NibblesReviews of nibbles.com

Great way to obtain pet insurance rather than miles or points you may never use. So far giving 5 stars. Have not needed insurance and keeping my old company as a back up. If you have a puppy would get this card in a minute. A little waiting period for older dogs and you can purchase additional coverage at nominal cost.

You suck worst insurance l ever used and l will tell everyone not to get it

I had a very disappointing experience with Odie/Nibbles pet insurance. My dog’s recent claim for acute bacterial diarrhea was denied as a “pre-existing condition,” even though her only prior history was anal sacculitis. After waiting for almost 2 months on my pending claim... The denial letter cites past records of anal gland issues (anal sac discharge, scooting, gland expression) and attempts to reframe them as “bloody diarrhea issues.” These are medically distinct conditions. Anal gland disease is not the same as gastrointestinal illness, and no prior GI condition was documented. Their own policy states that a pre-existing condition must involve prior signs or symptoms consistent with the claimed condition. That standard was not met here. Instead, unrelated symptoms were grouped together to justify denial. If you’re considering this insurer, be aware that claims may be denied based on broad or questionable interpretations of your pet’s medical history.

It is too early to review the service

The insurance sounds great until you actually try to use it. The customer service is abysmal. I spent hours trying to understand their requirements for documents they didn't bother mentioning would be needed when I signed up and tracking down information that was never my responsibility to acquire in the first place. They asked for my dogs medical records on his vet visit in such a confusing way that needed clarification. A phone number was not available and the email customer service first told me it wasn't an issue and then ignored my follow-up. It wasn't until my claim was denied that i got the phone number of the actual insurer and was told they needed those medical records. My vet however, told me that those records can only be requested by the insurer and I never should have been involved in that information request. If hiding requirements in the fine print and giving me the runaround when I needed help are the way this business runs I have to recommend all pet owners avoid it. Update: Any solution offered for the above issue was quickly forgotten, they are happy to make promises to get you off the phone but will not follow through with them. Even after promising me a solution to the medical history requirement my claims were regularly randomly denied due to missing medical history. Any appeals made were outright ignored, denied again with nothing more than the original denial letter for explanation. Getting these people to pay out anything of the insurance they claim to provide is painfully difficult even by other insurances' standards.

Offering pet insurance and using the credit card to pay the vet. The online process was smooth and simple to get approved on the credit card and on the pet insurance. The credit card has a good credit limit in case of an emergency. Thank you

I have been unable to find a phone number to contact anyone at this company. I need to speak with someone urgently, I did send an email message as per the website but no idea how long that will take to hear back. I've misplaced my card so I don't have the number on the back of the card to call and it seems impossible to find.

I was very happy to receive free pet insurance for my cat as a benefit with the Nibbles Credit Card.