Peppermint Pet Insurance in Canada: Is It Worth It? Our Full Review 2025
Our expert's opinion on Peppermint
Peppermint, underwritten by Petline Insurance Company, offers pet insurance tailored to Canadian dog and cat owners, with four plans ranging from accident-only (Lite) to comprehensive (Prime), and annual coverage limits between $1,500 and $10,000 depending on plan selection.
The policy features a standard 80% reimbursement rate (adjustable to 70% or 50% if high claim frequency/cost), deductibles that increase as pets age ($100 for younger pets, up to $500 for seniors), and includes extras like alternative therapies, prescription food (up to $75/year), and pet ownership benefits, but lacks wellness options and dental coverage; compared to major competitors, Peppermint stands out for its accessible entry cost and inclusion of behavioural and alternative therapy benefits at modest premiums.
Peppermint is best suited for owners of young or mid-life pets, especially those seeking budget-conscious core protection without requiring dental or wellness add-ons.
As part of Petline Insurance Company, Peppermint benefits from established Canadian insurance infrastructure, though it reports no major industry or financial stability concerns; on Trustpilot, it currently has limited public feedback and no rating above 100 reviews, but sources cite typical claim processing times in line with other providers—generally several weeks—with clear documentation and semi-annual policy review cycles.
- ✅Affordable entry premiums across accident and illness plans
- ✅80% reimbursement rate on all coverage options
- ✅Behavioural and alternative therapies included in core plans
- ✅Pet ownership support (lost pet ads, kennel, cremation) standard
- ✅Low deductible for young pets ($100 yearly or per incident)
- ✅Covers prescription food up to $75/year
- ✅Seamless claims via downloadable forms and clear online resources
- ❌Deductible and reimbursement not customizable
- ❌Deductible increases significantly with pet age
- ❌Maximum annual limit capped at $10,000
- ❌No dental illness or routine dental coverage
- ❌Lacks wellness care or preventive plan options
- ✅Affordable entry premiums across accident and illness plans
- ✅80% reimbursement rate on all coverage options
- ✅Behavioural and alternative therapies included in core plans
- ✅Pet ownership support (lost pet ads, kennel, cremation) standard
- ✅Low deductible for young pets ($100 yearly or per incident)
- ✅Covers prescription food up to $75/year
- ✅Seamless claims via downloadable forms and clear online resources
Our expert's opinion on Peppermint
ScorePeppermint, underwritten by Petline Insurance Company, offers pet insurance tailored to Canadian dog and cat owners, with four plans ranging from accident-only (Lite) to comprehensive (Prime), and annual coverage limits between $1,500 and $10,000 depending on plan selection.
The policy features a standard 80% reimbursement rate (adjustable to 70% or 50% if high claim frequency/cost), deductibles that increase as pets age ($100 for younger pets, up to $500 for seniors), and includes extras like alternative therapies, prescription food (up to $75/year), and pet ownership benefits, but lacks wellness options and dental coverage; compared to major competitors, Peppermint stands out for its accessible entry cost and inclusion of behavioural and alternative therapy benefits at modest premiums.
Peppermint is best suited for owners of young or mid-life pets, especially those seeking budget-conscious core protection without requiring dental or wellness add-ons.
As part of Petline Insurance Company, Peppermint benefits from established Canadian insurance infrastructure, though it reports no major industry or financial stability concerns; on Trustpilot, it currently has limited public feedback and no rating above 100 reviews, but sources cite typical claim processing times in line with other providers—generally several weeks—with clear documentation and semi-annual policy review cycles.
- ✅Affordable entry premiums across accident and illness plans
- ✅80% reimbursement rate on all coverage options
- ✅Behavioural and alternative therapies included in core plans
- ✅Pet ownership support (lost pet ads, kennel, cremation) standard
- ✅Low deductible for young pets ($100 yearly or per incident)
- ✅Covers prescription food up to $75/year
- ✅Seamless claims via downloadable forms and clear online resources
- ❌Deductible and reimbursement not customizable
- ❌Deductible increases significantly with pet age
- ❌Maximum annual limit capped at $10,000
- ❌No dental illness or routine dental coverage
- ❌Lacks wellness care or preventive plan options
- ✅Affordable entry premiums across accident and illness plans
- ✅80% reimbursement rate on all coverage options
- ✅Behavioural and alternative therapies included in core plans
- ✅Pet ownership support (lost pet ads, kennel, cremation) standard
- ✅Low deductible for young pets ($100 yearly or per incident)
- ✅Covers prescription food up to $75/year
- ✅Seamless claims via downloadable forms and clear online resources
- Peppermint Coverage
- Good to know
- Exclusions of Peppermint
- Peppermint Prices
- Peppermint Assistance
- Customer feedback on Peppermint
- How to contact Peppermint?
