NibblesReviews of nibbles.com

Application was fast and smooth.

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.

Purchased this insurance for my 6 year old dog. He injured his back and there was pus and blood. So I took him to the ER to get the wound cleaned and treated. Nibbles views this as a "pre-existing condition" and denied my claim. He had a subdermal lipoma that oozed out because of the injury. So much for injury protection. I wonder if you needed to get the insurance before the dog is born for them to cover anything.

They do not process in a timely manner. Then request last 18 months or records once you file a claim, then once you provide those they want ALL records from day one. Only processed part of my claim after repeated emails . Do not use this company they will give you a run around and not pay. Do not recommend

They denied my dogs claim for a straight forward emergency procedure. I sent in countless invoices and vet records. This company is a sham. They just use the “free pet insurance” so people will sign up for their credit card. Be wary

I have to admit I was skeptical about the "free dog health insurance" but to my surprise it worked. I'm blown away by it. Have to admit the first submission was a bit tricky for this old brain but in the end worked out great. Thank you, thank you. You have no idea how this helped.

Customer service kept telling me they accept electronic payment when they don’t (can’t be sent out from your back). Canceled this card and waited for a week before they confirmed my cancellation. My refund is still pending, 2 weeks after this account has been closed, and today was informed that it will take up to 30 days. After closing my account mid April, I have to wait until June 1st to see if they have deposited money they owe me into my bank account. This card and pet insurance company is absurd and a waste of time and money.