Peppermint Pet Insurance 2025: Canadian Coverage, Costs & Customer Reviews
Our expert's opinion on Peppermint
Peppermint, underwritten by Petline Insurance Company, offers a straightforward range of pet insurance plans in Canada, covering accident-only or combined accident and illness, each with clear annual limits ($1,500 to $10,000), a fixed 80% reimbursement (subject to decrease with frequent claims), and deductibles that rise as pets age ($100–$500). Pricing is highly competitive relative to major Canadian competitors, especially in the budget segment, while alternative therapies, behavioural coverage, and pet ownership assistance (kennel fees, trip cancellation, lost pet ads, cremation) are notable inclusions for the price, though the absence of wellness options and stricter customization may deter those seeking premium features. Peppermint best suits owners of young or middle-aged pets, especially dogs and cats with no major pre-existing conditions, and those requiring necessary coverage at entry-level cost, rather than seeking high annual limits or maximum flexibility. Petline Insurance Company, part of Definity Financial, is Canada’s first dedicated pet insurer with substantial experience and financial stability; Trustpilot reviews average 3.4/5 from over 100 entries, and claims are typically processed within two weeks, aligning with national market standards.
- ✅Lowest entry-level deductible among budget-friendly plans
- ✅Alternative and behavioural therapies included
- ✅Pet ownership supports: kennel, travel, lost pet, cremation
- ✅All plans open to cats and dogs of any age
- ✅Short accident waiting period: 48 hours
- ✅No upfront medical exam for most new pets
- ✅Transparent claims handling policy and clear limits
- ❌Deductibles automatically rise as pets age
- ❌No dental illness or routine wellness coverage
- ❌Reimbursement rate may decrease after claims review
- ❌Annual limits max out at $10,000
- ❌No option to customize reimbursement or buy add-ons
Score- ✅Lowest entry-level deductible among budget-friendly plans
- ✅Alternative and behavioural therapies included
- ✅Pet ownership supports: kennel, travel, lost pet, cremation
- ✅All plans open to cats and dogs of any age
- ✅Short accident waiting period: 48 hours
- ✅No upfront medical exam for most new pets
- ✅Transparent claims handling policy and clear limits
Our expert's opinion on Peppermint
- ✅Lowest entry-level deductible among budget-friendly plans
- ✅Alternative and behavioural therapies included
- ✅Pet ownership supports: kennel, travel, lost pet, cremation
- ✅All plans open to cats and dogs of any age
- ✅Short accident waiting period: 48 hours
- ✅No upfront medical exam for most new pets
- ✅Transparent claims handling policy and clear limits
- ❌Deductibles automatically rise as pets age
- ❌No dental illness or routine wellness coverage
- ❌Reimbursement rate may decrease after claims review
- ❌Annual limits max out at $10,000
- ❌No option to customize reimbursement or buy add-ons
Score- ✅Lowest entry-level deductible among budget-friendly plans
- ✅Alternative and behavioural therapies included
- ✅Pet ownership supports: kennel, travel, lost pet, cremation
- ✅All plans open to cats and dogs of any age
- ✅Short accident waiting period: 48 hours
- ✅No upfront medical exam for most new pets
- ✅Transparent claims handling policy and clear limits
Why Trust HelloSafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis. Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
Peppermint Guarantees
Peppermint offers four pet insurance plans—Lite (accident-only), Base, Plus, and Prime—providing a tiered mix of accident, illness, and behavioural coverage for dogs and cats with reimbursement set at 80% but subject to decrease after review.
Deductibles are age-based and range from $100 per incident (Lite) to $500 per year for older pets (Base, Plus, Prime), while annual limits span from $1,500 (Lite) to $10,000 (Prime), but preventative care and dental illnesses are excluded.
All plans include alternative therapies, prescription food ($75/year), medical devices, and ownership assistance (kennel, trip cancellation, cremation, lost pet ads), which is rare among Canadian providers at entry-level.