- FAQ
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Peppermint Coverage
Peppermint offers four straightforward plans—Lite (accident-only), Base, Plus, and Prime (accident & illness)—with a strong positioning on affordability and essential protection for Canadian dogs and cats, including travel coverage for the US. All plans reimburse 80% of eligible veterinary expenses after an age-based deductible ($100 initially; rises to $200–$500 for older pets), but there are no options to adjust reimbursement or deductible, and the annual coverage limit ranges from $1,500 to $10,000 depending on plan.
Strengths include built-in coverage for alternative therapies, prescription food, behavioral therapy (except Lite), and extras like kennel fees, cremation, and lost pet advertising—making Peppermint an accessible pick for first-time or value-driven pet owners.
However, limitations are notable: no wellness/preventive package (e.g. vaccines, spay/neuter), no dental illness or routine dental procedures, no discounts or customizable add-ons, and reimbursement rates may be reduced for high claim frequency.
Exclusions are standard but strictly enforced (e.g. pre-existing, congenital, and certain chronic conditions); overall, Peppermint stands out for simplicity and affordability, but not for comprehensive or flexible protection.
| Name of coverage | Lite | Base | Plus | Prime |
|---|---|---|---|---|
| Plan positioning | Entry, accident-only | Mainstream accident & illness | Enhanced limits, accident & illness | Top-tier, highest limits, accident & illness |
| Type of coverage | Accident only | Accident + illness | Accident + illness | Accident + illness |
| Animals covered | Dogs and cats | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | 80% (may drop for frequent claims) | 80% (may drop for frequent claims) | 80% (may drop for frequent claims) | 80% (may drop for frequent claims) |
| Annual reimbursement limit | $1,500 per accident | $1,500 accident / $1,500 illness | $2,500 accident / $2,500 illness | $5,000 accident / $5,000 illness |
| Deductible (annual or per claim) | $100 per accident (increases with age) | $100 per year (increases with age) | $100 per year (increases with age) | $100 per year (increases with age) |
| Age limits for enrollment | Unknown | Unknown | Unknown | Unknown |
| Pre-enrollment health questionnaire | Needed for senior pets at enrollment | Needed for senior pets at enrollment | Needed for senior pets at enrollment | Needed for senior pets at enrollment |
| Waiting period (illness) | Not applicable | 14 days | 14 days | 14 days |
| Waiting period (accident) | 48 hours | 48 hours | 48 hours | 48 hours |
| Lifetime coverage once subscribed | Yes, if policy is maintained | Yes, if policy is maintained | Yes, if policy is maintained | Yes, if policy is maintained |
| Vet consultations (regular + emergency) | ✅ accident-related only | ✅ | ✅ | ✅ |
| Medications | ✅ accident-related only | ✅ | ✅ | ✅ |
| Hospitalization | ✅ accident-related only | ✅ | ✅ | ✅ |
| Surgery (including anesthesia) | ✅ accident-related only | ✅ | ✅ | ✅ |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ accident-related only | ✅ | ✅ | ✅ |
| Dental care (includes scaling and procedures) | ❌ | ❌ | ❌ | ❌ |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ❌ | ❌ | ❌ | ❌ |
| Alternative medicine (osteopathy, acupuncture, etc.) | ✅ accident-related only | ✅ | ✅ | ✅ |
| Travel coverage (countries included, duration) | Canada, US (short trips) | Canada, US (short trips) | Canada, US (short trips) | Canada, US (short trips) |
| Euthanasia | Only for covered accidents | Only for covered events, on vet’s recommendation | Only for covered events, on vet’s recommendation | Only for covered events, on vet’s recommendation |
| Death & cremation coverage | ✅ (for covered accidents) | ✅ (for covered accidents or illnesses) | ✅ (for covered accidents or illnesses) | ✅ (for covered accidents or illnesses) |
| Theft or loss of pet + search expenses | ✅ lost pet advertising | ✅ lost pet advertising | ✅ lost pet advertising | ✅ lost pet advertising |
| Boarding fees (if owner is hospitalized) | ✅ up to $25/day, accident only | ✅ up to $25/day, covered events | ✅ up to $25/day, covered events | ✅ up to $25/day, covered events |
Good to know
- Deductibles automatically rise with pet age at key milestones ($100, $200, $400, $500).
