Choose your state below to see coverage that is available in your area.
Add-on and provider vary by state
Included base policy benefits for • Premium paid by Nibbles for one pet1
Reimbursement Rate
80% of eligible covered expenses after meeting the deductible
Annual Deductible
$700 each year
Annual Limit
Up to $10,000 in coverage for your pet each year
Pet insurance for accidents
Our policy coverage was recently updated. Coverage details may differ based on provider and sign up date. If you are already a cardmember, please sign in for your coverage overview.
Included base policy benefits for • Premium paid by Nibbles for one pet1
Reimbursement Rate
80% of eligible covered expenses after meeting the deductible
Annual Deductible
$700 each year
Annual Limit
Up to $10,000 in coverage for your pet each year
Pet insurance for accidents
Our policy coverage was recently updated. Coverage details may differ based on provider and sign up date. If you are already a cardmember, please sign in for your coverage overview.
Included base policy benefits for • Premium paid by Nibbles for one pet1
Reimbursement Rate
70% of eligible covered expenses after meeting the deductible
Annual Deductible
$950 each year
Annual Limit
Up to $20,000 in coverage for your pet each year
Pet insurance for accidents & illness
Our policy coverage was recently updated. Coverage details may differ based on provider and sign up date. If you are already a cardmember, please sign in for your coverage overview.
Included base policy benefits for • Premium paid by Nibbles for one pet1
Reimbursement Rate
70% of eligible covered expenses after meeting the deductible
Annual Deductible
$950 each year
Annual Limit
Up to $20,000 in coverage for your pet each year
Pet insurance for accidents & illness
Our policy coverage was recently updated. Coverage details may differ based on provider and sign up date. If you are already a cardmember, please sign in for your coverage overview.
Nibbles isn’t available in
your state
yet
We’re expanding to new states. If you’re somewhere we already serve,
switch your state above to see your coverage.
Tailor your insurance to your needs (and get 3x rewards back too).
Want more for your pet?
Tailor your insurance to your needs (and get 3x rewards back too).
Want more for your pet?
Tailor your insurance to your needs (and get 3x rewards back too).
Want more for your pet?
Tailor your insurance to your needs (and get 3x rewards back too).
Up to 5% off
Add multiple pets
Get up to 5% off for additional dogs or cats. Add extra pets after becoming a cardmember.
Prescription Care
Adds coverage for eligible prescription drugs and prescribed supplements.
Enhanced Care
Provides comprehensive prescription and illness protection.
Complete Care
Adds illness, prescription and wellness coverage.
Up to 5% off
Add multiple pets
Get up to 5% off for additional dogs or cats. Add extra pets after becoming a cardmember.
Prescription Care
Adds coverage for eligible prescription drugs and prescribed supplements.
Enhanced Care
Provides comprehensive prescription and illness protection.
Early years care
Adds illness, prescription and wellness coverage for pets under 3 years old.
Complete Care
Adds illness, prescription and wellness coverage.
Up to 10% off
Add multiple pets
Get up to 10% off for additional dogs or cats. Add extra pets after becoming a cardmember.
Exam fee package
Ideal for pet parents who want more expert reassurance, especially in their first year of pet ownership. This power up provides coverage for examinations that don't lead to an accident or illness diagnosis.
Vaccination endorsement
Provides reimbursement up to a $100 annual limit per policy term for eligible vaccinations for dogs and cats when administered by a licensed veterinarian. Eligible vaccinations are defined in the policy. Coverage is subject to reimbursement percentage and any applicable frequency limitations described in the policy.
Boarding, holiday cancellation and lost pet advertising package
Power ups coverage for non-medical emergency pet expenditures such as boarding when a pet parent has a personal medical emergency, an advertising and reward benefit if a pet goes missing, and reimbursement for lost deposits on pet services due to an emergency trip cancellation.
Holistic and alternative treatment package
Power ups coverage to include alternative treatments when prescribed by a veterinarian: Acupuncture, Chiropractic, Homeopathy, Hydrotherapy, Naturopathy, Physical therapy, and Rehabilitative therapy.
Up to 10% off
Add multiple pets
Get up to 10% off for additional dogs or cats. Add extra pets after becoming a cardmember.
Exam fee package
Ideal for pet parents who want more expert reassurance, especially in their first year of pet ownership. This power up provides coverage for examinations that don't lead to an accident or illness diagnosis.
Vaccination endorsement
Provides reimbursement up to a $100 annual limit per policy term for eligible vaccinations for dogs and cats when administered by a licensed veterinarian. Eligible vaccinations are defined in the policy. Coverage is subject to reimbursement percentage and any applicable frequency limitations described in the policy.
Boarding, holiday cancellation and lost pet advertising package
Power ups coverage for non-medical emergency pet expenditures such as boarding when a pet parent has a personal medical emergency, an advertising and reward benefit if a pet goes missing, and reimbursement for lost deposits on pet services due to an emergency trip cancellation.
Holistic and alternative treatment package
Power ups coverage to include alternative treatments when prescribed by a veterinarian: Acupuncture, Chiropractic, Homeopathy, Hydrotherapy, Naturopathy, Physical therapy, and Rehabilitative therapy.
3x rewards on pet stores, pet services, and at any licensed vet. Get 3x rewards on the full cost of your vet visit too, not just the cost after insurance. You also get 1x rewards anywhere Mastercard is accepted, like on gas and clothing.
