Notice to California Residents
Please review the following disclosure and provide your acknowledgment before completing your purchase. By acknowledging, you are agreeing to the statements below.
Pre-Existing Conditions, as defined under the Definitions section below, are not covered. Other exclusions may apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.
Pre-Existing Conditions, as defined under the Definitions section below, are not covered. Other exclusions may apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.
You have thirty (30) days from the day you receive the policy, certificate or rider to review it and return it to the company if you decide not to keep it. You do not have to tell the Company why you are returning it. If you decide not to keep it, simply return it to the company at its administrative office or you may return it to the insurance producer that you bought it from as long as you have not filed a claim. You must return it within 30 days of the day you first received it. The company will refund the full amount of any premium paid within 30 days after it receives the returned policy, certificate or rider. The premium refund will be sent directly to the person who paid it. The policy, certificate or rider will be void as if it had never been issued.
The fastest and easiest way to return your policy is by notifying us in writing through the channel outlined below:
$2,500; $5,000; $10,000; $25,000; $40,000
Co-Insurance30% (70% Reimbursement), 20% (80% Reimbursement), 10% (90% Reimbursement)
Annual Deductible$50-$1,000 (as shown on the policy declaration page)
Supplemental BenefitsThe below supplemental benefits are available for additional premium. Please refer to the policy declaration page to see if your policy includes these supplemental benefits: Office Visits/Exam Fee Coverage, Take Home Prescription Medication Coverage, Rehabilitation, Acupuncture, and Chiropractic Care Coverage
$10,000
Co-Insurance10% (90% Reimbursement)
Annual Deductible$250
Please refer to the Declaration Page for your Pet’s specific waiting period.
The Company provides coverage to you for the Pet described in the policy and on the policy declaration page for the Actual Cost of Veterinary Treatment for any eligible condition, subject to the terms of the Policy, after the application of the Co-Insurance, minus the Deductible, up to the Annual Limit of the policy.
The formula for determining claims reimbursement is as follows: eligible expenses multiplied by the reimbursement percentage minus the deductible equals the claim payout.
Total eligible expenses
x 90%)Reimbursement percentage
– $250Remaining annual deductible
$830TOTAL REIMBURSEMENT AMOUNT
Routine Care/Routine Care Plus is an optional endorsement that may be added to your base pet health insurance policy. Purchase of a routine care endorsement is not a requirement for the purchase of pet insurance. The endorsement is subject to all provisions of your policy that are not in conflict with the provisions of the endorsement.
The endorsement provides reimbursements for preventative care shown below up to the lesser of the Actual Cost of Veterinary Treatment expense provided by a Veterinarian or the following maximum allowable limits.
California Department of Insurance300 Capitol Mall Ste 1700Sacramento, CA 95814
Website https://www.insurance.ca.gov/Phone1-800-927-4357
Nibbles Insurance Agency LLC
1606 Headway CIR STE 9070
Austin, TX 78754
If you are a California resident, California Civil Code Section 1798.120 may permit you to “opt out” of the “sale” of your “personal information” to “third parties” (as those terms are defined in the CCPA). Our Privacy Policy describes the limited circumstances in which we may share your information with third parties outside our company. Our Privacy Policy also provides you with certain controls and choices regarding our collection, use, and sharing of your information. Among other rights provided for in our Privacy Policy, you may choose to control targeted advertising from many ad networks and partners; data exchanges; and marketing analytics and digital advertising and marketing service providers.
To make such a request, please send an email with a detailed description of the specific content or information to support@nibbles.com.
Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and that there may be circumstances in which the law does not require or allow removal even if requested.
Notice to District of Columbia Residents & Applicants
District of Columbia Required Fraud Disclosure Provisions:Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
Please refer to your Policy (including all applicable endorsements) carefully for the complete coverage details.
Notice to Florida Residents
Please review the following disclosure and provide your acknowledgment before completing your purchase. By acknowledging, you are agreeing to the statements below.
Surplus Lines Disclosure and Acknowledgement
At my direction, Nibbles Insurance Agency LLC. has placed my coverage in the surplus lines market. As required by Florida Statute 626.916, I have agreed to this placement. I understand that coverage may be available in the admitted market and that persons insured by surplus lines carriers are not protected by the Florida Insurance Guaranty Act with respect to any right of recovery for the obligation of an insolvent unlicensed insurer. I further understand the policy forms, conditions, premiums, and deductibles used by surplus lines insurers may be different from those found in policies used in the admitted market. I have been advised to read carefully the entire policy.