- Reimbursement percentage can drop from 80% to 70% or 50% after review for high claim frequency or value.
- There is a 6-month waiting period for cruciate ligament or certain spine disorders.
- Annual allowance for prescription food is limited to $75 across all plans.
- No coverage for routine dental, spay/neuter, preventive products, elective or cosmetic procedures, or wellness care.
- No discounts for multi-pet, healthy pet, or loyalty; premium determined solely by plan, pet type, and age.
Compare the various Peppermint plans to select the most suitable and affordable coverage for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Exclusions of Peppermint
Exclusions in the Peppermint pet insurance policy align with standard Canadian market practices, such as waiting periods and non-coverage of pre-existing, congenital, or bilateral conditions, but they explicitly exclude dental illness or routine/preventive dental care—which is less common among top competitors and may be a concern for owners of breeds with dental risks.
All policies exclude costs related to preventive or wellness care (such as flea/tick control, nail trims, and spaying/neutering), certain elective and comfort procedures, and any unreported or undocumented conditions (including in cases of missing annual veterinary check-ups).
Other notable exclusions include hospitalization of the owner for non-critical reasons (e.g., addiction, routine surgery, pregnancy) for kennel fee claims, and strictly no coverage for professional, working, or risk-activity pets unless formally approved in writing.
Euthanasia is only covered when medically necessary and prescribed for covered conditions; there’s also a 6-month waiting period specifically for cruciate ligament and disc disease, which is slightly longer than with some Canadian competitors.
Exclusions may be reviewed after 6–12 months without symptoms or treatment, providing potential relief for pets with previous conditions, but this requires supporting medical documentation and successful veterinary reassessment.
| Exclusions | Details |
|---|---|
| Medical exclusions | – Pre-existing conditions (may be reviewed after 6–12 months symptom/treatment-free) – Congenital or hereditary conditions detected or symptomatic before coverage or during waiting periods – Bilateral conditions if already symptomatic on one side – Dental illness or disease – Preventive or elective care (spaying/neutering, nail trims, wellness procedures, flea/tick control) – Conditions arising without up-to-date annual check-up or incomplete medical records – Conditions arising from unapproved professional/working or risk-activity use |
| Accident/illness-specific exclusions | – Cruciate ligament and intervertebral disc disease: 6-month waiting period – Chronic/recurrent injuries (especially if related to risky behaviour) – Behavioural therapy does not cover training, obedience classes, ingestion of objects or feeding disorders – Hospitalization/kennel cost claims not covered if due to owner’s pregnancy, addiction, non-vital surgery, or after release from hospital |
| Administrative exclusions | – Failure to pay premiums on time – Incomplete claim documentation (missing forms, proof of medical necessity, incomplete invoices) |
| Geographic exclusions | – Coverage limited to Canada and temporary U.S. trips – No coverage for incidents outside these regions |
| Non-medical/catastrophic exclusions | – War, terrorism, nuclear events, and natural disasters |
| Other exclusions | – Cosmetic or non-medical procedures – Unregistered treatments/medications not approved by Health Canada (D.I.N. or NHP) – Payments to relatives or residents/employees of the insured’s household for lost pet advertising or care |
– Congenital or hereditary conditions detected or symptomatic before coverage or during waiting periods
– Bilateral conditions if already symptomatic on one side
– Dental illness or disease
– Preventive or elective care (spaying/neutering, nail trims, wellness procedures, flea/tick control)
– Conditions arising without up-to-date annual check-up or incomplete medical records
– Conditions arising from unapproved professional/working or risk-activity use
– Chronic/recurrent injuries (especially if related to risky behaviour)
– Behavioural therapy does not cover training, obedience classes, ingestion of objects or feeding disorders
– Hospitalization/kennel cost claims not covered if due to owner’s pregnancy, addiction, non-vital surgery, or after release from hospital
– Incomplete claim documentation (missing forms, proof of medical necessity, incomplete invoices)
– No coverage for incidents outside these regions
– Unregistered treatments/medications not approved by Health Canada (D.I.N. or NHP)
– Payments to relatives or residents/employees of the insured’s household for lost pet advertising or care
Peppermint Prices
Peppermint positions itself as an affordable but limited pet insurance option in Canada, focusing on budget-conscious owners who need basic to moderate coverage rather than maximum protection.
