Peppermint Pet Insurance Canada Review 2025: Pros, Cons & Cost
Our expert's opinion on Peppermint
Peppermint Pet Insurance, underwritten by Petline Insurance Company, offers four plans: Lite (accident-only), Base, Plus and Prime, with a standard 80% reimbursement (20% co-insurance) and age-based deductibles that increase as pets get older.General assessment: solid budget-focused offering — plans range from accident-only to a $10,000 annual maximum on Prime, accident limits per incident from $1,500 to $5,000, an 80% standard reimbursement that may be reduced to 70%, 60% or 50% based on claims history, and deductibles starting at $100; no dedicated wellness/preventive budget except a $75 prescription-food benefit.Compared to main competitors, Peppermint competes on price and simplicity, prioritizing low entry premiums and an accident-only option over premium limits, extensive dental coverage, or wellness add-ons.Best suited for owners of young or healthy pets, budget-conscious households, and those seeking accident protection plus alternative and behavioural therapy coverage rather than comprehensive high-limit plans.Brief insurer presentation: underwritten by Petline Insurance Company; the report provides no public financial metrics or Trustpilot score; Forbes Advisor gives Peppermint a 3.1/5; claims-handling details and average reimbursement times are not specified in the available documentation, though the digital portal and standard claims submission channels are listed, and coverage remains straightforward and practical for basic protection.
- ✅Low initial deductible ($100)
- ✅Accident-only Lite plan available
- ✅Standard 80% reimbursement
- ✅Alternative therapies included
- ✅Behavioural therapy included (except Lite)
- ✅Pet ownership benefits (boarding, advertising, cremation)
- ✅Competitive entry-level premiums
- ❌Reimbursement rate variable (can drop to 50%)
- ❌Age-based deductible increases automatically
- ❌No dental illness coverage
- ❌No wellness/preventive plan
- ❌Maximum annual coverage capped at $10,000
Our expert's opinion on Peppermint
- ✅Low initial deductible ($100)
- ✅Accident-only Lite plan available
- ✅Standard 80% reimbursement
- ✅Alternative therapies included
- ✅Behavioural therapy included (except Lite)
- ✅Pet ownership benefits (boarding, advertising, cremation)
- ✅Competitive entry-level premiums
- ❌Reimbursement rate variable (can drop to 50%)
- ❌Age-based deductible increases automatically
- ❌No dental illness coverage
- ❌No wellness/preventive plan
- ❌Maximum annual coverage capped at $10,000
Score- ✅Low initial deductible ($100)
- ✅Accident-only Lite plan available
- ✅Standard 80% reimbursement
- ✅Alternative therapies included
- ✅Behavioural therapy included (except Lite)
- ✅Pet ownership benefits (boarding, advertising, cremation)
- ✅Competitive entry-level premiums
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Peppermint Guarantees
Peppermint offers four distinct plans in 2025: Lite (positioned as an entry-level accident‑only option), Base (balanced accident & illness cover), Plus (enhanced accident & illness cover) and Prime (premium accident & illness cover). The products are underwritten by Petline Insurance Company and present a range of limits and deductibles aimed at budget‑conscious customers seeking basic to higher annual limits. Core features across plans include coverage for accidents (all plans), illness coverage on Base/Plus/Prime, inclusion of alternative and behavioural therapies (except behavioural in Lite), and a small prescription food benefit.
Reimbursement logic is standardised: policies apply a co‑insurance model with an 80% reimbursement rate (20% co‑insurance) after the deductible. The insurer’s risk‑management provisions permit adjustments to the reimbursement rate based on claims history, which may reduce the rate to 70%, 60% or a minimum of 50% after assessment. Deductible structure differs by plan: Lite uses a per‑incident deductible, while Base/Plus/Prime apply an annual, age‑based deductible that increases as the pet ages.
