Peppermint Pet Insurance Review 2024
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Discover the methodologyPeppermint Pet Insurance offers four plans (Lite, Base, Plus, and Prime) with coverage limits from $1,500 to $10,000 and an 80% reimbursement rate. It covers essential needs like exam fees, hospitalization, surgery, diagnostics, and alternative therapies. With a low $100 deductible and affordable premiums, it’s a cost-effective option. It is best for budget-conscious pet owners who need comprehensive coverage but can manage without additional coverage. However, it lacks dental illness coverage, add-ons, and preventive care options making it not the most ideal choice for those who prefer customization.
Peppermint Pet Insurance: Key Takeaways
- Pets covered: Dog, cat
- Plans: Lite, Base, Plus, Prime
- Annual Coverage Options: $1,500, $3,000, $5,000, $10,000
- Premium: From €12.94/month (Approximate)
- Reimbursement rate: 80%
- Annual deductible: $100 (Age-based)
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Our review of Peppermint Pet Insurance
Peppermint offers four pet insurance plans: Lite ($1,500), Base ($3,000), Plus ($5,000), and Prime ($10,000). The reimbursement rate is 80%, and the deductible is $100 (age-based), which is relatively low.
The annual coverage limits vary significantly among the plans, with the Lite plan offering $1,500 per accident, while the Prime plan offers up to $10,000 per year overall. This makes the Prime plan more robust compared to some competitors but less comprehensive than those offering higher coverage options like Fetch Pet Insurance ($15,000) or unlimited annual limits, such as Trupanion or Spot Pet Insurance.
Peppermint Pet Insurance covers exam fees, hospitalization, surgery, diagnostics, medication, and specialist referrals. All plans include coverage for alternative therapies and behavioural therapy, pet ownership assistance, and cremation or burial expenses for insured accidents or illnesses.
Peppermint however does not cover dental illnesses, pre-existing conditions, preventive care such as nail trims and flea control, spay or neuter surgery, and euthanasia unless recommended due to an insured accident or illness. Peppermint also does not offer add-ons, wellness options, or vet-direct payment, unlike Trupanion Pet Insurance which provides this option.
Peppermint's premiums are lower than average, with the monthly pet insurance cost (starting at around $12.94 for the Lite plan) being generally more affordable compared to other providers like Petsecure and Fetch. This makes it an attractive option for budget-conscious pet owners, despite the lack of unlimited coverage.
Users appreciate the inclusion of alternative treatments and the low deductible but note the lack of dental illness coverage and customization options as drawbacks. The absence of a 24/7 pet health hotline and wellness coverage are also cited as significant cons, making it less competitive compared to providers offering more comprehensive services and support.
Overall, Peppermint Pet Insurance is best suited for budget-conscious pet owners who need simple yet comprehensive coverage for essential medical needs, including alternative therapies, but can manage without dental illness coverage and wellness options.
Pros and Cons of Peppermint Pet Insurance
Advantages
- Diverse Plan Options: Peppermint offers four plans (Lite, Base, Plus, Prime) with various coverage limits, catering to different needs and budgets.
- Comprehensive Coverage: All plans cover exam fees, hospitalization, surgery, diagnostics, medication, and specialist referrals.
- Alternative and Behavioral Therapies: Coverage for alternative therapies and behavioural therapy is included in most plans.
- Low Deductible: The deductible is $100, which is relatively low compared to some other insurers.
- Affordable Premiums: Monthly premiums are lower than average, making it a budget-friendly option.
- Pet Ownership Assistance: Additional support like kennel fees for owner medical emergencies and holiday trip cancellation fees is included.
Disadvantages
- No Dental Illness Coverage: Unlike some competitors, Peppermint does not cover dental illnesses.
- No Add-Ons: There are no options for add-ons, limiting customization of the insurance plan.
- Age-Based Deductibles: As pets age, the deductible increases, which can raise costs over time.
- No Unlimited Coverage: The maximum coverage limit is $10,000, with no unlimited option.
- No Vet-Direct Payment: Peppermint does not offer direct payments to vets, requiring pet owners to pay upfront and seek reimbursement.