With premiums that are lower than national averages, especially for accident-only or entry-level plans, and a simple digital claims experience, Peppermint trades off some high-cost items—such as dental illness, wellness, or unlimited coverage—to keep monthly costs accessible.
Deductibles start low but increase with pet age, and maximum annual limits are below those of premium competitors; customization is also restricted (e.g., fixed 80% reimbursement, no wellness add-ons).
Peppermint’s pricing reflects these trade-offs: the service is best suited for pet owners who want core health protections and digital convenience, without paying for extras they may not use.
In summary, Peppermint is competitively priced for standard needs but may feel limited to those seeking comprehensive, high-limit coverage or extensive policy flexibility.
Compare Peppermint’s plans below to find the best price and coverage level for your pet.
| Lite (Accident Only) | Base | Plus | Prime | |
|---|---|---|---|---|
| Young cat (2–4 years) | $13/month | $21/month | $36/month | $48/month |
| Senior cat (7–8 years) | $22/month | $36/month | $56/month | $69/month |
| Small breed dog | $15/month | $32/month | $53/month | $67/month |
| Small breed dog (2–4 years) | $14/month | $27/month | $46/month | $60/month |
| Large breed dog (2–4 years) | $19/month | $38/month | $59/month | $81/month |
| Senior dog (7–8 years) | $32/month | $56/month | $90/month | $118/month |
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?
With Peppermint’s Prime plan, you can claim back 80% of eligible veterinary bills for accidents, illnesses, behavioural therapy, prescription food, alternative therapies, and approved devices—after a yearly deductible (e.g., $100 for young pets) and up to the $10,000 annual limit. This means you pay less out of pocket for expensive or unexpected vet care.
Informations importantes
Example 1: Emergency surgery after swallowing a foreign object
Total vet costs: $3,500 (examination, x-rays, emergency surgery, anesthesia, hospitalization)
Deductible to subtract: $100 (annual deductible for a dog or cat under age 5)
Eligible amount after deductible: $3,500 – $100 = $3,400
Amount reimbursed at 80% with the Prime plan: $3,400 × 80% = $2,720
👉 You receive a reimbursement of $2,720 from Peppermint.
Your out-of-pocket cost: $780 ($100 deductible + $680 coinsurance).
ℹ️ The deductible is only charged once per policy year. After paying your deductible, future claims in the same year only require coinsurance until you reach your annual coverage limit.
Informations importantes
Example 2: Ongoing treatment for diabetes (chronic illness)
Total annual vet costs: $2,200 (diagnosis, blood tests, insulin, check-ups)
Deductible already paid on a previous claim this year
Eligible total: $2,200
Amount reimbursed at 80%: $2,200 × 80% = $1,760
👉 You receive a reimbursement of $1,760.
Your out-of-pocket cost: $440 (20% coinsurance, as the deductible was already satisfied).
ℹ️ Chronic conditions are covered up to the annual $10,000 cap. Out-of-pocket costs may be lower if there are multiple vet bills in a year, as the deductible is only applied once.
Informations importantes
Example 3: Prescription food for urinary health
Total vet costs: $90 (prescription diet for urinary care)
Annual prescription food allowance: $75/year (no deductible, 20% coinsurance applies)
Reimbursable amount: $75 (limit for the year)
Amount reimbursed at 80%: $75 × 80% = $60
👉 You receive a reimbursement of $60 for prescription food.
Your out-of-pocket cost: $30 ($15 coinsurance on the $75 allowance + $15 non-eligible above the $75/year cap).
ℹ️ Prescription food is reimbursed up to $75/year, with no deductible applied. Additional preventive care (such as vaccines or nail trims) is not covered.
Peppermint Assistance
Peppermint’s assistance for Canadian policyholders is primarily administrative, with no advance payment to clinics—owners must pay vets upfront and submit detailed claims with original invoices for reimbursement, which can be limiting in emergencies.