I have to admit I was skeptical about the "dog health insurance" but to my surprise it worked. I'm blown away by it. Have to admit the first submission was a bit tricky for this old brain but in the end worked out great. Thank you, thank you. You have no idea how this helped.
Penny
May 2, 2026
I think this is a good card for insurance, and the rewards points on pet related expenses are a bonus. I paid for extra coverage on my pup, and made a claim about 2 months after having the card. It took a few months to get the claim approved, because I didn't have all of her vet records together, but I just got an email they are sending me a check for the insured portion. I think it's a good deal.
Sydney R
April 7, 2026
Great way to obtain pet insurance rather than miles or points you may never use. So far giving 5 stars. Have not needed insurance and keeping my old company as a back up. If you have a puppy would get this card in a minute. A little waiting period for older dogs and you can purchase additional coverage at nominal cost.
Lisa C
April 29, 2026
Paws can't fill out forms, so we'll file the claims for your pet.
1
Tap... and you’re done!
Pay with your Nibbles card at the vet.
2
We file
Leave this to us. We’ll reach out if our insurance partner needs anything and keep you updated.
3
You get reimbursed
Sit back, relax, and get paid back.
Paws can't fill out forms, so we'll file the claims for your pet.
1
Tap... and you’re done!
Pay with your Nibbles card at the vet.
2
We file
Leave this to us. We’ll reach out if our insurance partner needs anything and keep you updated.
3
You get reimbursed
Sit back, relax, and get paid back.
Paws can't fill out forms, so we'll file the claims for your pet.
1
Tap... and you’re done!
Pay with your Nibbles card at the vet.
2
We file
Leave this to us. We’ll reach out if our insurance partner needs anything and keep you updated.
3
You get reimbursed
Sit back, relax, and get paid back.
Paws can't fill out forms, so we'll file the claims for your pet.
1
Tap... and you’re done!
Pay with your Nibbles card at the vet.
2
We file
Leave this to us. We’ll reach out if our insurance partner needs anything and keep you updated.
The Nibbles card is a first-of-its-kind credit card designed for pet owners, offering financial flexibility along with built-in pet insurance and exclusive perks and discounts.
What is Nibbles the company?
Nibbles is a public benefit company focused on building and providing products and services that make pet ownership easier, improve the lives of pets, and make loving your pet as simple as it should be. Learn more
With Nibbles, pet insurance is built-in to the credit card as an added benefit. You also get 3x rewards on pet stores, pet services, and at any licensed vet. Nibbles also has exclusive offers and perks only for cardmembers. Nibbles is perfect for anyone who wants to streamline their pet expenses, earn rewards, and simplify managing pet healthcare.
We provide coverage for dogs and cats that are at least 6 weeks old. This ensures that your young pets can start benefiting from our services as soon as they reach a safe and healthy age. Dogs must also be under 8 years old and cats must be under 10 years old at the time of enrollment.
We provide coverage for dogs and cats that are at least 6 weeks old. This ensures that your young pets can start benefiting from our services as soon as they reach a safe and healthy age.
You can visit any licensed vet in the US; reimbursement subject to policy terms. Pay with your card and file a claim through our dashboard or we can automatically file the claim for you.
What rewards can I earn with Nibbles?
Earn 3x rewards on eligible pet purchases at pet stores, on pet services and at any licensed vet. You also get 1x rewards (1 point = $0.01) on everything else, wherever Mastercard is accepted. Rewards can be redeemed for statement credits currently, but redemption options change frequently so there are more options coming. Card members can view more details in their member portal.
Is there a cap on how many points I can earn?
No, there’s no limit to your earning potential!
What other benefits does Nibbles offer?
In addition to rewards, Nibbles gives you access to exclusive pet services, partner discounts, and a seamless insurance claim process. The Nibbles card is a World Mastercard Program and has added benefits (subject to change).
What are the interest rates and fees?
The Nibbles Rewards Credit Card has no annual fee. The variable APR is based on the U.S. Prime Rate + 17.74% (currently 24.49%) and is subject to change (max 29.99%).
Who can qualify for the Nibbles card?
Start with a quick pre-qualification check that won’t impact your credit score. Eligibility is determined based on factors like your credit profile and having a qualifying cat or dog.
What’s the application process like?
You can apply online in minutes with a secure application process. We first get a little information about your pet and you, we check your eligibility through a no impact credit check before proceeding with a full credit pull.
What happens if I’m not approved for the card?
If you don’t qualify, you’ll receive an email with more information.
What happens if my pet is ineligible for coverage?
If your pet is ineligible for the included insurance, you can still apply for the credit card and get 3x rewards on pet purchases. Your pet could still qualify for insurance coverage, but that would be at an extra cost where you would cover the full premium. Some pets unfortunately may not qualify at all for our insurance coverage, either included or paid. We are happy to run a quote for your pet at support@nibbles.com.
What happens if my pet is ineligible for coverage?
If your pet is ineligible for the included insurance currently, you can still apply for the credit card and add your pet once they are older than 6 weeks old.
How soon can I start using my card?
After approval, you’ll receive your card in 1-3 weeks. Digital access may be available sooner.
How do I activate my card and start earning rewards?
Activate your card online, upload vet records for your pet, set up your account preferences, and start earning rewards on your pet expenses right away.