Notice to Maine Residents (Trisura Ins Co)
Please review the following disclosure and provide your acknowledgment before completing your purchase. By acknowledging, you are agreeing to the statements below.
This insurance contract is issued pursuant to the Maine Insurance Laws by an insurer neither licensed by nor under the jurisdiction of the Maine Bureau of Insurance.
Pet health insurance policies are administered by Norse Specialty Insurance Company, Inc. and underwritten by Trisura Insurance Company (NAIC # 22225). Plans are marketed and sold by the Agency/Producer listed below and receives compensation based on the premiums for the insurance policies it sells.
Pre-Existing Conditions, as defined under the Definitions section below, are not covered. Other exclusions may apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.
You have fifteen (15) days from the day you receive the policy, certificate or rider to review it and return it to the company if you decide not to keep it. You do not have to tell the Company why you are returning it. If you decide not to keep it, simply return it to the company at its administrative office or you may return it to the insurance producer that you bought it from as long as you have not filed a claim. You must return it within 15 days of the day you first received it. The company will refund the full amount of any premium paid within 30 days after it receives the returned policy, certificate or rider. The premium refund will be sent directly to the person who paid it. The policy, certificate or rider will be void as if it had never been issued.The fastest and easiest way to return your policy is by notifying us in writing through the channels outlined below:
$2,500; $5,000; $10,000; $25,000; $40,000
Co-Insurance30% (70% Reimbursement), 20% (80% Reimbursement), 10% (90% Reimbursement)
Annual Deductible$50-$1,000 (as shown on the policy declaration page)
Supplemental BenefitsThe below supplemental benefits are available for additional premium. Please refer to the policy declaration page to see if your policy includes these supplemental benefits: Office Visits/Exam Fee Coverage, Take Home Prescription Medication Coverage, Rehabilitation, Acupuncture, and Chiropractic Care Coverage
$10,000
Co-Insurance10% (90% Reimbursement)
Annual Deductible$250
Please refer to the Declaration Page for your Pet’s specific waiting period.
The Company provides coverage to you for the Pet described in the policy and on the policy declaration page for the Actual Cost of Veterinary Treatment for any eligible condition, subject to the terms of the Policy, after the application of the Co-Insurance, minus the Deductible, up to the Annual Limit of the policy.The formula for determining claims reimbursement is as follows: eligible expenses multiplied by the reimbursement percentage minus the deductible equals the claim payout.
Example:Total eligible expenses
x 90%)Reimbursement percentage
– $250Remaining annual deductible
$830TOTAL REIMBURSEMENT AMOUNT
Routine Care/Routine Care Plus is an optional endorsement that may be added to your base pet health insurance policy. Purchase of a routine care endorsement is not a requirement for the purchase of pet insurance. The endorsement is subject to all provisions of your policy that are not in conflict with the provisions of the endorsement.The endorsement provides reimbursements for preventative care shown below up to the lesser of the Actual Cost of Veterinary Treatment expense provided by a Veterinarian or the following maximum allowable limits.
Maine Bureau of Insurance#34 State House StationAugusta, ME 04333-0034
Website https://www.maine.gov/pfr/insurance/homePhone1-800-300-5000
Nibbles Insurance Agency LLC
1606 Headway CIR STE 9070
Austin, TX 78754
Notice to Massachusetts Residents
Please review the following disclosure and provide your acknowledgment before completing your purchase. By acknowledging, you are agreeing to the statements below.
You are purchasing insurance directly through our online platform. You have been informed that the required insurance could not be obtained from, or would not be written by, companies licensed or admitted to transact business in the Commonwealth of Massachusetts.
I/We, the policyholder(s), understand that the type and amount of insurance listed below have been obtained from insurers not admitted to transact business in the Commonwealth. I/We further understand:
A. The surplus lines insurer with whom the insurance was placed is not licensed in this state and is not subject to Massachusetts regulations.
B. In the event of the insolvency of the surplus lines insurer, losses will not be paid by the state insurance guaranty fund.
Notice to Minnesota Residents
Please review the following disclosure and provide your acknowledgment before completing your purchase. By acknowledging, you are agreeing to the statements below.
THIS INSURANCE IS ISSUED PURSUANT TO THE MINNESOTA SURPLUS LINES INSURANCE ACT. THE INSURER IS AN ELIGIBLE SURPLUS LINES INSURER BUT IS NOT OTHERWISE LICENSED BY THE STATE OF MINNESOTA. IN CASE OF INSOLVENCY, PAYMENT OF CLAIMS IS NOT GUARANTEED.
