Nibbles combines a credit card, pet insurance, and an online account, so coverage is easy to get and easy to manage.
Getting Started
- Apply online and answer a few questions to see if you're pre-approved for the Nibbles Credit Card.
- Once approved, customize your pet's insurance. Your annual fee and any add-ons are charged to your new Nibbles Credit Card.
- Within 10–15 minutes, you'll get an email to set up your account, available 24/7 — where you manage your pets, view policy documents and card info, and submit claims.
- Submit your pet's medical history dependent on what your policy requires (you'll be prompted for this on your first account sign-in) so we can verify eligibility and identify any pre-existing conditions. No records on hand? Have your vet complete a Medical History & Examination form instead.
- Odie policies: 18 months of pet medical history needed.
- Kanguro policies: 12 months of pet medical history needed.
- Rainwalk policies: 24 months of pet medical history needed.
- Complete your waiting periods before coverage and claims begin. This keeps pet parents from insuring an already-sick or injured pet and filing an immediate claim, which helps keep insurance accessible for everyone.
- Once those steps are complete, submit claims via your account and get reimbursed for eligible coverage.
Policy Documents
Your policy documents outline the important details:
- Effective dates
- Waiting periods
- Annual limit (maximum payout)
- Annual deductible
- Reimbursement rate
- What's covered and not covered
Policies begin at different times, depending on your provider:
- For Odie, the Policy & Wellness plan begins the next day at 12:01 AM.
- For Rainwalk, the Policy & Wellness begins the same day.
- For Kanguro, the Policy & Wellness plan begins the next day at 12:01 AM, but Kanguro will honor same day wellness claims if necessary.
Waiting periods start from your policy effective date and may vary by coverage — check your policy document for the exact times that apply to you. See Waiting Periods for more details.
Claims are typically processed within 30 business days — longer if we need more information from you or your vet. Reimbursements usually arrive 3–10 days after a claim is processed.