Annual and per‑incident limits vary by plan: accident limits are expressed per incident and do not renew, while illness limits are annual and renew each policy year. Waiting periods are short for accidents (48 hours) and longer for illnesses and certain orthopaedic conditions (14 days for illness/behavioural, six months for cruciate ligament/IVDD on illness plans). Several complementary benefits are included across all plans without co‑insurance or deductible, such as boarding fees (limited), lost pet advertising and cremation/burial benefits.
| Lite | Base | Plus | Prime | |
|---|---|---|---|---|
| Plan positioning | Entry‑level (accident only) | Balanced (accident & illness) | Enhanced (accident & illness) | Premium (accident & illness) |
| Type of coverage (accident/illness) | Accident only | Accident & illness | Accident & illness | Accident & illness |
| Animals covered (dogs, cats, other) | Dogs, cats | Dogs, cats | Dogs, cats | Dogs, cats |
| Reimbursement rate | 80% (20% co‑insurance); may be reduced by risk management | 80% (20% co‑insurance); may be reduced by risk management | 80% (20% co‑insurance); may be reduced by risk management | 80% (20% co‑insurance); may be reduced by risk management |
| Annual reimbursement limit | N/A (limits expressed per incident for accidents) | $3,000 total annual limit | $5,000 total annual limit | $10,000 total annual limit |
| Deductible (annual or per claim) | $100 per incident | Annual, age‑based deductible (see age table) | Annual, age‑based deductible (see age table) | Annual, age‑based deductible (see age table) |
| Age limits for enrollment | N.C. | N.C. | N.C. | N.C. |
| Pre-enrollment health questionnaire | N.C. | N.C. | N.C. | N.C. |
| Waiting periods (accident and illness) | Accident: 48 hours; Illness: Not covered | Accident: 48 hours; Illness/behavioural: 14 days; Cruciate/IVDD: 6 months | Accident: 48 hours; Illness/behavioural: 14 days; Cruciate/IVDD: 6 months | Accident: 48 hours; Illness/behavioural: 14 days; Cruciate/IVDD: 6 months |
| Lifetime coverage | N.C. | N.C. | N.C. | N.C. |
| Consultations | Covered for insured accidents; illness consultations covered on illness plans, subject to limits and co‑insurance | Covered for insured accidents & illnesses, subject to limits and co‑insurance | Covered for insured accidents & illnesses, subject to limits and co‑insurance | Covered for insured accidents & illnesses, subject to limits and co‑insurance |
| Medications | Covered when related to insured accident/illness, subject to limits | Covered when related to insured accident/illness, subject to limits | Covered when related to insured accident/illness, subject to limits | Covered when related to insured accident/illness, subject to limits |
| Hospitalization | Covered for insured events, subject to plan limits and co‑insurance | Covered for insured events, subject to plan limits and co‑insurance | Covered for insured events, subject to plan limits and co‑insurance | Covered for insured events, subject to plan limits and co‑insurance |
| Surgery | Covered for insured events, subject to plan limits and co‑insurance | Covered for insured events, subject to plan limits and co‑insurance | Covered for insured events, subject to plan limits and co‑insurance | Covered for insured events, subject to plan limits and co‑insurance |
| Diagnostic tests | Covered when related to insured accident/illness, subject to limits | Covered when related to insured accident/illness, subject to limits | Covered when related to insured accident/illness, subject to limits | Covered when related to insured accident/illness, subject to limits |
| Dental care | Dental illness not covered; non‑anesthetic dental cleaning excluded | Dental illness excluded | Dental illness excluded | Dental illness excluded |
| Preventive care | No wellness/preventive plan; prescription food benefit $75/year | No wellness/preventive plan; prescription food benefit $75/year | No wellness/preventive plan; prescription food benefit $75/year | No wellness/preventive plan; prescription food benefit $75/year |
| Alternative medicine | Included | Included | Included | Included |
| Travel coverage | Coverage valid in Canada and while travelling in the United States (USD claims adjusted 1:1 to CAD) | Coverage valid in Canada and while travelling in the United States (USD claims adjusted 1:1 to CAD) | Coverage valid in Canada and while travelling in the United States (USD claims adjusted 1:1 to CAD) | Coverage valid in Canada and while travelling in the United States (USD claims adjusted 1:1 to CAD) |
