Peppermint Pet Insurance 2025: Canadian Coverage, Costs & Customer Reviews

Our expert's opinion on Peppermint

Last update: July 17, 2025

Discover the offer

4.2

Score

4.2

Score

Daniel Clarke

Personal finance expert

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.

Pros

• ✅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

Cons

• ❌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

Discover the offer

4.2

Score

4.2

Score

ProsCons

• ✅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

Last update: July 17, 2025

Daniel Clarke

Personal finance expert

Pros

• ✅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

Cons

• ❌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

Discover the offer

4.2

Score

4.2

Score

ProsCons

• ✅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

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.

Discover the offer

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.).

👉 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.

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.

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.

Compare Peppermint plans to see which coverage and monthly premium works best for your pet and budget.

Peppermint Promo Codes

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

Customer Reviews of Peppermint

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

FAQ

Daniel Clarke

Personal finance expert

Daniel is a Canadian personal finance expert passionate about making financial literacy more accessible to everyone. He holds a degree in Economics from the University of British Columbia and a Master’s in Financial Planning from York University. Before joining HelloSafe, he worked as a financial coach and content editor for a number of fintech platforms across Canada. At HelloSafe, Daniel writes clear and practical guides on insurance, credit, savings, and budgeting—always with the goal of helping readers make confident and informed money decisions.