Pet insurance made easy
Coverage for your pet and your wallet
All from one credit card
Insurance built into the credit card
The Nibbles credit card has pet insurance included so your pet is protected. You don't have to use your card at the vet for coverage to work.
Free for eligible pets
The base insurance policy covers one eligible pet for free. Pets must be 7 or more weeks old to qualify. Additional pets extra.
Coverage at every vet
Visit any licensed veterinarian in the US. No network restrictions means you choose the best care for your pets.
Automated claims process
Use your card at the vet and you will get an email asking if you want us to start a claim. We can file your claim for you, unlike other providers.
Protect your pet from the unexpected
Vet costs have risen 60% in the last 10 years and 80% of pets will have a medical emergency in their lifetimes.
What does our free base policy cover?
Waiting periods in
are days for injury, days for illness, and days for a cruciate ligament event.
Waiting periods begin 48 hours after you are a cardmember or once you finalize your policy, whichever comes first.
- What the free pet insurance covers
Procedures
Emergency Tooth Extractions, Surgeries, Wound Care, ACL Tears, Organ or Heart Valve Transplants.
Illnesses
Diabetes, Cancer, Genetic Disorders, Breed Conditions, Hip Dysplasia, Digestive Problems.
Diagnostics
Laboratory Tests, Poison Control Consultation, MRI/CAT Scans, X-rays & Ultrasounds.
Medications
Injections and medications used at the veterinary office to treat your pet.
Accidents
Emergency Vet Treatments, Foreign Object Ingestion, Toxic Poisoning, Bites & Stings.
Supportive Care
Dental Disease & Fractures, Medical Supplies, Overnight Hospital Stays, Rehabilitative Care.
Want to know more? Check out a Sample Illness & Injury Policy
- What’s not covered for free
- Available as a policy add-on
Vet exam fees
Take-home prescriptions
Physical therapy
Preventative care (Wellness plan)
Reimbursement for teeth cleaning, vaccines, flea medication, & more
Pre-existing & waiting periods
Pre-existing conditions, issues that occur during a waiting period
Breeding & elective procedures
Breeding, pregnancy, or birth expenses; cosmetic or elective procedures
Miscellaneous, avoidable, or preventable issues
Non-emergency dental work, prescription food, biohazard fees
Want more protection?
Customize your insurance plan with add-ons for wellness care, higher limits, and more
How pet insurance works
Three key components determine how your pet insurance works
Annual Limit
The total amount insurance will reimburse you yearly for covered procedures.
How it works:
The annual limit is the ceiling of how much insurance will cover each year for your pet.
Base plan:
$10,000 annual limit
Does it apply to a wellness plan?
No, the wellness plan has other limits by covered preventive procedure that are separate from the annual limit for your accident and illness coverage.
Upgrade options:
Increase your annual limit to $25K or $40K per year to be prepared for most anything that comes your pet’s way. We do not currently offer an unlimited annual limit plan.
Reimbursement Rate
The percentage of covered costs insurance pays after your deductible
How it works:
Once you pay your deductible, the insurance coverage will reimburse 80% of covered procedures. Reimbursement happens once a claim is approved and a check is sent by mail to your home address on file.
Base plan:
80% reimbursement rate
Does it apply to a wellness plan?
The wellness plan is a reimbursement plan where you are reimbursed up to a certain flat amount for covered preventive services and procedures rather than at a % rate like with the general accident and illness insurance coverage.
Upgrade options:
Increase your reimbursement rate to 90% for lower out of pocket costs for any covered expense.
Deductible
The amount you pay out-of-pocket before insurance kicks in each year
How it works:
You pay this amount annually before your insurance starts covering eligible expenses. For example, with a covered $5K bill, the reimbursement rate is calculated first (80%, $4,000) off the full amount with the deductible taken from the reimbursable amount ($4,000 - $500), then insurance covers the rest ($3,500). Your out of pocket here would be $1,500 (20% of the $5K + $500 deductible).
Base plan:
$500 annual deductible
Does it apply to a wellness plan?
The deductible does not apply to the optional wellness plan add-on, which has separate coverage terms.
Upgrade options:
Lower your deductible to $250 or $100 for faster coverage at a higher monthly premium.
Understanding pre-existing conditions
Most pet insurances exclude pre-existing conditions. So it’s important to insure your pet as early as possible before a condition occurs.
What is a pre-existing condition?
A pre-existing condition is any injury, illness, or condition that occurred or showed symptoms before your coverage began or during waiting periods.
We primarily look at the past 18 months to determine if any conditions are deemed pre-existing.Chronic & bilateral conditions
Any chronic, bilateral, or intervertebral disc conditions at any time in your pet's medical history would be deemed pre-existing as well.
Examples include diabetes, arthritis, or hip dysplasia diagnosed before coverage.
Why waiting periods matter
Issues that occur during waiting periods are also considered pre-existing. This protects against enrolling pets only after they become sick or injured.
Medical records review
When filing a claim, we will request your pet’s medical records to ensure accurate coverage determination and protect all policy holders.
Protect your pet for free in minutes
- 1
Pet info
Answer a few questions about your furry friend (or friends)
- 2
Personal info
Tell us more about you to get pre-qualified
- 3
Review and accept
See your offer and accept it to get the card
Frequently Asked Questions
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Pet eligibility for the free insurance depends on age, breed, gender, zip code, and other factors. Puppies and kittens need to be 7 or more weeks old at the time of applying.
Some pets can be ineligible for the free insurance but eligible for paid pet insurance where you cover the premium. When applying, the eligibility pertains to the free insurance.
Pets currently with conditions like Addison's disease, Cushing's disease, Diabetes, Cancer (mast cell disease), Feline Leukemia Virus (FELV), and Feline Immunodeficiency (FIV) are not eligible for any insurance (paid or free).
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- If you use the Nibbles card at the vet, we will see the transaction come through and send you an email asking if you would like us to file the claim for you. All you have to do is reply with “yes” and a brief sentence describing what happened.
- We will work with our insurance partner to get all of the appropriate documents over to them and to get the claim filed as quickly as possible.
- You will be informed when a decision has been made on your claim.
If you are reimbursed, we currently offer reimbursement by mailed check directly from our insurance partner, Odie, to your address on file with us.
If you do not use your Nibbles card at the vet, your pet is still covered! However, you will have to file a manual claim through the account dashboard or via support@nibbles.com to initiate that process.
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Additional pets can be added on at an extra cost after you become a cardmember and receive up to a 5% discount on the premium. If you would like a quote for your whole pet family before applying, you can send us a note at support@nibbles.com.
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If your pet is ineligible for the free 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 free or paid. We are happy to run a quote for your pet at support@nibbles.com.