| Civil liability | N.C. | N.C. | N.C. | N.C. |
| Euthanasia | Covered only if medically recommended for an insured condition; processed under Veterinary Services limit | Covered only if medically recommended for an insured condition; processed under Veterinary Services limit | Covered only if medically recommended for an insured condition; processed under Veterinary Services limit | Covered only if medically recommended for an insured condition; processed under Veterinary Services limit |
| Death & cremation coverage | Cremation/burial reimbursed if death from insured accident/illness; includes one keepsake urn | Cremation/burial reimbursed if death from insured accident/illness; includes one keepsake urn | Cremation/burial reimbursed if death from insured accident/illness; includes one keepsake urn | Cremation/burial reimbursed if death from insured accident/illness; includes one keepsake urn |
| Theft or loss + search expenses | Lost pet advertising and reward reimbursed with prior approval | Lost pet advertising and reward reimbursed with prior approval | Lost pet advertising and reward reimbursed with prior approval | Lost pet advertising and reward reimbursed with prior approval |
| Boarding fees | Boarding kennel & cattery fees reimbursed up to $25/day if owner hospitalised ≥2 days | Boarding kennel & cattery fees reimbursed up to $25/day if owner hospitalised ≥2 days | Boarding kennel & cattery fees reimbursed up to $25/day if owner hospitalised ≥2 days | Boarding kennel & cattery fees reimbursed up to $25/day if owner hospitalised ≥2 days |
The policy wording specifies a number of exclusions that policyholders must note. Pre‑existing conditions, many elective treatments, routine preventive care and dental illness are excluded. Coverage for medical devices requires prior approval. The products do not provide direct payment to veterinarians or a 24/7 vet hotline. Overall strengths include affordable entry points and coverage for alternative therapies; primary limitations include capped annual limits (top plan max $10,000), age‑based increasing deductibles and limited preventive care.
Pre‑existing conditions and conditions showing clinical signs before the policy start date or during waiting periods are permanently excluded, although some exclusions may be reviewed for removal after 6–12 months symptom‑free. Congenital conditions evident before inception are excluded, and bilateral rules apply (a condition present on one side may be considered pre‑existing on the other). Many elective and routine treatments are excluded, including spaying/neutering and associated complications, non‑anesthetic dental cleaning, routine flea control (except flea allergy dermatitis) and routine food costs beyond the small prescription food benefit.
Key limitations include the automatic age‑based increases to the annual deductible on Base/Plus/Prime plans, the insurer’s ability to adjust the reimbursement rate downward based on prior claims, capped annual limits (highest plan limit $10,000), and the absence of a wellness/preventive care option. The products do not offer direct payment to veterinarians and there is no 24/7 vet hotline. Prospective policyholders should consult the full policy wording and Schedule of Maximum Amounts for precise limits, approval requirements (e.g., medical devices), and any plan‑specific conditions.
Peppermint Exclusions
Peppermint’s policy excludes a range of routine, elective and pre‑existing conditions, with notable emphasis on dental illness, spaying/neutering and many preventive or cosmetic treatments that are not eligible for reimbursement.
Flea control is generally excluded (flea allergy dermatitis is an exception), non‑anesthetic dental cleanings and routine food costs beyond the $75 prescription food benefit are not covered, and euthanasia is only covered when medically recommended for an insured condition.
Pre‑existing conditions and any condition showing clinical signs before the policy start date or during waiting periods are permanently excluded, and the insurer applies a bilateral rule that can treat the opposite side as pre‑existing if one side was affected.
