Peppermint Pet Insurance Canada Review

Snapshot

Peppermint offers pet owners a choice of four plans. The company's lowest-cost plan covers accidents only but the rest cover accidents and illnesses. Each plan establishes a $100 deductible and an 80% reimbursement level. The company bases reimbursement on your actual vet bills, not on average vet fees or a benefits schedule so customers can predict how much they will be reimbursed for each claim at the time of service.

Peppermint policies feature some of the usual restrictions on the types of services and conditions they will not cover, including neutering, pregnancy, and elective procedures, but provides coverage for a wide range of veterinary expenses, including diagnostic work, surgery, hospitalization, rehabilitation, prescription medicines, alternative therapies, medical devices, and more. Like most pet insurance policies, Peppermint's policies impose some restrictions around pre-existing conditions. However, they do not entirely exclude some conditions that are excluded by other pet insurers, such as hip dysplasia and cruciate ligament issues.

Plan Details

Coverage

What's Not Covered

• Any elective veterinary service
• Flea and tick control
• Neutering or veterinary expenses arising from pregnancy
• Medical complications due to neutering
• FIP, FIV, or FELV if symptoms appeared before enrollment or during the waiting period
• Medical transportation
• Veterinary house calls

Discounts

Peppermint offers a 10% discount if you insure three or more pets with the company.

Summary

Overall, Peppermint is a sound pet insurance choice with many advantages. While the company doesn't offer quite as many opportunities to customize your coverage as some insurers offer, their plans feature a generous reimbursement level and a low deductible to help keep your out-of-pocket expenses low. Peppermint doesn't exclude senior pets from coverage. That's a big plus in our book since aging pets are often the ones most in need of veterinary treatment. The company provides a thorough document explaining its policies' terms in plain language on its website. It's definitely worth a read if you're shopping for a comprehensive, predictable policy with few restrictions.