How Does Pet Insurance Reimbursement Work?

We don't pay your vet directly, pet insurance works on a reimbursement model. You pay your vet using the Nibbles card (or another payment method), then file a claim for reimbursement. How that reimbursement reaches you depends on your servicer:

Policies Serviced by Odie Pet Insurance

For approved claims, we'll issue reimbursement, minus your co-insurance and deductible, by ACH or by check. Expect to receive it within 1–2 weeks after your claim is processed.

Policies Serviced by Rainwalk Technology, Inc.

You'll receive reimbursement by ACH.

Policies Serviced by Kanguro Insurance LLC

You'll receive reimbursement by ACH.

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