- No Wellness Coverage: Preventive care like vaccinations and routine check-ups are not covered.
- No 24/7 Customer Support: There is no pet health hotline available.
Before you settle for Peppermint pet insurance, you must look at how it fares against the other providers. You can use our free tool below to compare personalized quotes from Canada's best pet insurance companies like Fetch Pet Insurance and Pets Plus Us.
Compare the best pet insurance plans on the market!
What does Peppermint pet insurance cover?
Peppermint Pet Insurance covers a wide array of medical expenses, ensuring that pets receive comprehensive care. The coverage includes:
| Coverage Details | Lite | Base | Plus | Prime |
|---|---|---|---|---|
| Accident Coverage | $1,500 per accident | $1,500 per accident | $2,500 per accident | $5,000 per accident |
| Illness Coverage | $1,500 per illness | $2,500 per illness | $5,000 per illness | |
| Alternative Therapy and Medical Devices | $350 per year | $350 per year | $350 per year | $350 per year |
| Behavioural Therapy | ||||
| Annual Coverage Limit | $1,500 | $3,000 | $5,000 | $10,000 |
| Reimbursement (Inc exam fees, taxes) | 80% | 80% | 80% | 80% |
Peppermint Pet Insurance Coverage in detail
Veterinary Services (All Plans)
- Veterinary care consultation fees
- Hospitalization
- Surgery
- Diagnostics
- Medication
- Nursing
- Prescription food (up to $75 per year)
- Specialist referral
- Medical devices
- Alternative therapies
- Behavioral therapies (Base, Plus, Prime plans)
- Taxes on applicable services
Accident Coverage (All Plans)
- Coverage for veterinary services resulting from an accident
- Coverage limit per incident (does not renew annually)
Illness Coverage (Base, Plus, Prime Plans)
- Coverage for veterinary services for illness conditions
- Annual renewal of coverage limit
Additional Coverages (All Plans)
Prescription Food:
- Coverage up to $75 per year for prescription food
- No deductible, but co-insurance applies
Alternative Therapies:
- Coverage for treatments performed or authorized by a veterinarian
- Annual renewal of coverage limit
Behavioral Therapies (Base, Plus, Prime Plans):
- Coverage for consultations and treatments by certified animal behavioural therapists
Medical Devices:
- Coverage for veterinarian-authorized medical devices
- Prior approval required
Boarding Kennel & Cattery Fees:
- Coverage up to $25 per day for pet boarding if you are hospitalized for at least 2 days (Excludes recovery period post-discharge)
Holiday Cancellation:
- Coverage for travel and accommodation expenses if your pet requires life-saving treatment before or during your trip (Excludes bookings made less than 28 days before departure)
Lost Pet Advertising:
- Coverage for advertising and reward if your pet is stolen or goes missing
- Prior approval required
- Excludes payments to family members or household employees
Cremation or Burial Expenses:
- Coverage for cremation or burial costs if your pet dies from an insured accident or illness
- Includes the cost of one keepsake urn
What is the waiting period for Peppermint coverage?
Overall, Peppermint's waiting periods are in line with industry standards. Peppermint Pet Insurance has a waiting period of 48 hours for accidents, 14 days for illnesses, and six months for cruciate ligament injuries and intervertebral disc disease.
What does Peppermint pet insurance not cover?
Peppermint Pet Insurance does have certain exclusions, which are important for potential customers to be aware of:
- Pre-existing conditions
- Preventive or elective treatments such as nail trims
- Flea control
- Spay or neuter surgery
- Euthanasia unless recommended by a vet due to an insured accident or illness
Exclusions for Accident Coverage:
- Cruciate ligament injuries, intervertebral disc disease, patellar luxation, gastric torsion, and intussusception (considered illness conditions)
- Injuries due to underlying medical conditions
- Recurrent accidents
- Injuries from your pet's activities
- Prescription food, alternative therapies, behavioural problems, medical devices (separate limits)
- Intentional acts leading to injury
- Behavioural problems-related accidents
- Treatment for arthritis and degenerative joint problems
- Illnesses from drinking contaminated water
- Consequential damage or secondary conditions
- Dental problems
Exclusions for Illness Coverage:
- Prescription food, alternative therapies, behavioural problems, medical devices (separate limits)
- Dental problems
Limitations and Coordination of Benefits
- Claims are covered proportionally if you have multiple pet health insurance policies
- No double reimbursement beyond the total claim amount
Behavioural Coverage
- Excludes obedience training, correctional devices, eating disorders, dietary indiscretion injuries
How much does Peppermint pet insurance cost?
