NibblesReviews of nibbles.com

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.

Free pet insurance with a no fee credit card. Fills out vet claim form if you use their card. Haven't used card yet

I had high hopes for this service because it was marketed as a convenient, all-in-one solution that would be easy to manage. My experience has been the complete opposite. I submitted the required documents, paid for the service, and even purchased additional coverage. Yet when I actually tried to use the benefits I was paying for, my claims were repeatedly denied—including claims for expenses I understood the policy and additional coverage to cover. At this point, the coverage feels worthless if every attempt to use it results in another denial. The low price is misleading. A service is not affordable when you pay premiums and additional fees only to discover that getting a claim approved seems nearly impossible. They had no problem taking my money, but when it came time to provide the coverage and support I believed I had paid for, the experience was nothing but frustration and disappointment. I would not recommend this service based on my experience. I strongly suggest looking at other companies that offer clearer coverage, better transparency, and actual reassurance that you will receive support when you need it. The credit card works fine—but that is because I am the one paying the bill. That does nothing to make up for an insurance experience where I paid for coverage and additional protection but was repeatedly denied when I tried to use it.

Very easy to do the application. I recommend nibbles

Great fast experience

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.

Great experience in applying for this credit card, got answers pretty quickly

Great offer with exceptional customer experience, highly recommend