Notice to Mississippi Residents (Trisura Ins Co)
Pet health insurance policies are administered by Norse Specialty Insurance Company, Inc. and underwritten by Trisura Insurance Company (NAIC # 22225). Plans are marketed and sold by the Agency/Producer listed below and receives compensation based on the premiums for the insurance policies it sells.
Pre-Existing Conditions, as defined under the Definitions section below, are not covered. Other exclusions may apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.
You have 15 days from the day you receive this policy, certificate, or endorsement to review it and return it to the company if you decide not to keep it. You do not have to tell the company why you are returning it. If you decide not to keep it, simply return it to the company at its administrative office or you may return it to the insurance producer that you bought it from as long as you have not filed a claim. You must return it within 15 days of the day you first received it. The company will refund the full amount of any premium paid within 30 days after it receives the returned policy, certificate, or endorsement. The premium refund will be sent directly to the person who paid it. The policy, certificate, or endorsement will be void as if it had never been issued.The fastest and easiest way to return your policy is by notifying us in writing through the channels outlined below:
There is no waiting period for accidents.
Please refer to the Declaration Page for your Pet’s specific waiting period.
The Company provides coverage to you for the Pet described in the policy and on the policy declaration page for the Actual Cost of Veterinary Treatment for any eligible condition, subject to the terms of the Policy, after the application of the Co-Insurance, minus the Deductible, up to the Annual Limit of the policy.The formula for determining claims reimbursement is as follows: eligible expenses multiplied by the reimbursement percentage minus the deductible equals the claim payout.
Example:Total eligible expenses
x 90%)Reimbursement percentage
– $250Remaining annual deductible
$830TOTAL REIMBURSEMENT AMOUNT
Nibbles Insurance Agency LLC
1606 Headway CIR STE 9070
Austin, TX 78754
Notice to Missouri Residents (Trisura Ins Co)
Pet health insurance policies are administered by Norse Specialty Insurance Company, Inc. and underwritten by Trisura Insurance Company (NAIC # 22225). Plans are marketed and sold by the Agency/Producer listed below and receives compensation based on the premiums for the insurance policies it sells.
Pre-Existing Conditions, as defined under the Definitions section below, are not covered. Other exclusions may apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.
You have 30 days from the day you receive this policy, certificate, or endorsement to review it and return it to the company if you decide not to keep it. You do not have to tell the company why you are returning it. If you decide not to keep it, simply return it to the company at its administrative office or you may return it to the insurance producer that you bought it from as long as you have not filed a claim. You must return it within 30 days of the day you first received it. The company will refund the full amount of any premium paid within 30 days after it receives the returned policy, certificate, or endorsement. The premium refund will be sent directly to the person who paid it. The policy, certificate, or endorsement will be void as if it had never been issued.The fastest and easiest way to return your policy is by notifying us in writing through the channels outlined below:
There is no waiting period for accidents.
Please refer to the Declaration Page for your Pet’s specific waiting period.
The Company provides coverage to you for the Pet described in the policy and on the policy declaration page for the Actual Cost of Veterinary Treatment for any eligible condition, subject to the terms of the Policy, after the application of the Co-Insurance, minus the Deductible, up to the Annual Limit of the policy.The formula for determining claims reimbursement is as follows: eligible expenses multiplied by the reimbursement percentage minus the deductible equals the claim payout.
Example:Total eligible expenses
x 90%)Reimbursement percentage
– $250Remaining annual deductible
$830TOTAL REIMBURSEMENT AMOUNT
Nibbles Insurance Agency LLC
1606 Headway CIR STE 9070
Austin, TX 78754
Notice to New York Residents
Please review the following disclosure and provide your acknowledgment before completing your purchase. By acknowledging, you are agreeing to the statements below.
Consistent with the requirements of the New York Insurance Law and Regulation 41 you are hereby advised that all or a portion of the required coverages have been placed by Norse Specialty Insurance Services, Inc. with insurers not authorized to do an insurance business in New York and which are not subject to supervision by this State. Placements with unauthorized insurers can only be made under one of the following circumstances: a) A diligent effort was first made to place the required insurance with companies authorized in New York to write coverages of the kind requested; or b) NO diligent effort was required because i) the coverage qualifies as an “Export List” risk, or ii) the insured qualifies as an “Exempt Commercial Purchaser.” Policies issued by such unauthorized insurers may not be subject to all of the regulations of the Superintendent of Financial Services pertaining to policy forms. In the event of insolvency of the unauthorized insurers, losses will not be covered by any New York State security fund.
