Notice to California Residents | Nibbles Disclosure

Insurer Disclosure of Important Policy Provisions

Insurer Disclosure of Important Policy Provisions


The policy excludes Preexisting Conditions and Chronic Conditions. Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Waiting Period

The policy contains a 14 day waiting period for illnesses, a 3 day waiting period for injuries, and a 6 month waiting period for any Cruciate Ligament Events.

Deductible, Co-Insurance, and Annual Policy Limit

The coverages provided by the policy are subject to the application of your chosen co-insurance, minus your deductible, and up to the annual limit of your policy. The deductible is on an annual basis, meaning it must be satisfied only once per policy year and will reset on the annual anniversary date of your policy.

Insured’s Claim History

Your coverage will not be reduced based on your pet’s claim history, nor will premium be increased based on your pet’s claim history.

Claim Payments

Claim payments are based on your actual veterinary bill, and are subject to the application of your chosen co-insurance, and minus your remaining annual deductible. Below is an example:

($1,200Covered accident or injury
x 90%)Your reimbursement percentage after 10% co-insurance
-$250Remaining annual deductible
$830Reimbursement Amount

Routine Care/Routine Care Plus Maximum Allowable Limits

Supplemental Benefit ScheduleRoutine CareRoutine Care Plus
Spay/Neuter – Teeth Cleaning$0$150
Rabies Vaccination$15$15
Flea/Tick Prevention$50$65
Heartworm Prevention$30$30
Wellness Exam$50$50
Heartworm test or FELV screen$25$30
Blood, fecal, parasite exam$50$70
Urinalysis or ERD$15$25
Total Reimbursements$305$535


  • “Chronic condition” means a condition that can be treated or managed, but not cured.
  • “Pet insurance” means an individual or group insurance policy that provides coverage for veterinary expenses.
  • “Preexisting condition” means any condition for which a veterinarian provided medical advice, the pet received treatment for, or the pet displayed signs or symptoms consistent with the stated condition prior to the effective date of a pet insurance policy or during any waiting period.
  • “Veterinarian” means an individual who holds a valid license to practice veterinary medicine from the Veterinary Medical Board pursuant to Chapter 11 (commencing with Section 4800 ) of Division 2 of the Business and Professions Code or other appropriate licensing entity in the jurisdiction in which he or she practices.
  • “Veterinary expenses” means the costs associated with medical advice, diagnosis, care, or treatment provided by a veterinarian, including, but not limited to, the cost of drugs prescribed by a veterinarian.
  • “Waiting or affiliation period” means the period of time specified in a pet insurance policy that is required to transpire before some or all of the coverage in the policy can begin.

Please refer to your Policy including all applicable endorsements carefully for the complete coverage details.