A Vet's Review of Nibbles Pet Insurance
2026

• 6 month waiting period for cruciate ligament events. May vary by state.
• To get Take Home Prescription drug coverage, you must purchase the add-on.
• Any Take Home Prescription Medications that are not included in their formulary of covered medications are not covered.
• To get Exam Fee coverage, you must purchase the add-on.
• To get Alternative Therapy and Physical Therapy coverage, you must purchase the add-on.
• The only parts of Behavioral Therapy that are covered are consultations and prescription medications, and these are covered only if you purchase their Exam Add-On and the Prescription Drug Add-On.
• According to their sample policy, adding any supplemental add-on at a later date will require that you cancel your current policy and have a new one reissued. This will result in any conditions you have under the old policy to not be covered in this reissued policy as they will be deemed pre-existing.
• According to their sample policy, increasing your Annual payout limit at a later date will require that you cancel your current policy and have a new one reissued. This will result in any conditions you have under the old policy to not be covered in this reissued policy as they will be deemed pre-existing.
• Dental coverage for accidents and illness is limited

• Financially strong underwriters
• Coverage when travel out of state including Canada, and any region under US government control, such as territories or military installations/bases in foreign countries.
• Provides coverage in the 5 important areas as part of the base plan:
  1. Chronic disease
  2. Continual coverage for chronic disease
  3. Hereditary/congenital conditions
  4. Cancer
  5. Breed specific conditions

• My biggest concern is the way Nibbles ties pet insurance directly to its credit card. In the fine print on their website, they state that coverage is contingent upon maintaining active cardholder status in good standing. They also reserve the right to update or modify the terms, conditions, and benefits of the Nibbles Card program at any time.
  
  What this means in practical terms is that if you ever fall out of good standing with the credit card (due to a late payment or any other issue) you could lose your pet insurance coverage. It’s worth noting that credit cards can sometimes be closed or marked inactive after long periods of non-use, even if no payments are missed.
  
  In addition, if Nibbles later introduces new terms you don’t agree with (such as reinstating their annual fee) and you choose to cancel the card, you again risk losing your pet insurance.
  
  If pet insurance coverage is terminated, any medical conditions your pet had that were previously covered may be considered pre-existing should you seek insurance from another provider, potentially leaving you without coverage when you need it most.
• Contact the Nibbles for information on the specific reasons they may cancel a policy. Given that Nationwide unexpectedly announced the cancellation of over 100,000+ policies in the spring of 2024, it's important to have clarity in this area.
• Nibbles is a newer company. Based on what I've seen since 2008, it can take time for a company to settle in on a consistent premium pricing and policy terms.
• It is not clear if the reimbursements are calculated by taking the deductible first or the reimbursement percentage first.
• Based on their pre-existing conditions policy, signs and symptoms can be used to denote something as pre-existing. As with all pet insurance companies that use this wording, I have concerns that this can be used to deny claims even when these previous signs/symptoms are not directly related to the disease or condition currently in question.
• If a bilateral condition happens on one side before they policy starts or during the waiting period, that condition will not be covered if it happens on the other side. Even if it happens after the waiting period.
  
  The way it is written in their sample policy, it appears this applies to all conditions that can happen on both sides of the body.
  
  There are so many body systems that inhabit both sides of the body (e.g. eyes, ears, knees, hips, front paws, elbows, toenails, kidneys, lungs, femur, etc). Not clearly defining which systems they are referring to leaves a big door open that could allow them to deem something as a bilateral exclusion whenever they see fit.
  
  Letting customers know what specific conditions and/or systems fall under this exclusion would be much more transparent. Clearly defining this will also help the pet owner make an informed decision.
• I would like to see more clarity on when and by how much premiums can increase.

• Make sure you research what customers are saying about the company. A company may have the 5 components that should be part of a pet insurance plan, but the company may not be a hit with customers. Sites to check include but are not limited to BBB.org, Yelp.com and PetInsuranceReview.com Things to look for include but are not limited to: How fast are payments paid?, What are customers saying about the pre-existing conditions policy?, How often are claims denied and for what reason?, What is the customer service experience like?, Are there issues with premium increases?
• Check with your state's Department of Insurance to see if any complaints have been filed for the company you are interested in.
• Make sure you understand what the waiting periods are.
• Make sure you understand their bilateral conditions policy.
• Make sure you understand any requirements that you must adhere to to maintain coverage.
• Make sure you read the terms and conditions to get a thorough understanding of all exclusions.
• Make sure you understand when and by how much your premium can increase.
• If you change plan levels, there is a possibility that all medical conditions present under the old plan will be considered pre-existing in the new plan. Make sure you ask the company if this is the case.
• For some companies, pre-existing conditions can be based on signs and symptoms alone, a diagnosis is not needed. For example, if your pet had a cough before you applied for pet insurance and this cough was discussed and written in the pet's medical record, there is the possibility that all future cough conditions, no matter what the cause, would be considered pre-existing - even if there was no treatment given. Make sure you ask the company if this is the case.
• Pet insurance companies are businesses. The top priority of any business is to make a profit for their stakeholders. Pet insurance companies can and may change your rates and terms to meet that top priority. A change of business ownership or underwriters can also be a catalyst for changes in your rates and terms.
  
  When you purchase pet insurance make sure you have a realistic understanding of this and how it can affect you.

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