TOTAL COST FORM (NON TAX ALLOCATED PREMIUM TRANSACTION)
In consideration of placing your insurance as described in the checkout, you agree to pay the total cost which includes all premiums, inspection charges(1) and a service fee that includes taxes, stamping fees, and (if indicated) a fee(1) for compensation in addition to commissions received, and other expenses(1). You further understand and agree that all fees, inspection charges and other expenses denoted by(1) are fully earned from the inception date of the policy and are non-refundable regardless of whether said policy is cancelled. Any policy changes which generate additional premium are subject to additional tax and stamping fee charges.
Notice to Vermont Residents (Trisura Ins Co)
Pet health insurance policies are administered by Norse Specialty Insurance Company, Inc. and underwritten by Trisura Insurance Company (NAIC # 22225). Plans are marketed and sold by the Agency/Producer listed below and receives compensation based on the premiums for the insurance policies it sells.
Pre-Existing Conditions, as defined under the Definitions section below, are not covered. Other exclusions may apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.
You have 30 days from the day you receive this policy, certificate, or endorsement to review it and return it to the company if you decide not to keep it. You do not have to tell the company why you are returning it. If you decide not to keep it, simply return it to the company at its administrative office or you may return it to the insurance producer that you bought it from as long as you have not filed a claim. You must return it within 30 days of the day you first received it. The company will refund the full amount of any premium paid within 30 days after it receives the returned policy, certificate, or endorsement. The premium refund will be sent directly to the person who paid it. The policy, certificate, or endorsement will be void as if it had never been issued.
The fastest and easiest way to return your policy is by notifying us in writing through the channels outlined below:
There is no waiting period for accidents.
Please refer to the Declaration Page for your Pet’s specific waiting period.
The Company provides coverage to you for the Pet described in the policy and on the policy declaration page for the Actual Cost of Veterinary Treatment for any eligible condition, subject to the terms of the Policy, after the application of the Co-Insurance, minus the Deductible, up to the Annual Limit of the policy.
The formula for determining claims reimbursement is as follows: eligible expenses multiplied by the reimbursement percentage minus the deductible equals the claim payout.
Example:Total eligible expenses
x 90%)Reimbursement percentage
– $250Remaining annual deductible
$830TOTAL REIMBURSEMENT AMOUNT
Nibbles Insurance Agency LLC
1606 Headway CIR STE 9070
Austin, TX 78754
Notice to Washington Residents (Trisura Ins Co)
Pet health insurance policies are administered by Norse Specialty Insurance Company, Inc. and underwritten by Trisura Insurance Company (NAIC # 22225). Plans are marketed and sold by the Agency/Producer listed below and receives compensation based on the premiums for the insurance policies it sells.
Pre-Existing Conditions, as defined under the Definitions section below, are not covered. Other exclusions may apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.
You have 15 days from the day you receive this policy, certificate, or endorsement to review it and return it to the company if you decide not to keep it. You do not have to tell the company why you are returning it. If you decide not to keep it, simply return it to the company at its administrative office or you may return it to the insurance producer that you bought it from as long as you have not filed a claim. You must return it within 15 days of the day you first received it. The company will refund the full amount of any premium paid within 30 days after it receives the returned policy, certificate, or endorsement. The premium refund will be sent directly to the person who paid it. The policy, certificate, or endorsement will be void as if it had never been issued.
The fastest and easiest way to return your policy is by notifying us in writing through the channels outlined below:
There is no waiting period for accidents.
Please refer to the Declaration Page for your Pet’s specific waiting period.
The Company provides coverage to you for the Pet described in the policy and on the policy declaration page for the Actual Cost of Veterinary Treatment for any eligible condition, subject to the terms of the Policy, after the application of the Co-Insurance, minus the Deductible, up to the Annual Limit of the policy.
The formula for determining claims reimbursement is as follows: eligible expenses multiplied by the reimbursement percentage minus the deductible equals the claim payout.
Example:Total eligible expenses
x 90%)Reimbursement percentage
– $250Remaining annual deductible
$830TOTAL REIMBURSEMENT AMOUNT
Nibbles Insurance Agency LLC
1606 Headway CIR STE 9070
Austin, TX 78754