The cost of Peppermint pet insurance, like other providers, depends on a host of factors like the breed, age, and health of the pet. However, here are quotes we obtained for a 4-year-old Labrador Retriever in Ontario.
| Coverage Details | Lite | Base | Plus | Prime |
|---|---|---|---|---|
| Accident Coverage | $1,500 per accident | $1,500 per accident | $2,500 per accident | $5,000 per accident |
| Illness Coverage (per year) | $1,500 per illness | $2,500 per illness | $5,000 per illness | |
| Coverage Rate | 80% | 80% | 80% | 80% |
| Deductible Type | $100* per incident | $100* annually | $100* annually | $100* annually |
| Monthly Premium | $12.94 | $35.52 | $62.86 | $85.41 |
*Age-based deductible: The deductible starts at $100, but it increases as your pet ages: it goes up to $200 at five years old, $400 at seven years old, and $500 for pets aged 10 and older.
Before settling on Peppermint pet insurance, make sure to compare all the best offers currently on the market using our free online tool below.
Compare the best pet insurance plans on the market!
How do I buy a pet insurance plan with Peppermint?
You can buy your Peppermint Pet Insurance online by getting a quote on the website. You will need to share basic information like your pet's name, age, location, and the name of the primary vet practice. The process takes a whole of two minutes and then all you need to do is make your payment to secure the policy.
How can I contact Peppermint Pet Insurance?
You can get in touch with Peppermint Pet Insurance customer care through one of the following ways:
Office Location:
301-600 Empress Street Winnipeg, Manitoba R3G 0R5
Office Hours:
- Monday – Thursday: 7:00 AM – 9:00 PM CST
- Friday: 7:00 AM – 8:00 PM CST
- Saturday: 8:00 AM – 7:00 PM CST
Get in Touch: Speak directly with a member of Peppermint Pet Insurance's customer care team for personalized assistance.
- By Email: Reach out to them at [email protected]
- By Phone: Call them at 1-833-678-MINT (6468)
How do I file a claim with Peppermint pet insurance?
You can file a claim with Peppermint Pet Insurance by following a few simple steps:
Step 1: Download the Claim Form
To begin the claim process, customers should download the claim form. You can sign in to the customer portal to access your customized claim form or download the generic Peppermint Claim form right here.
Step 2: Visit Your Vet
Next, you should visit their veterinarian as usual. After paying the bill, you need to ask your vet to complete and sign the claim form.
Step 3: Sign the Form and Send It
Finally, customers should sign the completed form and submit it for processing. For the fastest results, you can submit your claim online or email it to [email protected]. Peppermint is underwritten by Petline Insurance and therefore claims are managed by Petline. Once your claim is verified and approved you will receive your reimbursement.
Watch out!
Claims must be submitted within 6 months of the date of treatment. For cancelled policies, claims must be submitted within 60 days of cancellation.
How to cancel Peppermint pet insurance?
To cancel your Peppermint Pet Insurance policy, follow these steps:
- Request in Writing: Submit your cancellation request by mail, fax, or email. Include your name and all policy information.
- Cancellation Effective Date: Cancellation will be effective upon receipt of your notice. You will receive a refund for any prepaid premiums beyond the current monthly invoice period.
- Provider's Right to Cancel: The policy may also be cancelled by Peppermint for reasons like non-payment of premiums or false claims. You will receive a refund for prepaid premiums beyond the current monthly invoice period, with coverage ending on the last day of the current period. Cancellation will occur no less than 15 days after written notice is received.
