Add-on and provider vary by state
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 pet 6 weeks or older, there is no maximum age limit for the base accident policy in .
Coverage at every vet
Visit any licensed veterinarian in the US. No network restrictions means you choose the best care for your pets.
Hassle-free 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.
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 pet 6 weeks or older, there is no maximum age limit for the base accident policy in .
Coverage at every vet
Visit any licensed veterinarian in the US. No network restrictions means you choose the best care for your pets.
Hassle-free 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.
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.
Hassle-free 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.
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.
Hassle-free 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.
Nibbles isn’t available in your state yet
We’re expanding to new states. If you’re somewhere we already serve, switch your state above to see your coverage.
Tell us where you are
Coverage and pricing vary by state. Pick yours to see what’s available.
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 accident policy cover in ?
This overview is for new customers. New policies in are powered by . If you've already joined Nibbles, your coverage may be through a different provider, sign in to confirm.
What the base policy covers
Plan Basics
Reimbursement Rate 80%
Annual Deductible $700
Annual Limit $10,000
Accident coverage
Such as road Accidents or poisoning, animal bites or ingestion of foreign bodies that result in unintended Injury, broken bones, dental fractures and sprains.
Diagnostics
Such as physical examinations, blood tests, urinalysis, x-rays, MRIs, lab work, CT scans, and ultrasounds.
Procedures
Procedures such as outpatient, specialty and emergency care required, hospitalization.
Prosthetics & devices
Medically necessary prosthetic limbs, devices, and mobility aids.
Exams
Veterinarian exam fees including emergency room, cancer treatments and surgery.
Medications
Vet administered medications and medical supplies such as injections.
Prescription food
Prescription food and supplements for medically necessary reasons.
Endodontic treatment
Endodontic treatment for dental Injuries deemed medically necessary.
End-of-life care
Euthanasia where deemed necessary for humane reasons and cremation costs.
To view a sample policy, click here.
Coverage applies only when incurred as a result of an accident.
What’s not covered
Available as a policy add-on
Illnesses
Such as infections and symptoms of sickness like vomiting or diarrhea.
Prescriptions
Coverage for eligible prescription drugs and prescribed supplements.
Preventive & wellness care
Reimbursement for vaccines, bloodwork, & more.
Pre-Existing Conditions
Conditions or Illnesses that existed before the policy's start date or during a waiting period.
Routine Dental Care
Any type of dental care which is regular care required to maintain dental hygiene.
Preventable Situations and Neglect
Injury or Illness caused by neglect. You must provide Your pet with preventive care including vaccinations, flea and tick control, heartworm, deworming, nail trimming, grooming, and make sure he or she remains in good health.
Non-Accident issues
Elective cosmetic procedures, grooming and nail trims, anal gland expression, spaying and neutering, conditions relating to breeding, commercial guarding, herding, or participating in a sport activity.
Alternative and Experimental Treatments
Medicines such as aromatherapy, massage, herbal remedies, CBD oil, cloned or genetically modified animals, or participation in clinical trials.
Congenital conditions
Condition that is present from birth, whether inherited or caused by the environment.
Other pets and pet parents
This Policy covers only your pet and can't be transferred to other pets.
This is not a complete list of exclusions, to view a sample policy click here.
Our policy coverage was recently updated. Coverage details may differ based on provider and sign up date. If you are already a cardmember, please sign in for your coverage overview.
In there is a 3 day waiting period for accidents, 14 days waiting period for illnesses, and 180 days for cruciate ligaments.
Want more protection?
Customize your pet insurance plan with add-ons for illnesses, wellness, and more.
What does the base accident policy cover in ?
This overview is for new customers. New policies in are powered by . If you've already joined Nibbles, your coverage may be through a different provider, sign in to confirm.
What the base policy covers
Plan Basics
Reimbursement Rate 80%
Annual Deductible $700
Annual Limit $10,000
Accident coverage
Such as unintended road Accidents or poisoning, animal bites or ingestion of foreign bodies that result in unintended Injury, broken bones, dental fractures and sprains.
Exam fees and diagnostics
Surgery
Medically necessary hospitalization
Holistic and alternative therapies
Prosthetics & devices
Prosthetic limbs, devices and mobility aids.