No flexible payment facilities or fee-free installment options are offered, reducing financial convenience for policyholders managing higher-cost treatments.
There is no proprietary mobile app; claims are managed via an online portal and downloadable forms, so users miss out on seamless app-based claim submission, real-time tracking, or push notifications.
The lack of a 24/7 emergency vet support line or teleconsultation service is a significant gap, especially given the prevalence of such services among leading competitors in the Canadian market.
Coverage for pets outside of Canada is restricted to temporary stays in the United States, with no support for long-term or international travel—limiting flexibility for owners who travel extensively with their pets.
| Assistance Peppermint | Available? | Details |
|---|---|---|
| Advance payment | ❌ | Policyholders pay the clinic directly for all services. There is no direct-to-vet or advance payment service like Payvet, Petcard, or Carecredit offered. |
| Payment facilities | ❌ | No 3-installment or interest-free payment options. All payments must be made upfront monthly or annually. |
| Mobile app | ❌ | No mobile app is available for policy management or claims. Customers use the website to download forms and submit claims by upload. |
| Paperless claims process | ✅ | Claims can be filed digitally via the online portal. All required documents must be scanned/uploaded, but the process is more manual than leading app-based competitors. |
| Emergency vet service | ❌ | No 24/7 veterinary helpline or telehealth/teleconsultation service is provided. Owners must manage emergencies independently. |
| Vet/clinic partner network | ❌ | Peppermint does not promote any preferred or partner vet/clinic network. Policyholders may use any licensed Canadian or U.S. vet during eligible periods. |
| Coverage abroad | ✅ | Temporary coverage is available only for trips to the U.S. There is no coverage for travel outside the U.S. or for extended foreign stays; maximum duration is not explicitly specified but restricted to "temporary travel." |
There is no direct-to-vet or advance payment service like Payvet, Petcard, or Carecredit offered.
All payments must be made upfront monthly or annually.
Customers use the website to download forms and submit claims by upload.
All required documents must be scanned/uploaded, but the process is more manual than leading app-based competitors.
Owners must manage emergencies independently.
Policyholders may use any licensed Canadian or U.S. vet during eligible periods.
There is no coverage for travel outside the U.S. or for extended foreign stays; maximum duration is not explicitly specified but restricted to "temporary travel."
Customer feedback on Peppermint
| Review platform | Rating and number of reviews |
|---|---|
| Forbes Advisor | 3.1/5 (based on editorial review) |
We analyzed reviews from the site listed above. On the positive side, customers who subscribed to Peppermint for their pets often mention:
- A low starting deductible that makes the initial costs of coverage accessible to many Canadian pet owners.
- An accident-only plan for those needing affordable, basic protection.
- The inclusion of alternative therapies and medical devices in all plans, which adds flexibility for pet care.
- Behavioural therapy coverage not just as a niche add-on but as part of most plans, considered valuable for pet owners.
- Several pet ownership assistance features, such as lost pet advertising and kennel coverage during the owner’s medical emergencies, included in every plan.
On the negative side:
- A deductible and reimbursement rate that cannot be customized, reducing flexibility for those seeking tailored plans.
- An automatic deductible increase as the pet ages, which can make long-term costs unpredictable or higher.
- A lack of coverage for dental illness and preventive wellness care, which some policyholders find limiting.
- An absence of 24/7 pet health hotline and wellness add-ons, leading users to perceive the coverage as basic compared to competitors.
- No multi-pet, loyalty, or healthy pet discounts and no option for extra coverage add-ons, limiting options for households with several pets or changing needs.
- A capped annual coverage amount (maximum $10,000/year) that some find insufficient for major or chronic conditions.