Events arising from war, nuclear incidents or natural disasters and accidents or illnesses intentionally caused by the policyholder are also excluded.
| Exclusions | Details |
|---|---|
| Medical exclusions | Elective procedures; cosmetic or non‑medical procedures; nail trims; non‑anesthetic dental cleanings; routine food costs beyond the $75 prescription food benefit; flea control (except flea allergy dermatitis). |
| Preventive and routine exclusions | No wellness/preventive coverage; routine vaccinations/prophylaxis and general preventive care not covered under policy wording. |
| Reproductive and elective exclusions | Spaying/neutering and any complications arising from these procedures; pregnancy and associated conditions. |
| Pre‑existing & bilateral conditions | Any condition that occurred or showed clinical signs before policy start date or during waiting periods; bilateral rule applies (condition on one side may render the other side excluded); exclusions may be reviewed after 6–12 months symptom‑free. |
| Dental exclusions | Dental problems (illness‑related) explicitly excluded. |
| Congenital & hereditary exclusions | Umbilical hernias and congenital conditions evident before the policy start date are excluded. |
| Intentional acts and misconduct | Accidents or illnesses intentionally caused by the policyholder are excluded. |
| External events & force majeure | Conditions or costs arising from war, nuclear incidents or natural disasters are excluded. |
Peppermint Prices
Peppermint’s pricing sits primarily in the entry‑level to mid‑range segment: it offers a low‑cost accident‑only Lite plan and progressively higher limits in the Base, Plus and Prime plans, with the Prime plan representing the most comprehensive (and costly) option.
Competitiveness is driven by a standard 80% reimbursement level (subject to downward adjustment based on claims history), relatively low starting deductibles ($100) and modest annual limits (up to $10,000 on the top plan), which together create affordable monthly premiums but cap exposure for high‑cost claims.
The product design includes digital distribution elements (an online customer portal) and value adds such as coverage for alternative therapies, behavioural therapy (on illness plans), medical devices (with prior approval), and small ancillary benefits (boarding fees, lost pet advertising, cremation), which support the pricing strategy compared with more traditional players that may offer broader lifetime or wellness options.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Lite Plan | Base Plan | Plus Plan | Prime Plan |
|---|---|---|---|---|
| Dog Labrador 1 year | $13.72 | $48.62 | $86.88 | $118.08 |
| Dog Labrador 3 years | $13.72 | $48.62 | $86.88 | $118.08 |
| Dog Labrador 7 years | $13.72 | $48.62 | $86.88 | $118.08 |
| Dog Australian Shepherd 1 year | $13.20 | $30.21 | $53.99 | $73.38 |
| Dog Australian Shepherd 3 years | $13.20 | $30.21 | $53.99 | $73.38 |
| Dog Australian Shepherd 7 years | $13.20 | $30.21 | $53.99 | $73.38 |
| Dog French Bulldog 1 year | $14.81 | $50.08 | $89.49 | $121.62 |
| Dog French Bulldog 3 years | $14.81 | $50.08 | $89.49 | $121.62 |
| Dog French Bulldog 7 years | $14.81 | $50.08 | $89.49 | $121.62 |
| Cat European Shorthair 1 year | $13.32 | $29.26 | $45.84 | $64.00 |
| Cat European Shorthair 3 years | $13.32 | $29.26 | $45.84 | $64.00 |
| Cat European Shorthair 7 years | $13.32 | $29.26 | $45.84 | $64.00 |
| Cat Maine Coon 1 year | N.C. | N.C. | N.C. | N.C. |
| Cat Maine Coon 3 years | N.C. | N.C. | N.C. | N.C. |
| Cat Maine Coon 7 years | N.C. | N.C. | N.C. | N.C. |
| Cat British Shorthair 1 year | N.C. | N.C. | N.C. | N.C. |
| Cat British Shorthair 3 years | N.C. | N.C. | N.C. | N.C. |
| Cat British Shorthair 7 years | N.C. | N.C. | N.C. | N.C. |
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.
How much will I be reimbursed with Peppermint?
✅ Example 1: Consultation for allergic dermatitis
Total vet costs: $150 (consultation + medication)
Deductible amount to subtract: $100 (annual deductible for a dog aged 0–5)
Amount reimbursable after deductible with the Prime plan: $150 – $100 = $50
80% of that amount reimbursed: $50 × 80% = $40
👉 You receive a reimbursement of $40.