Key strengths are broad basic protection, connection to Canadian-regulated Petline, and behavioural therapy coverage in illness plans; but the lack of customizable deductibles/reimbursement rates, no wellness option, and increasing deductible with age count as limitations. Exclusions—like pre-existing conditions, most preventive/elective procedures, and dental illness—are strict, and no discounts are available (multi-pet, healthy pet, etc.).
| Name of coverage | Lite | Base | Plus | Prime |
|---|---|---|---|---|
| Plan positioning | Accident-only entry-level | Balanced accident & illness (budget) | Accident & illness (enhanced) | Accident & illness (maximum) |
| Type of coverage (accident, illness, both, etc.) | Accidents only | Accidents and illnesses | Accidents and illnesses | Accidents and illnesses |
| Animals covered (dogs, cats, other) | Dogs and cats | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | 80% (can decrease with claim history) | 80% (subject to review) | 80% (subject to review) | 80% (subject to review) |
| Annual reimbursement limit | $1,500 per accident | $1,500 accident / $1,500 illness ($3,000 total) | $2,500 accident / $2,500 illness ($5,000 total) | $5,000 accident / $5,000 illness ($10,000 total) |
| Deductible (annual or per claim) | $100 per incident (age increases not specified) | Annual: $100–$500 (based on age; $100<5yrs, $200=5-6yrs, $400=7-9yrs, $500=10+yrs) | Annual: $100–$500 (based on age; $100<5yrs, $200=5-6yrs, $400=7-9yrs, $500=10+yrs) | Annual: $100–$500 (based on age; $100<5yrs, $200=5-6yrs, $400=7-9yrs, $500=10+yrs) |
| Age limits for enrollment (for dogs and cats) | Not Communicated | Not Communicated | Not Communicated | Not Communicated |
| Pre-enrollment health questionnaire | Required (recent exam, up-to-date vaccines) | Required (recent exam, up-to-date vaccines) | Required (recent exam, up-to-date vaccines) | Required (recent exam, up-to-date vaccines) |
| Waiting period (illness) | N.C. | 14 days | 14 days | 14 days |
| Waiting period (accident) | 48 hours | 48 hours | 48 hours | 48 hours |
| Lifetime coverage once subscribed | ✅ | ✅ | ✅ | ✅ |
| Vet consultations (regular + emergency) | ✅ (accident only) | ✅ (accident & illness) | ✅ (accident & illness) | ✅ (accident & illness) |
| Medications | ✅ (accident only) | ✅ (accident & illness) | ✅ (accident & illness) | ✅ (accident & illness) |
| Hospitalization | ✅ (accident only) | ✅ (accident & illness) | ✅ (accident & illness) | ✅ (accident & illness) |
| Surgery (including anesthesia) | ✅ (accident only) | ✅ (accident & illness) | ✅ (accident & illness) | ✅ (accident & illness) |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ (accident only) | ✅ (accident & illness) | ✅ (accident & illness) | ✅ (accident & illness) |
| Dental care (includes scaling and procedures) | ❌ | ❌ | ❌ | ❌ |
| Preventive care package (vaccines, etc.) | ❌ | ❌ | ❌ | ❌ |
| Alternative medicine (osteopathy, acupuncture, etc.) | ✅ (limit applies) | ✅ (limit applies) | ✅ (limit applies) | ✅ (limit applies) |
| Travel coverage (countries included, duration) | Canada, USA (temporary visits) | Canada, USA (temporary visits) | Canada, USA (temporary visits) | Canada, USA (temporary visits) |
| Civil liability | ❌ | ❌ | ❌ | ❌ |
| Euthanasia | Only if vet recommended for covered event | Only if vet recommended for covered event | Only if vet recommended for covered event | Only if vet recommended for covered event |
| Death & cremation coverage | Cremation/burial for covered accident | Cremation/burial for covered event | Cremation/burial for covered event | Cremation/burial for covered event |
| Theft or loss of pet + search expenses | Lost pet advertising costs (pre-approval) | Lost pet advertising costs (pre-approval) | Lost pet advertising costs (pre-approval) | Lost pet advertising costs (pre-approval) |
| Boarding fees (if owner is hospitalized) | Up to $25/day if owner is hospitalized ≥2 days | Up to $25/day if owner is hospitalized ≥2 days | Up to $25/day if owner is hospitalized ≥2 days | Up to $25/day if owner is hospitalized ≥2 days |
👉 The deductible rises with pet age and the reimbursement rate may drop to 70% or 50% if claim frequency or cost is high. There is no coverage for wellness/preventative care (such as vaccination, parasite treatments, or spay/neuter) or for dental illnesses under any plan. Pre-existing and most congenital conditions are excluded except if the pet has been symptom-free for a defined period (6–12 months, subject to approval).
Compare Peppermint’s different plan levels to find the best coverage and price for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Peppermint Exclusions
Peppermint’s exclusions follow standard industry norms—pre-existing and congenital conditions (present before sign-up or during waiting periods) are systematically excluded, as are preventive, elective, and cosmetic treatments.
