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Nibbles Pet Rewards Credit Card Just Got Better: Coverage Now Up to $25,000
July 1, 2025
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Nibbles is not a bank. The Nibbles Card is issued by Lead Bank. Fees, Terms & Conditions apply.
If you're a pet owner who's been on the fence about the Nibbles Pet Rewards Credit Card, 2026 just handed you a much bigger reason to take another look. Nibbles has officially raised its built-in pet insurance coverage limit from $10,000 to $25,000 annually — a 150% increase that puts it in a whole new league among pet-focused financial products.
Here's everything you need to know about the update.
What Changed: The Nibbles Coverage Update at a Glance
Nibbles updated its core insurance benefit as of February 2026. The key change:
- Annual coverage limit: Increased from $10,000 → $25,000 per year
- Reimbursement rate: Remains at 80% after the deductible
- Default deductible: $950 (customizable — see nibbles.com for details)
- Coverage: Accidental injury and illness for one pet (additional pets can be added with up to a 5% discount off their premium)
- Where it's accepted: Any licensed veterinarian in the U.S.
Everything else about the card stays the same — no annual fee, 3X points on pet-related purchases, and the integrated claims process that makes filing a breeze.
Why the $25,000 Limit Is a Big Deal
The average emergency vet visit can run anywhere from $1,000 to $5,000. Surgeries, cancer treatments, and chronic illness management can push into the $10,000–$20,000+ range — which is exactly where the old $10K cap started to feel limiting.
With $25,000 in annual coverage, the Nibbles card now provides a meaningful safety net for even the most serious (and expensive) pet health situations. For context, the average standalone pet insurance policy costs $676/year for dogs and $383/year for cats, according to the North American Pet Health Insurance Association. With the Nibbles card, that coverage comes at no additional cost — as long as your pet qualifies.
What Stays the Same: The Full Nibbles Card Benefit Package
Even with the coverage bump, the rest of the card's benefits remain intact:
- 3x rewards on pet & vet purchases
- 1X points on all other purchases
- Points worth 1 cent each, redeemable as statement credits
- Integrated claims processing — pay with your Nibbles card, and the claims process can kick off automatically
- Claims are typically processed within 48 hours
- Reimbursements are applied as statement credits within 30 days
- Standard Mastercard perks: ID theft protection, zero liability, 2 free months of Instacart+, 7% off Booking.com prepaid stays, and $3/month off Peacock Premium
- No annual fee
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Is the Nibbles Card Right for You?
The Nibbles Pet Rewards Credit Card makes the most sense if:
- You have a young, healthy pet likely to qualify for coverage
- You're already paying (or considering paying) for standalone pet insurance
- You want a streamlined claims experience without the paperwork hassle
Not all pets will qualify. Old pets or those with pre-existing conditions may not be approved for the insurance benefit. Nibbles offers a pre-qualification check that won't impact your credit score, so you can verify eligibility before applying.
The Bottom Line
The jump from $10,000 to $25,000 in annual pet insurance coverage makes the Nibbles Pet Rewards Credit Card significantly more competitive - and more valuable - for pet owners who need real financial protection. Combined with no annual fee and solid rewards on pet spending, this update solidifies Nibbles as one of the most compelling no-cost cards in the pet-owner space.
If your pet qualifies, the math is hard to argue with.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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