ℹ️ The annual deductible applies once per policy year; future claims in the same year will only be reduced by remaining deductible if not fully met.
✅ Example 2: Emergency fracture surgery (accident)
Total vet costs: $3,000 (surgery, hospitalization, imaging, medication)
Deductible amount to subtract: $100 (annual deductible for a dog aged 0–5)
Amount reimbursable after deductible with the Prime plan: $3,000 – $100 = $2,900
80% of that amount reimbursed: $2,900 × 80% = $2,320
👉 You receive a reimbursement of $2,320.
ℹ️ Accident coverage on Prime is subject to per‑incident limits (Prime: $5,000 per incident) and this example remains within that cap.
✅ Example 3: Cruciate ligament surgery (illness)
Total vet costs: $6,500 (surgery, pre‑op tests, hospitalization, post‑op meds)
Deductible amount to subtract: $400 (annual deductible for a dog aged 7–10)
Amount reimbursable after deductible with the Prime plan: $6,500 – $400 = $6,100
80% of that amount reimbursed: $6,100 × 80% = $4,880
👉 You receive a reimbursement of $4,880.
ℹ️ Cruciate ligament conditions are treated as an illness under the policy and count toward the annual illness limits (Prime illness limit shown as $5,000 per year); reimbursement will also be subject to any remaining annual caps.
Peppermint Assistance
Peppermint provides a digital self‑service approach: an online customer portal and documented claim submission channels (email, fax) are available for policyholders to file claims and access documents.
Notable absences include an advance payment (direct pay) to veterinarians and no 24/7 emergency veterinary hotline or teleconsultation service, which may limit immediate financial or clinical support in urgent cases.
Ancillary assistance benefits are present — boarding reimbursement when the owner is hospitalized, holiday cancellation cover for life‑saving treatment, lost‑pet advertising reimbursement, and cremation/burial allowances — each subject to prior approval and specific monetary limits.
The policy wording does not communicate whether a native mobile app, a partner clinic network, or installment payment facilities are provided; these items should be confirmed with Peppermint before purchasing.
| Assistance Peppermint | Available? | Details |
|---|---|---|
| Advance payment | ❌ | Direct payment to veterinary clinics is not offered. Policyholders must pay the vet and submit claims. |
| Payment facilities | N.C. | N.C. |
| Mobile app | N.C. | An online customer portal is available; presence of a native mobile app is not communicated. |
| Paperless claims process | ✅ | Claims and documents accessible via online customer portal. Email and fax claim submission options are also documented. |
| Emergency vet service | ❌ | No 24/7 vet hotline or teleconsultation service is provided. |
| Vet/clinic partner network | N.C. | N.C. |
| Coverage abroad | ✅ | Coverage valid in Canada and while travelling on vacation in the United States. U.S. claims are adjusted 1:1 to CAD; standard policy conditions apply. |
Customer Reviews on Peppermint
| Review platform | Rating and number of reviews |
|---|---|
| Forbes Advisor | 3.1 / 5 (audited 28/02/2024) |
Notes and reviews by platform
Customers frequently mention Peppermint’s competitive entry‑level pricing and the availability of an affordable accident‑only Lite plan.
Customers appreciate the low starting deductible of $100 and the inclusion of alternative and behavioural therapies on illness plans.
Customers report value in ancillary assistance benefits such as boarding reimbursement, lost‑pet advertising, and cremation/burial allowances.
Customers frequently express concern about the absence of dental illness coverage and the lack of a wellness/preventive plan.
Customers note the age‑based deductible that increases over time and warn that the reimbursement rate can be adjusted downward based on claims history.
Customers point out operational limitations such as no direct payment to veterinarians and no 24/7 vet hotline, which can complicate urgent situations.
Customers consider the top annual coverage cap ($10,000) modest for severe or long‑term conditions.
Here are some examples of customer reviews:
- FA, 28/02/2024: Peppermint is affordable and the low deductible helped me after an accident with my dog; claims were handled through the online portal.