Prescription food
Prescription food and supplements for medically necessary reasons.
Boarding & transport
Boarding, transport, housing for medically necessary reasons.
Endodontic treatment
Dental endodontic treatment up to $1,000.
Accidents occurring during pregnancy
End-of-life care
Euthanasia and cremation up to $1,000.
To view a sample policy, click here.
Coverage applies only when incurred as a result of an accident.
What’s not covered
Available as a policy add-on
Illnesses
Such as infections and symptoms of sickness like vomiting or diarrhea.
Prescriptions
Coverage for eligible prescription drugs and prescribed supplements.
Preventive & wellness care
Reimbursement for vaccines, bloodwork, & more.
Pre-existing conditions
Injuries from illegal or organized fighting
Recurring conditions from repetitive activities
Genetic testing
Claims covered by another policy
Experimental treatments such as aromatherapy and massage
Dental care
Routine care required to maintain dental hygiene.
Preventable situations and neglect
For example, must vaccinate as recommended by vet along with other preventable care recommendations like heartworm, flea and tick treatment.
Ineligible pets
Guard, herding, racing, sledding and law enforcement pets, cloned pets, genetically modified pets and wolf (or wolf hybrids).
Other fees
Costs or fees arising from any non-veterinary services, including taxes, waste disposal, government fees and surcharges, photocopying fees, bank and credit card charges, biohazardous waste fees, OSHA fees, and maintenance fees.
This is not a complete list of exclusions, to view a sample policy click here.
Our policy coverage was recently updated. Coverage details may differ based on provider and sign up date. If you are already a cardmember, please sign in for your coverage overview.
In there is a 3 day waiting period for accidents, 14 days waiting period for illnesses, and 180 days for cruciate ligaments.
Want more protection?
Customize your pet insurance plan with add-ons for illnesses, wellness, and more.
What does the base policy cover in ?
This overview is for new customers. New policies in are powered by . If you've already joined Nibbles, your coverage may be through a different provider, sign in to confirm.
What the base policy covers
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.
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
Breeding, pregnancy, or birth expenses
Grooming, boarding, or training
Experimental or investigational treatments
Review your policy documents in the dashboard for the complete list of exclusions.
Our policy coverage was recently updated. Coverage details may differ based on provider and sign up date. If you are already a cardmember, please sign in for your coverage overview.
Waiting periods are 0 days for accidents, 14 days for illness, and 30 days for orthopedic conditions as of the policy start date.
Want more protection?
Customize your pet insurance plan with add-ons for lower deductibles, physical therapy, and more.
What does the base policy cover in ?
This overview is for new customers. New policies in are powered by . If you've already joined Nibbles, your coverage may be through a different provider, sign in to confirm.
What the base policy covers
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, with reimbursement limited to 50% of the policy's annual limit per policy period.
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 based on provider and sign up date. If you are already a cardmember, please sign in for your coverage overview.
Waiting periods are 0 days for accidents, 14 days for illness, and 30 days for orthopedic conditions as of the policy start date.
Want more protection?
Customize your pet insurance plan with add-ons for lower deductibles, physical therapy, and more.
Nibbles isn’t available in your state yet
We’re expanding to new states. If you’re somewhere we already serve, switch your state above to see your coverage.
Tell us where you are
Coverage and pricing vary by state. Pick yours to see what’s available.
How pet insurance works
Three key components determine how your pet insurance works
Annual Limit
The maximum dollar amount that we will reimburse you each year. There are no lifetime limits.
How it works:
The annual limit is the ceiling of how much insurance will cover each year for your pet's eligible medical expenses. Once your payouts reach this amount in a policy year, coverage resets at your next renewal.
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 $8,000, $10,000, $15,000, $20,000, $30,000, or Unlimited (where available) for maximum financial protection.
Reimbursement Rate
The percentage of reimbursement paid after your deductible is met each year.
How it works:
Once you pay your annual deductible, your insurance covers your selected reimbursement percentage (70%, 80%, or 90%) on eligible expenses. Claims are processed quickly, and approved reimbursements are sent directly to your account or by check.
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:
Adjust your coverage with 70% or 90% reimbursement options to lower your monthly premium or minimize out-of-pocket costs on covered expenses.
