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.
Included for eligible pets
The base insurance policy covers one eligible pet. Dogs must be between 6 weeks and 7 years old and cats must be between 6 weeks and 9 years old to qualify.
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 49% since late 2019 and 80% of pets will have a medical emergency in their lifetimes.
What does the base policy cover?
Waiting periods are 0 days for accidents, 14 days for illness, and 30 days for orthopedic conditions as of the policy start date. This coverage overview is for new customers with policies powered by Rainwalk. If you are already a cardmember your policy may be through Odie Pet Insurance. Review your policy document to confirm your provider.
- What's included
Plan Basics
Coinsurance 70%
Annual Deductible $950
Annual Limit $20,000
Accident coverage
Covers veterinary care for accidents your pet may experience, 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, with reimbursement limited to 50% of the policy's annual limit per policy period.
Want to know more? Check out a Sample Illness & Injury Policy
- 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 April 21, 2026. If you are a already a cardmember, please sign in for your coverage.
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 maximum amount insurance will reimburse you each year for eligible expenses
How it works:
The annual limit is the ceiling of how much insurance will cover each year for your pet.
Base plan:
$20,000 annual limit
Upgrade options:
None.
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 70% of covered procedures. Reimbursement happens once a claim is approved.
Base plan:
70% reimbursement rate
Upgrade options:
Increase your reimbursement rate to 80% or 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 towards eligible expenses before your insurance starts covering eligible expenses based on the reimbursement rate. Any costs you pay for eligible accidents and illnesses will count toward your deductible.
Base plan:
$950 annual deductible
Upgrade options:
Lower your deductible to as low as $100 so the reimbursement rate kicks in more quickly.
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 condition may be deemed pre-existing when your pet was already showing clinical signs and symptoms before the policy start date or during the waiting period. This also includes conditions for which your pet has received previous treatment or medical advice.
We review the past medical records to determine if any conditions are deemed pre-existing.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 (the past 24 months worth) to ensure accurate coverage determination.
Apply in minutes to protect your pet
- 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 included insurance depends on age, breed, gender, zip code, and other factors. Puppies and kittens need to be 6 or more weeks old at the time of applying. Dogs need to be under the age of 8 and cats need to be under the age of 10 at the time of enrollment.
Some pets can be ineligible for the built-in insurance benefit but eligible for paid pet insurance where you cover the premium. When applying, the eligibility pertains to the built-in base insurance.
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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 and reimbursed if necessary.
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 complimentary 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 complimentary or paid. We are happy to run a quote for your pet at support@nibbles.com.