How to 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 | Claims can be submitted up to 6 months after the treatment date. Complete the relevant claim form (available on your client portal or upon request), and provide all supporting documents: original invoices, medical records, and veterinarian and owner signatures. Submit by email via the client portal at mypeppermint.ca or contact Customer Service for instructions. Claims are typically reimbursed via direct deposit (if set up) or by cheque, and average processing time is several business days after receiving a complete file. For assistance or tracking: 1-833-678-6468 / mypeppermint.ca |
| To obtain a certificate of insurance | Request your certificate by contacting Customer Service by phone at 1-833-678-6468 or through the client portal at mypeppermint.ca. You may need to provide your policy number and identification details. Delivery is usually by email or through your online account. |
| To contact assistance | For any assistance (general support, questions about your plan, help with coverage, documents, or claims): Phone: 1-833-678-6468 Email/portal: mypeppermint.ca Business hours may apply. All general assistance is handled through the customer service line or portal. |
| To cancel my policy | Cancellations must be made in writing at any time and will take effect at the end of your current monthly period. Send your written cancellation request by email via mypeppermint.ca or contact Customer Service at 1-833-678-6468 for detailed instructions. Include your policy number, identification, and requested cancellation date. No special documents are required beyond a written (signed) request. Any pro-rated unused premium may be refunded after cancellation. |
Phone: 1-833-678-6468
Email/portal: mypeppermint.ca
Business hours may apply. All general assistance is handled through the customer service line or portal.
FAQ
Do I have to pay upfront for veterinary fees with Peppermint?
Yes, with Peppermint pet insurance you must pay your veterinarian directly at the time of service. After paying, you submit your claim and supporting documents to Peppermint for reimbursement based on your policy's coverage. Peppermint does not offer direct or advance payment to vets.
How do I cancel my pet insurance policy with Peppermint?
To cancel your Peppermint pet insurance, send a written request to the insurer at any time. Cancellation will take effect at the end of the current monthly billing period. No specific documents beyond your written request are required.
What types of coverage are available with Peppermint pet insurance?
Peppermint offers several plans for cats and dogs, from accident-only to comprehensive accident and illness coverage. All plans include benefits like alternative therapies, prescription food, medical devices, lost pet advertising, kennel fees, and cremation for insured conditions. Enhanced plans add illness and behavioural therapy coverage.
Are pre-existing conditions covered by Peppermint?
No, Peppermint excludes pre-existing conditions—any illness or injury noticed or diagnosed before your policy starts or during waiting periods. However, if your pet is symptom-free and untreated for 6 to 12 months, you may ask for the exclusion to be reviewed.
How does the deductible and co-insurance work?
Peppermint applies an annual or per-incident deductible, depending on your plan, which increases as your pet ages. Standard co-insurance is 20%, meaning you pay 20% and Peppermint reimburses up to 80% of eligible costs. If you have frequent or high-value claims, your reimbursement rate may decrease upon review.
What is the waiting period for coverage to begin?
Peppermint has a 48-hour waiting period for accidents and a 14-day waiting period for illnesses and behavioural therapy. For certain conditions, like cruciate ligament injuries and intervertebral disc disease, the waiting period is 6 months from the policy start date.
Do I have to pay upfront for veterinary fees with Peppermint?
Yes, with Peppermint pet insurance you must pay your veterinarian directly at the time of service. After paying, you submit your claim and supporting documents to Peppermint for reimbursement based on your policy's coverage. Peppermint does not offer direct or advance payment to vets.
How do I cancel my pet insurance policy with Peppermint?
To cancel your Peppermint pet insurance, send a written request to the insurer at any time. Cancellation will take effect at the end of the current monthly billing period. No specific documents beyond your written request are required.
What types of coverage are available with Peppermint pet insurance?
Peppermint offers several plans for cats and dogs, from accident-only to comprehensive accident and illness coverage. All plans include benefits like alternative therapies, prescription food, medical devices, lost pet advertising, kennel fees, and cremation for insured conditions. Enhanced plans add illness and behavioural therapy coverage.
Are pre-existing conditions covered by Peppermint?
No, Peppermint excludes pre-existing conditions—any illness or injury noticed or diagnosed before your policy starts or during waiting periods. However, if your pet is symptom-free and untreated for 6 to 12 months, you may ask for the exclusion to be reviewed.
How does the deductible and co-insurance work?
Peppermint applies an annual or per-incident deductible, depending on your plan, which increases as your pet ages. Standard co-insurance is 20%, meaning you pay 20% and Peppermint reimburses up to 80% of eligible costs. If you have frequent or high-value claims, your reimbursement rate may decrease upon review.
What is the waiting period for coverage to begin?
Peppermint has a 48-hour waiting period for accidents and a 14-day waiting period for illnesses and behavioural therapy. For certain conditions, like cruciate ligament injuries and intervertebral disc disease, the waiting period is 6 months from the policy start date.