Deductible
The amount you pay out of pocket before your insurance plan starts to pay. Only applied once per year.
How it works:
You pay this annual amount before your reimbursement percentage applies. For example, on a covered $1,000 vet bill with a $700 deductible and an 80% reimbursement rate: deductible applied leaves $300 remaining, insurance covers 80% of that ($240 reimbursed), and your out-of-pocket is $760.
Base plan:
$700 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:
Choose a $200 deductible for faster coverage, or select a $700 or $1,000 deductible to lower your monthly premium.
Annual Limit
The maximum dollar amount that we will reimburse you each year. There are no lifetime limits.
How it works:
The annual limit is the ceiling of how much insurance will cover each year for your pet's eligible medical expenses. Once your payouts reach this amount in a policy year, coverage resets at your next renewal.
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 $8,000, $10,000, $15,000, $20,000, $30,000, or Unlimited (where available) for maximum financial protection.
Reimbursement Rate
The percentage of reimbursement paid after your deductible is met each year.
How it works:
Once you pay your annual deductible, your insurance covers your selected reimbursement percentage (70%, 80%, or 90%) on eligible expenses. Claims are processed quickly, and approved reimbursements are sent directly to your account or by check.
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:
Adjust your coverage with 70% or 90% reimbursement options to lower your monthly premium or minimize out-of-pocket costs on covered expenses.
Deductible
The amount you pay out of pocket before your insurance plan starts to pay. Only applied once per year.
How it works:
You pay this annual amount before your reimbursement percentage applies. For example, on a covered $1,000 vet bill with a $700 deductible and an 80% reimbursement rate: deductible applied leaves $300 remaining, insurance covers 80% of that ($240 reimbursed), and your out-of-pocket is $760.
Base plan:
$700 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:
Choose a $200 deductible for faster coverage, or select a $700 or $1,000 deductible to lower your monthly premium.
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:
See your policy documents in the dashboard.
Reimbursement Rate
The percentage of covered costs insurance pays after your deductible
How it works:
Once you pay your deductible, eligible expenses are reimbursed at your plan's rate.
Base plan:
70% reimbursement rate
Upgrade options:
See your policy documents in the dashboard.
Deductible
The amount you pay out-of-pocket before insurance kicks in each year
How it works:
You pay this amount annually toward eligible expenses before reimbursement begins.
Base plan:
$950 annual deductible
Upgrade options:
See your policy documents in the dashboard.
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 12 months worth) to ensure accurate coverage determination.
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 12 months worth) to ensure accurate coverage determination.
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 18 months worth) to ensure accurate coverage determination.
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
-
Pet eligibility for the included base insurance policy requires pets to be 6 weeks or older. There is no maximum age for the included base accident policy in .
-
- 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, you will have to file a manual claim through the account dashboard or via support@nibbles.com to initiate that process.
-
Additional pets can be added on at an extra cost after you become a cardmember and you can 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.
-
If your pet is ineligible for the included insurance currently, you can still apply for the credit card and add your pet once they are older than 6 weeks old.
-
Pet eligibility for the included base insurance policy requires pets to be 6 weeks or older. There is no maximum age for the included base accident policy in .
-
- 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, you will have to file a manual claim through the account dashboard or via support@nibbles.com to initiate that process.
-
Additional pets can be added on at an extra cost after you become a cardmember and you can 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.
-
If your pet is ineligible for the included insurance currently, you can still apply for the credit card and add your pet once they are older than 6 weeks old.
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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 7 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.
-
- 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, you will have to file a manual claim through the account dashboard or via support@nibbles.com to initiate that process.
-
Additional pets can be added on at an extra cost after you become a cardmember and you can receive up to a 10% 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.
-
If your pet is ineligible for the included 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 included or paid. We are happy to run a quote for your pet at support@nibbles.com.
-
Pet eligibility for the included 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. 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.
-
- 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, you will have to file a manual claim through the account dashboard or via support@nibbles.com to initiate that process.
-
Additional pets can be added on at an extra cost after you become a cardmember and you can receive up to a 10% 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.
-
If your pet is ineligible for the included 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 included or paid. We are happy to run a quote for your pet at support@nibbles.com.