Peppermint Pet Insurance Review

Having a pet can bring extra joy to your family, but adding a furry companion to your home also brings some additional costs. Visits to the vet can get expensive, so many families sign up for pet insurance to help them as they keep their pets in good health.

Peppermint Pet Insurance is a Canadian pet insurance provider that may be worth considering if you live within its coverage area.

In this review:

• Peppermint Pet Insurance breakdown
• How much does it cost?
• What does it cover?
• Pros & cons
• How to get a Peppermint policy

Peppermint Pet Insurance breakdown

Plan	Deductible	Reimbursement	Benefit limit
Lite	$100	Up to 80%	$1,500
Base	$100 – $500	Up to 80%	$1,500
Plus	$100 – $500	Up to 80%	$2,500
Prime	$100 – $500	Up to 80%	$5,000

Peppermint Pet Insurance makes the process of getting insurance for your pet simple. You can request a quote through the company’s website by filling out a simple form. After you fill out the form, you’ll get four policy options, each with a different cost and different levels of coverage.

The cheapest level of coverage only offers reimbursement if your pet has an accident. It does not cover illnesses. The more expensive plans add increasing amounts of coverage for illnesses and behavioral therapy, with the Prime plan offering $5,000 in coverage for accidents and illness.

The flexibility makes it easy to customize your monthly costs and only pay for the care your pet needs. Paying for your pet’s care is also easy—all you have to do is print out a form and ask your vet to fill it out when you want to make a claim. Send it to Peppermint and the company will reimburse you.

How much does Peppermint cost?

The cost of coverage typically varies based on several factors, including the type of pet that you want to insure, the pet’s age, and the level of coverage that you want. However, with Peppermint Pet Insurance, age doesn’t have the impact it has with other insurers.

For example, coverage for a 1-year-old golden retriever ranges in cost from $11.73 for the Lite plan to $56.95 for the Prime plan. A 10-year-old golden retriever has the same costs for coverage.

The cost to insure a 1-year-old Abyssinian cat ranges from $10.66 to $41.81. A 10-year-old cat has the same cost to insure.

What age does impact is your deductible. Deductibles increase for older pets.

What does Peppermint cover?

Most of Peppermint Pet Insurance’s plans cover both accidents and illnesses, though the Lite plan only covers accidents. There is also a waiting period after you purchase coverage where the plan won’t cover accidents (48 hours) or illnesses (14 days).

Peppermint’s plans also cover:

• Prescription food
• Alternative therapy
• Behavioral therapy (excluded from the Lite plan)
• Medical devices
• Boarding and kennel costs related to care
• Holiday cancellation caused by pet illness or accident
• Lost pet advertising
• Cremation and burial expenses

Policies exclude regular checkups and pre-existing or foreseeable conditions. If your pet has not had a vet exam within the year before purchasing coverage, conditions found at the first exam after purchasing the coverage may be considered pre-existing conditions.

Pros & cons of Peppermint Pet Insurance

Pros

• Four tiers of coverage make it easy to customize your costs

• Age doesn’t have a significant impact on premiums

• Easy sign-up process

• No breed or age restrictions

Cons

• Deductibles increase with your pet’s age

• No coverage for check-ups

• Cannot customize the reimbursement level—all plans reimburse 80%

How to get a Peppermint policy

Getting a Peppermint Pet Insurance policy for your pet is relatively simple and easy.

Eligibility information

Peppermint doesn’t post any eligibility requirements for the pets that it insures beyond specifying cats and dogs. The age and the breed of the animal do not affect their insurability.

You can sign up for Peppermint Pet Insurance from anywhere in Canada and use any vet in Canada. All your vet needs to do is fill out the claim form when you bring your pet in for a visit and you can submit a claim for reimbursement.

The plans don’t require medical exams, but it is recommended that you bring your pet for an exam at some point within the twelve months before you apply. If you don’t get your pet checked before buying a policy, any conditions found at their next vet visit may be considered pre-existing.

How to apply

To apply for Peppermint Pet Insurance, visit the company’s website and click the “Retrieve a Quote” button. You’ll have to fill out a simple form with your pet’s name, breed, age, and your postal code.

Based on the information you provide, you’ll see four quotes, one for each policy tier offered by Peppermint. Choose a policy, and you’ll be brought to another screen where you can enter your vet’s information.

Finally, you’ll see a screen outlining the cost of your policy as well as the date that it goes into effect. Enter your payment information and you’re done.

Where to find alternatives to Peppermint

There are lots of pet insurance companies out there, so if Peppermint doesn’t seem right, or you just want to shop around, it’s worth looking at the other options. You can check out our guide to the best pet insurance in Canada to get an idea of the best choice for your needs.

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If you want to learn more about Peppermint, check out its website.

View Rates

• Deductible: $100 – $500
• Reimbursement: Up to 80%
• Benefit limit: Up to $5,000