Notably, dental illnesses (other than certain trauma), spay/neuter, flea control, and routine wellness are always excluded, with no wellness upgrade available, making Peppermint’s stance stricter than competitors who offer wellness options.
Any health issues arising in a period without an annual vet check or during waiting periods are also excluded permanently.
Geographic, administrative, and product limitations—such as unapproved medications or unreported professional or risk activities—further restrict coverage, and all coverages are subject to review for claim frequency, potentially reducing future reimbursement rates.
| Exclusions | Details |
|---|---|
| Medical exclusions | • Pre-existing or congenital conditions (incl. bilateral) • Symptoms/treatments during waiting period • Conditions not disclosed or documented at time of enrollment • Dental illnesses (all except limited trauma) • Hereditary diseases present before coverage • Conditions from missed annual check-up • Untreated animals or lapsed vaccinations • Preventive or elective care (cleanings, nail trims) • Spay/neuter and related care • Flea/tick prevention and routine wellness |
| Behavioral exclusions | • Obedience/education classes • Ingestion of objects, specific feeding or discipline issues |
| Administrative/coverage exclusions | • Unpaid premiums • Incomplete medical records • Claims for unapproved medications/supplements • Commercial/professional, risky or unapproved animal activities • Claims for events outside covered geographies (Canada/temporary USA only) |
| Geographic exclusions | • Animal or owner outside Canada or not resident for at least 6 months/year • Care or procedures outside coverage zone |
| Situational exclusions | • Conditions related to pregnancy/breeding • Injuries due to intentional acts • Negligence/failure to follow vet advice • War, nuclear events, terrorism, or natural disasters |
• Symptoms/treatments during waiting period
• Conditions not disclosed or documented at time of enrollment
• Dental illnesses (all except limited trauma)
• Hereditary diseases present before coverage
• Conditions from missed annual check-up
• Untreated animals or lapsed vaccinations
• Preventive or elective care (cleanings, nail trims)
• Spay/neuter and related care
• Flea/tick prevention and routine wellness
• Ingestion of objects, specific feeding or discipline issues
• Incomplete medical records
• Claims for unapproved medications/supplements
• Commercial/professional, risky or unapproved animal activities
• Claims for events outside covered geographies (Canada/temporary USA only)
• Care or procedures outside coverage zone
• Injuries due to intentional acts
• Negligence/failure to follow vet advice
• War, nuclear events, terrorism, or natural disasters
Peppermint Prices
Peppermint positions itself as an affordable but limited option in the Canadian pet insurance market, targeting budget-conscious owners who need essential protection without high premiums.
Monthly prices are notably below the national average, and the low entry deductible helps keep upfront costs predictable for routine claims.
Coverage is less generous than mid- or high-end competitors, with annual caps and no wellness or dental coverage, but basic accident and illness expenses are well-managed for the price.
The lack of customizable reimbursement rates and digital-first model further contributes to a lean cost structure, making Peppermint highly competitive against traditional insurers for customers prioritizing price over breadth.
Though trade-offs in comprehensive features exist, Peppermint is among the most accessible options for straightforward pet insurance.
| Lite Plan | Base Plan | Plus Plan | Prime Plan | |
|---|---|---|---|---|
| Young cat (2–4 years) | $13/month | $27/month | $45/month | $64/month |
| Senior cat (7–8 years) | $18/month | $36/month | $61/month | $87/month |
| Small breed dog | $15/month | $34/month | $60/month | $81/month |
| Small breed dog (2–4 years) | $15/month | $34/month | $60/month | $81/month |
| Large breed dog (2–4 years) | $18/month | $39/month | $66/month | $88/month |
| Senior dog (7–8 years) | $28/month | $55/month | $91/month | $124/month |
Compare Peppermint plans to see which coverage and monthly premium works best for your pet and budget.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Peppermint Promo Codes
| Peppermint Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Peppermint Reimbursement Details
With Peppermint’s Prime plan, reimbursements are simple: after you pay your annual deductible, 80% of eligible veterinary costs (up to your yearly coverage limit) are reimbursed, making caring for your pet more affordable and stress-free.
✅ Example 1: Emergency surgery for a swallowed object
Total vet costs: $2,900 (consultation, X-rays, surgery, hospitalization, medication)
Deductible to subtract: $100 (first claim of the year for a 4-year-old dog)
Reimbursable amount after deductible: $2,900 – $100 = $2,800
80% reimbursed: $2,800 × 80% = $2,240
👉 You receive a reimbursement of $2,240.
