# Pet insurance made easy

Coverage for your pet and your wallet

All from one credit card

## Insurance built into the credit card

The Nibbles credit card has pet insurance included so your pet is protected. You don't have to use your card at the vet for coverage to work.

## Included for eligible pets

The base insurance policy covers one pet 6 weeks or older, there is no maximum age limit for the base accident policy in Texas.

## Coverage at every vet

Visit any licensed veterinarian in the US. No network restrictions means you choose the best care for your pets.

## Hassle-free claims process

Use your card at the vet and you will get an email asking if you want us to start a claim. We can file your claim for you, unlike other providers.

## Nibbles isn’t available in Texas yet

We’re expanding to new states. If you’re somewhere we already serve, switch your state above to see your coverage.

## Protect your pet from the unexpected

Vet costs have risen 49% since late 2019 and 80% of pets will have a medical emergency in their lifetimes.

### What does the base accident policy cover in Texas?

This overview is for new customers. New policies in Texas are powered by Kanguro. If you've already joined Nibbles, your coverage may be through a different provider.

### What the base policy covers

#### Plan Basics

- **Reimbursement Rate**: 80%  
- **Annual Deductible**: $700  
- **Annual Limit**: $10,000

#### Accident coverage

Such as road accidents or poisoning, animal bites or ingestion of foreign bodies that result in unintended injury, broken bones, dental fractures and sprains.

#### Diagnostics

Such as physical examinations, blood tests, urinalysis, x-rays, MRIs, lab work, CT scans, and ultrasounds.

#### Procedures

Procedures such as outpatient, specialty and emergency care required, hospitalization.

#### Medications

Vet administered medications and medical supplies such as injections.

#### End-of-life care

Euthanasia where deemed necessary for humane reasons and cremation costs.

**What’s not covered**

Available as a policy add-on:
- Illnesses
- Prescriptions
- Preventive & wellness care
- Pre-Existing Conditions
- Routine Dental Care

## Understanding pre-existing conditions

Most pet insurances exclude pre-existing conditions. So it’s important to insure your pet as early as possible before a condition occurs.

#### What is a pre-existing condition?

A condition may be deemed pre-existing when your pet was already showing clinical signs and symptoms before the policy start date or during the waiting period. This also includes conditions for which your pet has received previous treatment or medical advice.

## Apply in minutes to protect your pet

- 1. **Pet info**: Answer a few questions about your furry friend (or friends)
- 2. **Personal info**: Tell us more about you to get pre-qualified
- 3. **Review and accept**: See your offer and accept it to get the card

## Frequently Asked Questions

- **What determines if my pet is eligible?**  
Pet eligibility for the included base insurance policy requires pets to be 6 weeks or older. There is no maximum age for the included base accident policy in Texas.

- **How does the claims process work?**  
1. If you use the Nibbles card at the vet, we will see the transaction come through and send you an email asking if you would like us to file the claim for you. All you have to do is reply with “yes” and a brief sentence describing what happened.
2. We will work with our insurance partner to get all of the appropriate documents over to them and to get the claim filed as quickly as possible.
3. You will be informed when a decision has been made on your claim and reimbursed if necessary.