insurance world.

At Spot Pet Insurance, we’re here to help. 

Today, we’re comparing Bivvy pet insurance plans to Spot Pet Insurance plan options. 

Types of Plans: 

One of the first factors potential policyholders consider is what plans are offered. 

The core type of plan which many insurance providers offer is accident and illness plans. These plans cover a variety of needs, while some providers (such as Spot) also offer Accident-only plans..  With plans provided by Spot, you can choose your annual deductible amount, reimbursement rate, and annual limit.

Having options when it comes to the pet insurance policy you choose can be the key to finding the right fit for you. Every pet family has different needs. You should be able to choose what’s best in your situation.

All Bivvy pet insurance plans are accidents and illness plans. Plans provided by Bivvy are limited to a single option for your deductible, annual limit, and reimbursement rate.

Costs 

All base plans offered by Bivvy cost the same for everyone, and all of the base plans have the same coverage.

When enrolling in a plan provided by Spot, you get to customize your plan and choose your coverage options, so you can find a plan with a premium that works for you.

Reimbursement Rates, Deductibles, and Annual Limits

All plans provided by Bivvy have a 50% reimbursement rate.

With plans provided by Spot, you have the option to choose either a 70%, 80%, or 90% reimbursement rate.

All plans provided by Bivvy have a $100 deductible per approved claim.

With plans provided by Spot, deductibles are annual.  So you only need to satisfy your deductible once per policy year.  You have the option to choose your deductible amount.

All plans provided by Bivvy have a $2000 annual limit.  Bivvy plans also have a $25,000 lifetime limit in place for each pet.

With plans provided by Spot, there is not lifetime limit.  You can choose your annual limit, and there is an unlimited annual limit option.

Microchip Implantation CoverageWith plans provided by Bivvy, you’ll need to purchase an additional wellness plan for microchip coverage. Base plans provided by Spot Pet Insurance include microchip implantation coverage. 

Insurance Plan Coverages

Preventive
Care

Exam Fees

30-Day Money Back
Guarantee

Prescription
Foods

Microchip

Bivvy

/ Included Not included or some inclusions

Comparison information is provided using publicly available information as of 10/26/2022 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing service@customer.spotpetins.com.

happy dog hearts

Kitten and Puppy Accident
& Illness Insurance Plan

Multi Pet Discounts

At Spot Pet, we’re big believers that more does equal merrier! We also recognize it often means more costs for pet care.

We’re glad to offer plans with a 10 percent multi-pet discount for all additional pets. 

There are no multi pet discounts for plans provided by Bivvy.

Conclusion

Finding the perfect pet insurance plan for you can be easy. 

Get a quote today to see if a Spot Pet Insurance plan could be right for you! 

Competitor comparison information:

Comparison information is provided using publicly available information as of 3/24/22 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing service@customer.spotpetins.com.

Sources:

The Impact of Pet Health Insurance on Dog Owners’ Spending for Veterinary Services | National Library of Medicine

Microchipping Your Dog or Cat | WebMD

Your Complete Guide to First-Year Puppy Vaccinations | AKC 

*Discount applies to lower premiums.
** Not available in New York. Must have not filed any claims within the 30 day period to be eligible for money back.