Here at Nibbles, we try to make getting pet insurance as easy as possible. We're not perfect but we do our best to keep improving the customer experience.
- Apply online, answer a few questions and see if you’re pre-approved for the Nibbles Credit Card.
- Get Approved, once approved you'll be able to customize your pet's insurance. Your annual fee and any add-ons selected will be charged to your new Nibbles Credit Card.
- Then, you'll receive an email within 10-15 minutes to set up your online account and receive access to the 24/7 Nibbles dashboard. This is where you can manage your pets, view policy documents, credit card information, submit claims, and more.
The next few steps are important for verifying your pet's eligibility for coverage and submitting claims for reimbursement. - In order to verify your pet's information and eligibility for coverage, you'll need to submit the last 18 months of your pet's medical history (You'll be prompted for this the first time you sign into the Nibbles dashboard). This will help us determine any pre-existing conditions that were present before the policy went into effect. If you don't have the medical history for your pet you may also take you pet to the vet and have them complete a Medical History & Examination form.
- You'll also need to complete a series of waiting periods before your insurance kicks in and you can submit your first claims. This is to prevent pet parents from signing up for insurance for already sick or injured pets and submitting a claim right away. Pet insurance helps cover unexpected events and keeping fraudulent claims from being submitted helps keep insurance accessible for everyone.
- Once the above conditions are met, you will be able to submit claims via the dashboard and be reimbursed for eligible coverages.
Policy Documents
Your policy documents will outline all of the important information including:
- Effective Dates
- Waiting Periods
- Annual Limit (maximum payout)
- Annual Deductible
- Reimbursement Rate
- And what's covered and not covered.
Reimbursements
You can visit any licensed vet in the US for treatment, pay your vet bill, and be reimbursed for any eligible line items.
Getting Reimbursed
- After your visit, you can pay your bill with the Nibbles Credit Card.
- Submit a claim via the dashboard. You'll need to upload a copy of the vet bill, receipt and any necessary medical documentation supporting the claim.
- Our claims team will process the claim. Any reimbursement due (after your annual deductible is met) will be sent via check or ACH.
We aim to process claims within 30 business days. This may be delayed if more information is required from the veterinarian or pet owner. Reimbursements are typically received within 3-10 days after a claim has been processed.