ℹ️ Only the first claim of the policy year uses your deductible; after that, claims are reimbursed from the first dollar up to your annual limit.
✅ Example 2: Hospitalization and treatment for pancreatitis
Total vet costs: $3,600 (exam, blood work, ultrasound, hospital stay, treatment)
Deductible already paid this policy year
Reimbursed at 80%: $3,600 × 80% = $2,880
👉 You receive $2,880.
ℹ️ As the deductible has already been met, the plan reimburses straight at 80% for subsequent claims until the policy renewal or coverage cap.
✅ Example 3: Behavioural therapy for anxiety
Total vet costs: $800 (specialist consultation, follow-up, medication)
Deductible already paid earlier in the year
Reimbursed at 80%: $800 × 80% = $640
👉 You receive $640.
ℹ️ The annual coverage limit for the Prime plan is $10,000, allowing strong protection even if additional treatments arise during the year.
Peppermint Assistance
| Assistance Peppermint | Available? | Details |
|---|---|---|
| Advance payment | ❌ | N.C. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ❌ | N.C. |
| Paperless claims process | ✅ | Claims are submitted via an online portal with supporting documents required for each claim. No app; everything is handled through the website. |
| Emergency vet service | ❌ | No 24/7 vet health hotline or teleconsultation is offered. |
| Vet/clinic partner network | ❌ | N.C. |
| Coverage abroad | ✅ | Insured during temporary travel in the United States. No coverage for long-term or overseas stays beyond US. |
No app; everything is handled through the website.
No coverage for long-term or overseas stays beyond US.
Customer Reviews of Peppermint
| Review platform | Rating and number of reviews |
|---|---|
| Forbes Advisor | 3.1/5 (100+ reviews) |
We analyzed reviews from the sites listed above.
On the positive side, customers who subscribed to Peppermint often mention:
- A low initial deductible that makes coverage affordable for younger pets.
- An inclusion of alternative therapies and medical devices in all plan levels, appreciated by those seeking more holistic coverage.
- A straightforward and clear claim process, with digital documentation and responsive customer service frequently cited.
- Behavioural therapy and pet ownership assistance, such as lost pet advertising and emergency kennel fees, are seen as valuable additions in standard plans.
- Plans with broad eligibility and easy access across Canada are recognised as a plus for frequent travellers.
On the negative side:
- A deductible that increases as the pet ages, which catches some users by surprise and may influence long-term affordability.
- A lack of customization options for reimbursement rates and deductibles, seen as a limitation for those wanting more personalized coverage.
- An absence of coverage for dental illness and preventive or elective veterinary care, which disappoints some policyholders.
- No discounts or loyalty benefits available, even for multi-pet households or long-term clients, which is viewed as lacking compared to competitors.
- A maximum annual coverage limit perceived as too low in cases of serious or chronic illness, especially for basic and mid-tier plans.
Contact Peppermint
| Peppermint Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Call 1-833-678-6468 for claims support. Submit your completed claims form (with invoices signed by you and your veterinarian, medical records, and supporting documentation) by mail or via the customer portal. Claims must be submitted within 6 months of the treatment date. Reimbursement is made by the method chosen on your form (typically direct deposit or cheque). Average processing time varies—contact customer service for status updates. |
| To obtain a certificate of insurance | Contact Peppermint customer service by phone at 1-833-678-6468 or via your customer portal. You may be asked for your policy number and pet’s details. The certificate can be sent by email or mail upon request. |
| To contact assistance | Phone: 1-833-678-6468 Email: info@mypeppermint.ca Postal mail: Peppermint Pet Insurance, Petline Insurance Company, 600 Empress Street, Suite 301, Winnipeg, MB R3G 0R5 Customer service can help with general questions, plan information, and support requests. |
| To cancel my policy | Call 1-833-678-6468 or write to info@mypeppermint.ca to request cancellation. Provide your policy number, pet’s name, and written confirmation of your intent to cancel. The cancellation is effective at the end of the current monthly period; a refund is issued for any unused premium. No specific notice period is required, but written or phone confirmation is mandatory. Supporting identification may be requested for security. |
Submit your completed claims form (with invoices signed by you and your veterinarian, medical records, and supporting documentation) by mail or via the customer portal.
Claims must be submitted within 6 months of the treatment date.
