NibblesReviews of nibbles.com

Doesn’t work for me. Based on previous reviews here, I’m running into the same problem that anyone that has had a pet with less than two years of medical records will be denied claims. Why did they tell you that after you paid them? Nibbles was not upfront with this. They should refund my money because they never intended to pay any of my claims. Nibbles‘s knew I had my pet less than two years and there was a good chance there were not two years of medical records. It sounds like a scam to me.

At first I loved the nibbles card. But when I took my dog who is covered under the coverage for a emergency the company is giving me the run around saying it's not covered or they are treating it as a pre existing condition which it is not. I adopted my dog from a rescue on 12/12/2025. I provided the exam to nibbles from the vet they provided me with from 10/2025. I provided the initial exam I had on 12/29/2025 and again the one in July 2025. They are saying it's not enough information and are not covering anything. Even if I provided them with all the documents from the rescue and the vet appts they needed, they still say not covered. I guess if your insuring your dog from a adoption or rescue with nibbles they are not good enough for insurance....

Lots of issues from the very beginning and could not get the service needed. Then had a pet emergency and couldn’t use the coverage due to not being able to get my card.

They overcharged me on my first monthly payment/fee for the pet insurance. I called to inquire, no response. I emailed about 5x, no response. This went on for a month. I was finally able to email with someone who confirmed that they overcharged me and would reverse the charges. I cancelled immediately. If you look around, you’ll find the same story all over the place with them and Odie. Horrendous customer service. You’d never expect a credit card company to ignore you for almost a month and overcharge you in the meantime. This is definitely illega.

There is a monthly fee for pet insurance and if you don't use it you still pay the fee. I decided to close the account and it will take awhile to close it. They have to send the request to the higher ups and they will decide if they want to close the account. Terrible customer service there phone breaks up a lot that it's hard to understand them.

The card itself is fine, but it ultimately wasn’t necessary for me. I only opened it because it offered free basic or discounted upgraded pet insurance. I got a puppy in March 2026, and my very first claim has been pending for an unusually long time. I’ve been receiving repeated emails from a diffrent rep each time, that give the impression the company is looking for reasons to deny the claim. They continue requesting veterinary records from before March 2026, despite my repeated explanations that my puppy was not that old and her first vet visit was April 02, 2026 I provided the SOAP notes from her first veterinary visit, but the company repeatedly avoids confirming whether they have received them. Because of this experience, I’m glad I kept my Progressive and Spot policies for my other dogs active while waiting to see how this first claim would be handled. I have since downgraded the upgraded Nibbles insurance to the free basic plan, which I will likely never use, and I plan to pay off the card and close the account.

There is no point in getting this card for pet insurance if you have a rescue and can't provide 2 years of past medical history. They will not allow a claim without this. They absolutely do not understand that you can't provide 18 months of information before you received the card. Then they give you a useless response like contact them at the email in their response. Who do you think I have been working with? This means I can never provide the info they want. Credit card canceled.

I applied for the Nibbles credit card primarily because it advertised a complimentary built-in pet insurance benefit. After enrolling, I was later told that my pet does not qualify for the $0 complimentary coverage, without any clear explanation. This feels misleading. Then, I still signed up for an additional fee and paid for 1 year in advance. A few months back, I also submitted two claims for my pet’s swollen paw (not a pre-existing condition). Each claim took 2 months to process, required multiple resubmissions of the same medical records, and was ultimately denied without a clear reason. In addition, due to many dissapoinments, on 4/27/26, I requested cancellation for my pet policy and requested a refund. I received an auto-reply stating a 4–5 business day response time, but I have not received any follow-up or confirmation until today 5/5/26. Overall, the service has been extremely slow, lacking transparency, and very frustrating. There's no phone number to reach customer service. I am still waiting for: * Confirmation of cancellation * Explanation of eligibility for the advertised benefit * Clear reasoning behind claim denials I hope the company addresses these issues promptly.