Paws can't fill out claim forms

So we file the claims for you.

So we file the claims for you.

So we file the claims for you.

So we file the claims for you.

You tap. We file.

Once we have your pet's vet history, we can start filing your claims for you. You can always file a claim yourself too.

You tap. We file.

Once we have your pet's vet history, we can start filing your claims for you. You can always file a claim yourself too.

You tap. We file.

Once we have your pet's vet history, we can start filing your claims for you. You can always file a claim yourself too.

You tap. We file.

Once we have your pet's vet history, we can start filing your claims for you. You can always file a claim yourself too.

1

Tap at the vet

Pay with your Nibbles card and earn 3x rewards on the visit.

2

Share the details

Answer a few quick questions we email you after the visit. That's all we need to start filing.

3

We file the claim

We pull the vet records, prepare everything, and submit the claim to our insurance partner.

4

Get reimbursed

Once approved, you're reimbursed for eligible expenses above your deductible.

1

Tap at the vet

Pay with your Nibbles card and earn 3x rewards on the visit.

2

Share the details

Answer a few quick questions we email you after the visit. That's all we need to start filing.

3

We file the claim

We pull the vet records, prepare everything, and submit the claim to our insurance partner.

4

Get reimbursed

Once approved, you're reimbursed for eligible expenses above your deductible.

1

Tap at the vet

Pay with your Nibbles card and earn 3x rewards on the visit.

2

Share the details

Answer a few quick questions we email you after the visit. That's all we need to start filing.

3

We file the claim

We pull the vet records, prepare everything, and submit the claim to our insurance partner.

4

Get reimbursed

Once approved, you're reimbursed for eligible expenses above your deductible.

1

Tap at the vet

Pay with your Nibbles card and earn 3x rewards on the visit.

2

Share the details

Answer a few quick questions we email you after the visit. That's all we need to start filing.

3

We file the claim

We pull the vet records, prepare everything, and submit the claim to our insurance partner.

4

Get reimbursed

Once approved, you're reimbursed for eligible expenses above your deductible.

Get pre-qualified

Already a cardholder and forgot to use your card? You can still file a manual claim from your account dashboard or email support@nibbles.com.

Already a cardholder and forgot to use your card? You can still file a manual claim from your account dashboard or email support@nibbles.com.

Already a cardholder and forgot to use your card? You can still file a manual claim from your account dashboard or email support@nibbles.com.

Already a cardholder and forgot to use your card? You can still file a manual claim from your account dashboard or email support@nibbles.com.

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How Nibbles works

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Coverage and pricing vary by state. Pick yours to see what’s available.

Pet Insurance, Reimagined

Most pet insurance providers expect you to do the paperwork. We thought: what if you didn’t?

The old way

  • Save every receipt and itemized invoice
  • Track down medical records yourself
  • Fill out a multi-page claim form
  • Email or mail it in and hope it's complete
  • Wait weeks for a status update

The Nibbles way

  • Pay with your Nibbles card
  • Reply to a text message
  • Cuddle with your pet
First time filing a claim?

Why we need 12 months of vet history

Insurance covers new health problems, not ones your pet already had. So before your first claim, we and Kanguro review your pet's recent vet records to set a clear baseline. Having the last 12 months on file means your first claim moves faster, with no surprises later.

Is your pet over 1 year old?

Send us their last 12 months of vet records, and you're set. If there's a gap, like a recent adoption or a stretch without visits, schedule a wellness check so your pet has recent records on file. Without recent records, your first claim may not be covered.

Is your pet under 1 year old?

Upload whatever vet records you have through your dashboard. If your pet hasn't been to the vet yet, a quick wellness check establishes their health history. Without recent records, your first claim may not be covered.

If you’ve already joined Nibbles, your coverage may be serviced by a different provider. Odie policies require 18 months of medical records, while Rainwalk policies require 24 months.

Why we need 12 months of vet history

Insurance covers new health problems, not ones your pet already had. So before your first claim, we and Kanguro review your pet's recent vet records to set a clear baseline. Having the last 12 months on file means your first claim moves faster, with no surprises later.

Is your pet over 1 year old?

Send us their last 12 months of vet records, and you're set. If there's a gap, like a recent adoption or a stretch without visits, schedule a wellness check so your pet has recent records on file. Without recent records, your first claim may not be covered.

Is your pet under 1 year old?

Upload whatever vet records you have through your dashboard. If your pet hasn't been to the vet yet, a quick wellness check establishes their health history. Without recent records, your first claim may not be covered.

If you’ve already joined Nibbles, your coverage may be serviced by a different provider. Odie policies require 18 months of medical records, while Rainwalk policies require 24 months.

Why we need 18 months of vet history

Insurance covers new health problems, not ones your pet already had. So before your first claim, we and Odie Pet Insurance review your pet's recent vet records to set a clear baseline. Having the last 18 months on file means your first claim moves faster, with no surprises later.

If you’ve already joined Nibbles, your coverage may be serviced by a different provider. Rainwalk policies require 24 months of medical records, while Kanguro policies require 12 months.

Why we need 24 months of vet history

Insurance covers new health problems, not ones your pet already had. So before your first claim, we and Rainwalk review your pet's recent vet records to set a clear baseline. Having the last 24 months on file means your first claim moves faster, with no surprises later.

Is your pet over 2 years old?

Send us their last 24 months of vet records, and you're set. If there's a gap, like a recent adoption or a stretch without visits, schedule a wellness check so your pet has recent records on file. Without recent records, your first claim may not be covered.

Is your pet under 2 years old?

Upload whatever vet records you have through your dashboard. If your pet hasn't been to the vet yet, a quick wellness check establishes their health history. Without recent records, your first claim may not be covered.

If you’ve already joined Nibbles, your coverage may be serviced by a different provider. Odie policies require 18 months of medical records, while Kanguro policies require 12 months.

Frequently asked questions

  • Your pet is still covered. You'll just file a manual claim from your dashboard or by emailing support@nibbles.com — it's a couple of fields plus uploading your invoice. But remembering to use the card can streamline the process.
  • Pretty rare these days, but it happens. You can pay however you need to and then file a manual claim in the app. The reimbursement methods and timing are exactly the same.
  • Once your pet's insurance policy has been finalized and is active, any vet visit after that may be covered. You have up to 180 days after any vet visit to file the claim.
  • Once your pet's insurance policy has been finalized and is active, any vet visit after that may be covered. You have up to 90 days after any vet visit to file the claim.
  • Yes. Every document we request, receive, and submit is visible in your dashboard under the claim. Nothing happens behind a curtain.
  • We'll tell you exactly why, and your dashboard will show what the insurance partner saw. Some denials are appealable; we'll walk you through the appeal if it makes sense. The most common cause is a pre-existing condition that isn't covered.
  • Get a wellness check as soon as possible to establish your pet's health history. Without this, your first claim could be denied.
Support center

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Variable APR: US Prime + 17.74% (max of 29.99%)³