Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!
How Does Nibbles Credit Card Pet Insurance Work? (2026 Guide)
July 1, 2025
.webp)
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Nibbles is not a bank. The Nibbles Card is issued by Lead Bank. Other fees and T&Cs apply. Rewards & pet insurance offered by Nibbles, not Lead Bank. Base pet insurance policy paid for one eligible pet by Nibbles. See nibbles.com for details.
The Nibbles Pet Rewards Credit Card is a no-annual-fee credit card with pet insurance built in for one eligible dog or cat. You apply for the Nibbles Card, enroll your pet, and use your Nibbles Card at the vet.
Here is how the coverage works, step by step, and what to check before you apply.
[[ SINGLE_CARD * {"id": "14307", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Pet Parents", "headerHint": "Built-In Pet Insurance"} ]]
How does Nibbles pet insurance work?
- See if you pre-qualify. You can check with no impact to your credit score.
- Enroll one eligible pet. The base policy covers one dog or cat, included with the Nibbles Card.
- Wait for coverage to start. There is a short waiting period after your plan is finalized. It depends on your state and the type of issue.
- Use your Nibbles Card at the vet. Your claim is filed for you.
- Get reimbursed. Reimbursement goes straight to your statement.
Want the full picture on the Nibbles Card? Our review covers rewards, fees, and who it is best for. Read our Nibbles credit card review.
What does Nibbles pet insurance cover?
- Up to $20,000 a year in accident, illness, and injury insurance.*
- Up to 80% reimbursement after the deductible.*
- Includes some conditions other insurers exclude.
- Add-ons, lower deductibles, and upgrades are available.
- Use it at any licensed vet in the U.S. All are in network.
Coverage details vary by state, so check the exact terms for where you live.
*Check your state for exact coverage and pricing details.
Kudos can recommend the best card in your wallet at checkout, so you know when to use your Nibbles Card at the vet or pet store.
New to pet insurance? Learn how deductibles, reimbursement rates, and annual limits fit together. What is pet insurance and how does it work?
Who is eligible for Nibbles pet insurance?
- Dogs: 7 weeks to 7 years old.
- Cats: 7 weeks to 9 years old.
- One pet included: you can add more pets and save up to 10% on each additional premium.*
Other eligibility requirements apply, and pre-existing conditions are generally not covered. Availability and pricing vary by state.*
*Check your state for exact coverage and pricing details.
Comparing pet cards? See how Nibbles stacks up against other cards for pet parents. Best credit cards for pet parents
How do you file a claim?
Use your Nibbles Card at the vet and your claim is filed for you. Nibbles will reach out if anything else is needed, and reimbursement goes straight to your statement.
If you pay another way, you can still file a claim through your Nibbles account.
Keep your account in good standing
Your Nibbles Card account needs to stay open and in good standing for your coverage to stay active.
What else comes with the Nibbles Card?
- 3x Pet Points on pet and vet purchases, on the full vet bill, not just the amount left after reimbursement.
- 1x Pet Points on everyday things like groceries and gas, and everywhere else Mastercard is accepted.
- No annual fee.
[[ SINGLE_CARD * {"id": "14307", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Pet Parents", "headerHint": "Built-In Pet Insurance"} ]]
Using your Nibbles Card at the vet earns 3x Pet Points and files your claim at the same time. Kudos can also recommend when it is the best card in your wallet for a purchase.
Is Nibbles pet insurance worth it?
For a pet parent with a young, healthy dog or cat, the Nibbles Card puts coverage and rewards in one place with no annual fee. It is a weaker fit if your pet is older, has ongoing health conditions, or is outside the age limits.
Is pet insurance included with the Nibbles Card?
Yes. Pet insurance for one eligible pet is included with the Nibbles Card. Add-ons and additional pets cost extra.
Do I have to use my Nibbles Card at the vet?
No, but using it means your claim is filed for you. You can also file through your Nibbles account.
Does Nibbles cover pre-existing conditions?
Pre-existing conditions are generally not covered. Other eligibility requirements apply.
Can I cover more than one pet?
Yes. You can add more pets and save up to 10% on each additional premium.*
Can I use any vet?
Yes. Any licensed vet in the U.S. is in network.
*Check your state for exact coverage and pricing details.
Nibbles is not a bank. The Nibbles Card is issued by Lead Bank. Other fees and T&Cs apply. Rewards & pet insurance offered by Nibbles, not Lead Bank. Base pet insurance policy paid for one eligible pet by Nibbles. See nibbles.com for details.
Unlock your extra benefits when you become a Kudos member
Turn your online shopping into even more rewards
Join over 400,000 members simplifying their finances
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
.webp)
.webp)
.webp)
