Tailor your insurance to your needs (and get 3x rewards back too)
Add multiple pets
Get up to 10% off for additional dogs or cats. Add extra pets after becoming a cardmember
Up to 10% off
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.
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.
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.
Can’t say enough about this card, it saved my cat’s life. During my daughters birthday party, my cat swallowed a long piece of tinsel and he needed urgent surgery. Ended up getting back almost all of what we paid at the vet. More importantly, our cat’s life is back on track and he’s back to sleeping on his corner of our bed every night.*
Jaime
January 8, 2026
I initially wasn't sure about their credit card because I had never heard of the company or the issuing bank, but it is legit. And the pet insurance perk is great, plus rewards points for regular pet spending. And they seem to be on top of starting insurance claims for you after you've used the card at a vet.
Aaron
December 28, 2025
Nibbles was great about contacting us after our dog needed to be seen by the veterinarian when his toenail was torn off accidentally. We appreciated their prompt communication!
Roger
November 28, 2025
*Reimbursement varies based on deductible, coinsurance, and coverage limits.
Unlimited 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.
Vaccinations
Medications
Pet Food
Grooming
Training
Boarding
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 help you 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.
Helping pets is in our DNA
We care about pets so much we made Nibbles a Public Benefit Corporation, legally obligating us to make a positive public impact with our business.
Waiting periods are 0 days for accidents and 14 days for illness.
Orthopedic conditions for both dogs and cats are subject to the standard waiting period for injury or illness.
A waiting period is the amount of time you must wait before your pet's health coverage goes into effect and you can actively start using your policy.
Waiting periods are 1 days for accidents and 14 days for illness. The orthopedic waiting period is 30 days for dogs. For cats, the standard waiting periods for injuries and illness apply for orthopedic conditions.
What's covered
Plan Basics
Coinsurance 70%
Annual Deductible $950
Annual Limit $20,000
Accident coverage
Covers veterinary care for injuries caused by accidents, including exams, diagnostics, surgery, hospitalization, medications, imaging, and other necessary treatments.
Illness coverage
Covers diagnosis and treatment of illnesses, including conditions such as infections, digestive issues, and cancer.
Exam fees
Covers vet exam and office visit fees related to covered accidents and illnesses.
Surgery and hospitalization
Medically necessary surgeries related to covered accidents or illnesses.
Medications and therapeutic nutrition
Medications prescribed to treat a covered condition. Prescription food and supplements are covered for two months following diagnosis.
Microchip implantation
Microchip implantation performed by a veterinarian is covered up to $50. Registration or monitoring fees are not included.
Orthopedic care
Orthopedic treatments are covered for canines only after the waiting period, with reimbursement limited to 50% of the policy’s annual limit per policy period.
What's covered
Plan Basics
Coinsurance 70%
Annual Deductible $950
Annual Limit $20,000
Accident coverage
Covers veterinary care for injuries caused by accidents, including exams, diagnostics, surgery, hospitalization, medications, imaging, and other necessary treatments.
Illness coverage
Covers diagnosis and treatment of illnesses, including conditions such as infections, digestive issues, and cancer.
Exam fees
Covers vet exam and office visit fees related to covered accidents & illnesses.
Surgery and hospitalization
Medically necessary surgeries related to covered accidents or illnesses.
Medications
Reimbursement for ongoing medications, prescribed to treat a covered condition
Orthopedic care
Orthopedic treatments are covered for eligible injuries or illness.
Final Respects
Up to $250 to help with cremation or burial expenses if your pet passes away due to a covered condition.
What's not covered
Routine and preventive care
Pre-existing conditions
Cosmetic or elective procedures
Non-emergency dental work
Breeding, pregnancy, or birth expenses
Grooming, boarding, or training
Experimental or investigational treatments
Biohazard fees
Injuries related to racing, fighting, hunting, or guarding activities
This is not a complete list of exclusion, to view all details click here.
What's not covered
Routine and preventive care
Excludes routine care such as wellness exams, vaccinations, flea/tick prevention, spaying or neutering.
Pre-existing conditions
Conditions with clinical signs/symptoms prior to the policy start date or during waiting periods are excluded.
Cosmetic or elective procedures
Non-emergency dental work
Deciduous teeth removal, teeth cleanings
Breeding, pregnancy, or birth expenses
Grooming, boarding, or training
Experimental or investigational treatments
Biohazard fees
Injuries related to racing, fighting, hunting, or guarding activities
Any injury or illness caused by deliberate endangerment or commercial-use activities.
This is not a complete list of exclusion, to view all details click here.
Our policy coverage was recently updated. Coverage details may differ from policies issued before . If you are a already a cardmember, please sign in for your coverage.
Want more protection?
Customize your insurance plan with add-ons for lower deductibles, physical therapy, and more.
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
The average annual cost of pet insurance in the US according to NAPHIA is $750 for dogs and $386 for cats. 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 will also have exclusive offers and perks only for members in the near future. Nibbles is perfect for anyone who wants to streamline their pet expenses, earn rewards, and simplify managing pet healthcare. https://naphia.org/news/naphia-news/soi-report-2025/
We provide coverage for dogs and cats that are at least 7 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.
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 doesn’t qualify for coverage you can still become a Nibbles member and enjoy the exclusive benefits but without the pet insurance, however if you do get another pet please contact us and we can see if that pet qualifies for the included Nibbles coverage.
How soon can I start using my card?
After approval, you’ll receive your card in 5-7 business days. Digital access may be available sooner.
When can I start using my insurance benefit?
The insurance policy becomes active or “binds” 7 days after you activate your physical credit card, but can be bound at the time of card activation if you confirm your policy selections.
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.