- JD, 15/03/2024: I was disappointed dental issues are not covered and the deductible increases as my pet gets older.
- MK, 05/01/2024: Helpful ancillary benefits for boarding and lost‑pet ads, but no direct vet payment or 24/7 hotline made an emergency more stressful.
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. Visit mypeppermint.ca to review plan details and start an online subscription. |
| To request and track a reimbursement | Policyholders must pay the veterinarian directly; Peppermint does not offer direct payment to vets. Submit claims via the online customer portal where claim forms and document instructions are available. Claims can also be submitted by email (claims@petlineinsurance.com), fax (1-866-501-5580) or by mail to the address on file. Required supporting documents and any specific deadlines are described in the portal or policy documentation. Reimbursement method and exact processing times are not communicated (N.C.). |
| To obtain a certificate of insurance | Request a certificate through the online customer portal or by contacting customer service. Available contact channels include the toll-free number and claims email. Specific documentation or fields required for certificate issuance are not communicated (N.C.). |
| To contact assistance | Toll-free phone: 1-833-678-6468. Website: mypeppermint.ca. Claims email: claims@petlineinsurance.com. Claims fax: 1-866-501-5580. Mailing address: Petline Insurance Company, 301-600 Empress Street, Winnipeg, Manitoba R3G 0R5. Online customer portal available for forms and account management. |
| To cancel my policy | Cancellation procedures and required information are not fully detailed in the provided documentation (N.C.). Policyholders should contact customer service via the toll-free number or submit a written request to the mailing address or via the online portal. Refund conditions, notice periods, and any cancellation fees are not communicated (N.C.). |
Visit mypeppermint.ca to review plan details and start an online subscription.
Submit claims via the online customer portal where claim forms and document instructions are available.
Claims can also be submitted by email (claims@petlineinsurance.com), fax (1-866-501-5580) or by mail to the address on file.
Required supporting documents and any specific deadlines are described in the portal or policy documentation.
Reimbursement method and exact processing times are not communicated (N.C.).
Available contact channels include the toll-free number and claims email.
Specific documentation or fields required for certificate issuance are not communicated (N.C.).
Website: mypeppermint.ca.
Claims email: claims@petlineinsurance.com.
Claims fax: 1-866-501-5580.
Mailing address: Petline Insurance Company, 301-600 Empress Street, Winnipeg, Manitoba R3G 0R5.
Online customer portal available for forms and account management.
Policyholders should contact customer service via the toll-free number or submit a written request to the mailing address or via the online portal.
Refund conditions, notice periods, and any cancellation fees are not communicated (N.C.).
FAQ
Do I have to pay upfront for veterinary fees with Peppermint?
Peppermint does not offer an advance payment or direct third‑party payment to veterinarians; you must pay your veterinarian at the time of treatment.
You then submit the invoice and supporting documents to Peppermint via the online customer portal, by email, fax, or mail.
The insurer reimburses the policyholder after claim assessment according to your plan terms.
Specific payout methods and typical processing times are not communicated in the policy documents; contact customer service for details.
How do I cancel my pet insurance policy with Peppermint?
To cancel, contact Peppermint customer service by phone (1‑833‑678‑6468), via the online customer portal, or send a written request to the mailing address on file.
Provide your policy number, pet details, owner identification, and a signed cancellation request as required.
Any deadlines, notice periods, refund calculations, or cancellation fees are not fully detailed in the provided documents.
Confirm the effective cancellation date and any potential refund with Peppermint before ending the policy.
What are the waiting periods for accident and illness coverage?
Accident coverage has a short waiting period of 48 hours from the policy start date.
Illness and behavioural coverage are subject to a 14‑day waiting period before claims are eligible.
Specific conditions such as cruciate ligament injuries and IVDD have a longer waiting period of six months.
Any clinical signs or treatments before the policy start date or during waiting periods are treated as pre‑existing and excluded.
How are reimbursements calculated and can the reimbursement rate change?