Reimbursement is made by the method chosen on your form (typically direct deposit or cheque).
Average processing time varies—contact customer service for status updates.
You may be asked for your policy number and pet’s details.
The certificate can be sent by email or mail upon request.
Email: info@mypeppermint.ca
Postal mail: Peppermint Pet Insurance, Petline Insurance Company, 600 Empress Street, Suite 301, Winnipeg, MB R3G 0R5
Customer service can help with general questions, plan information, and support requests.
Provide your policy number, pet’s name, and written confirmation of your intent to cancel.
The cancellation is effective at the end of the current monthly period; a refund is issued for any unused premium.
No specific notice period is required, but written or phone confirmation is mandatory. Supporting identification may be requested for security.
FAQ
Do I have to pay upfront for veterinary fees with Peppermint?
Yes, you must pay your veterinarian directly for all services. Peppermint does not offer advance payment or third-party direct payment to clinics. After you pay, you submit your claim and, if approved, receive reimbursement for eligible care according to your coverage and reimbursement level. This means you need to be able to cover the cost of treatment upfront.
How do I cancel my pet insurance policy with Peppermint?
You can cancel your Peppermint policy at any time by calling or emailing customer service with your policy number and written cancellation request. There is no specific notice period required—cancellation takes effect at the end of the current paid month. Be sure to provide any identification or supporting documents requested for verification.
Which animals are eligible for Peppermint pet insurance?
Peppermint pet insurance is available for cats and dogs residing in Canada at least six months per year. At enrollment, your pet must have had a recent annual exam, be up to date with vaccinations, and have received all recommended preventive treatments. Certain age and medical requirements may apply, especially for senior pets.
What does Peppermint pet insurance not cover?
Peppermint does not cover pre-existing conditions, preventive and elective routine care, flea control, spay/neuter surgery, or dental illness. Some exclusions can be reviewed after 6–12 months symptom-free with veterinary confirmation. Always consult your policy to understand specific exclusions and limitations.
What are the waiting periods on Peppermint policies?
After starting your policy, accidents are covered following a 48-hour waiting period. Illnesses and behavioural therapy are covered after a 14-day waiting period. Certain conditions, such as cruciate ligament issues, are subject to a 6-month waiting period. No coverage is provided for conditions arising or noted before or during these waiting times.
Does Peppermint offer any discounts or wellness options?
No, Peppermint does not provide multi-pet, loyalty, or healthy pet discounts. Additionally, there are no routine wellness add-ons (such as annual exams, vaccinations, or dental cleanings). Coverage focuses on accidents, illnesses, and included support services appropriate to your plan selection.
Do I have to pay upfront for veterinary fees with Peppermint?
Yes, you must pay your veterinarian directly for all services. Peppermint does not offer advance payment or third-party direct payment to clinics. After you pay, you submit your claim and, if approved, receive reimbursement for eligible care according to your coverage and reimbursement level. This means you need to be able to cover the cost of treatment upfront.
How do I cancel my pet insurance policy with Peppermint?
You can cancel your Peppermint policy at any time by calling or emailing customer service with your policy number and written cancellation request. There is no specific notice period required—cancellation takes effect at the end of the current paid month. Be sure to provide any identification or supporting documents requested for verification.
Which animals are eligible for Peppermint pet insurance?
Peppermint pet insurance is available for cats and dogs residing in Canada at least six months per year. At enrollment, your pet must have had a recent annual exam, be up to date with vaccinations, and have received all recommended preventive treatments. Certain age and medical requirements may apply, especially for senior pets.
What does Peppermint pet insurance not cover?
Peppermint does not cover pre-existing conditions, preventive and elective routine care, flea control, spay/neuter surgery, or dental illness. Some exclusions can be reviewed after 6–12 months symptom-free with veterinary confirmation. Always consult your policy to understand specific exclusions and limitations.
What are the waiting periods on Peppermint policies?
After starting your policy, accidents are covered following a 48-hour waiting period. Illnesses and behavioural therapy are covered after a 14-day waiting period. Certain conditions, such as cruciate ligament issues, are subject to a 6-month waiting period. No coverage is provided for conditions arising or noted before or during these waiting times.
Does Peppermint offer any discounts or wellness options?
No, Peppermint does not provide multi-pet, loyalty, or healthy pet discounts. Additionally, there are no routine wellness add-ons (such as annual exams, vaccinations, or dental cleanings). Coverage focuses on accidents, illnesses, and included support services appropriate to your plan selection.
