Nibbles

Nibbles is a US consumer pet-health and financial-products company that combines pet insurance with a credit card. Cardmembers receive a base pet insurance policy for one eligible pet with the premium paid by Nibbles, alongside a rewards program tied to pet-related spending. The card carries no annual fee and a variable APR of US Prime plus 17.74%, capped at 29.99%, and runs on the Mastercard network.

Coverage terms vary by state and by provider and signup date. Examples shown on the company site include accident-only plans with an 80% reimbursement rate, a $700 annual deductible and up to $10,000 of annual coverage, and accident-and-illness plans with a 70% reimbursement rate, a $950 annual deductible and up to $20,000 of annual coverage. Optional paid add-ons ("power ups") extend the base policy to prescription drugs and prescribed supplements, illness and wellness coverage, early-years coverage for pets under three, exam fees that do not lead to a diagnosis, a vaccination endorsement reimbursing up to $100 per policy term, a boarding/trip-cancellation/lost-pet advertising package, and holistic and alternative treatments such as acupuncture, chiropractic, homeopathy, hydrotherapy, naturopathy, physical therapy and rehabilitative therapy. Discounts of up to 5% or 10%, depending on state, are offered for adding additional dogs or cats after becoming a cardmember.

The company describes itself as a pet-first organization built on three pillars — a Pet-First Pledge, "Easy to Love" product design, and "Pack Leaders" — and says it sets aside a portion of revenue for animal charities and non-profit initiatives, and partners with veterinary clinics on vaccine programs and preventative-care education.

Business model

Nibbles distributes pet insurance through a co-branded consumer credit card: the base insurance premium for one pet is paid by Nibbles for cardmembers, while optional coverage add-ons and additional pets are paid by the customer. The card earns interest at a variable APR of US Prime + 17.74% (maximum 29.99%) and charges no annual fee, and runs on the Mastercard network.

Revenue is associated with the credit card (interest at a variable APR of US Prime + 17.74%, capped at 29.99%, and Mastercard network transaction activity) and with paid insurance upgrades and additional-pet policies; the company states it allocates a portion of every dollar it makes to animal charities and non-profit initiatives.

Latest developments

Nibbles launched its credit card with included pet insurance in April 2025, generating coverage from Fioney, NerdWallet and Company Glance, followed by a June 2025 CardRates.com piece on the leadership team's 2025 launch. A limited-time promotion offers 3x back on eligible grocery purchases until 8/31/2026, and the site notes that policy coverage was recently updated.