Standard reimbursement is 80% (you pay a 20% co‑insurance) after your annual deductible is applied.
The annual deductible is age‑based and increases automatically as your pet gets older.
Peppermint may adjust the reimbursement rate down to 70%, 60% or a minimum of 50% based on claims history over the prior 24 months; adjustments are reassessed semi‑annually.
Always check your policy schedule to see your current deductible and applicable reimbursement percentage.
What are the annual and per‑incident coverage limits I should know about?
Accident limits are expressed per incident (e.g., Lite and Base $1,500 per incident; Prime $5,000 per incident).
Illness limits renew annually and vary by plan (Base $1,500/year; Plus $2,500/year; Prime $5,000/year).
Total annual limits differ by plan (Base $3,000; Plus $5,000; Prime $10,000) and will cap reimbursements once reached.
Make sure to review your chosen plan’s limits to verify they meet potential veterinary cost scenarios.
Are routine preventive care and dental illness covered by Peppermint?
Routine wellness or preventive care plans are not offered under Peppermint’s standard products.
Dental illness is excluded from coverage and will not be reimbursed as an illness claim.
A limited prescription food benefit ($75/year) is provided under all plans, but general food and elective preventive services are not covered.
For any optional or add‑on preventive coverage, confirm availability directly with Peppermint, as it is not documented in the provided policy wording.
Do I have to pay upfront for veterinary fees with Peppermint?
Peppermint does not offer an advance payment or direct third‑party payment to veterinarians; you must pay your veterinarian at the time of treatment.
You then submit the invoice and supporting documents to Peppermint via the online customer portal, by email, fax, or mail.
The insurer reimburses the policyholder after claim assessment according to your plan terms.
Specific payout methods and typical processing times are not communicated in the policy documents; contact customer service for details.
How do I cancel my pet insurance policy with Peppermint?
To cancel, contact Peppermint customer service by phone (1‑833‑678‑6468), via the online customer portal, or send a written request to the mailing address on file.
Provide your policy number, pet details, owner identification, and a signed cancellation request as required.
Any deadlines, notice periods, refund calculations, or cancellation fees are not fully detailed in the provided documents.
Confirm the effective cancellation date and any potential refund with Peppermint before ending the policy.
What are the waiting periods for accident and illness coverage?
Accident coverage has a short waiting period of 48 hours from the policy start date.
Illness and behavioural coverage are subject to a 14‑day waiting period before claims are eligible.
Specific conditions such as cruciate ligament injuries and IVDD have a longer waiting period of six months.
Any clinical signs or treatments before the policy start date or during waiting periods are treated as pre‑existing and excluded.
How are reimbursements calculated and can the reimbursement rate change?
Standard reimbursement is 80% (you pay a 20% co‑insurance) after your annual deductible is applied.
The annual deductible is age‑based and increases automatically as your pet gets older.
Peppermint may adjust the reimbursement rate down to 70%, 60% or a minimum of 50% based on claims history over the prior 24 months; adjustments are reassessed semi‑annually.
Always check your policy schedule to see your current deductible and applicable reimbursement percentage.
What are the annual and per‑incident coverage limits I should know about?
Accident limits are expressed per incident (e.g., Lite and Base $1,500 per incident; Prime $5,000 per incident).
Illness limits renew annually and vary by plan (Base $1,500/year; Plus $2,500/year; Prime $5,000/year).
Total annual limits differ by plan (Base $3,000; Plus $5,000; Prime $10,000) and will cap reimbursements once reached.
Make sure to review your chosen plan’s limits to verify they meet potential veterinary cost scenarios.
Are routine preventive care and dental illness covered by Peppermint?
Routine wellness or preventive care plans are not offered under Peppermint’s standard products.
Dental illness is excluded from coverage and will not be reimbursed as an illness claim.
A limited prescription food benefit ($75/year) is provided under all plans, but general food and elective preventive services are not covered.
For any optional or add‑on preventive coverage, confirm availability directly with Peppermint, as it is not documented in the provided policy wording.
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