What's the best pet insurance in Manitoba for 2025?
- Injuries, illnesses, dental illnesses
- Veterinary fees
- Surgeries and emergency care
- Cancer treatment
- Advertising/rewards for lost or stolen pets
- Injuries, illnesses, dental illnesses
- Veterinary fees
- Surgeries and emergency care
- Cancer treatment
- Advertising/rewards for lost or stolen pets
Fetch Pet Insurance offers a single, comprehensive plan tailored for pet owners who want extensive yet flexible coverage. With annual limit options of $5,000, $10,000, or $15,000 and customizable reimbursement rates (70%, 80%, or 90%), Fetch allows pet parents to find a plan that fits their budget. The plan covers accidents, illnesses, hereditary conditions, and advanced treatments, although there is no unlimited coverage tier. Deductibles range from $300 to $700 and are age-based, offering some adaptability based on your pet’s needs.
What sets Fetch apart is its inclusive dental coverage for all teeth and gum disease—something many other providers overlook. The plan also includes alternative therapies like acupuncture and behavioural treatments, as well as sick-visit exam fees, which are often excluded by competitors. Additional perks include lost pet advertising, boarding fees during the owner's hospitalization, and a wellness add-on for routine care. Fetch also offers a Healthy Pet Credit, lowering premiums by up to 30% after two claim-free years. However, there’s no option for direct vet payment—claims must be paid out-of-pocket first.
Fetch does have some drawbacks. It doesn’t cover pre-existing conditions, prescription food, or late claims (over 90 days). A six-month waiting period applies to hip and knee issues, though this can be waived with a timely vet exam. It’s also unavailable in New Brunswick and Quebec. Still, for pet owners looking for generous dental and therapeutic coverage with flexible plan design, Fetch is a top-tier contender.
Ideal Profile: Best for pet owners looking for comprehensive accident, illness, and dental coverage, with flexible reimbursement and deductible options. Especially recommended for younger pets who are more prone to accidents and illnesses—getting coverage early can help secure lower premiums and ensure broad eligibility for care.
- Comprehensive accident and illness coverage
- Extensive dental coverage (includes all teeth and gum disease)
- Covers alternative therapies (acupuncture, chiropractic care, behavioural therapy)
- Sick-visit exam fees included (saves $50–$250 per visit)
- Flexible reimbursement options: 70%, 80%, or 90%
- Annual limits of $5,000, $10,000, or $15,000
- No upper age limit for pet enrollment
- Healthy Pet Credit: Up to 30% off premiums with no claims for two years
- No unlimited coverage option
- No direct vet payment (must pay upfront and get reimbursed)
- Not available in New Brunswick or Quebec
- Routine wellness care requires an additional add-on
- Accidents and illnesses
- Exam fees and taxes
- Hereditary conditions
- Multi-pet discount
- Accidents and illnesses
- Exam fees and taxes
- Hereditary conditions
- Multi-pet discount
Pets Plus Us offers two main plans: Accident & Illness and Accident Only—making it one of the few Canadian insurers with an accident-only option. The Accident & Illness plan comes with annual coverage limits of $7,500 or $15,000 and customizable reimbursement rates (70%, 80%, or 90%), while the Accident Only plan offers a fixed $5,000 limit and 80% reimbursement. Deductibles are age-based, starting at $100 and increasing with the pet’s age.
Coverage includes hereditary conditions, diagnostics, hospitalization, surgeries, medications, behavioural therapy, and alternative treatments like acupuncture. Both plans include extra benefits like boarding fees, trip cancellation, and end-of-life expenses. Blue Ribbon Benefits add value with 24/7 vet access, poison control, and grief counselling.
Pets Plus Us stands out with its 4Life Guarantee, which ensures lifelong coverage as long as the policy stays active, and there are no breed exclusions. However, it doesn’t cover dental care, pre-existing conditions, or preventive treatments, and lacks an unlimited coverage option.
Ideal Profile: Best for pet owners looking for customizable coverage with strong accident and illness protection. The Accident & Illness plan is ideal for those wanting comprehensive care, while the Accident Only plan is a budget-friendly alternative perfect for younger and active pets. A great fit for those seeking lifetime coverage with no breed restrictions.
- Two customizable annual limits: $7,500 or $15,000
- Accident-only plan available for budget-conscious pet owners
- Reimbursement options of 70%, 80%, or 90% for Accident & Illness
- Covers hereditary and congenital conditions
- Alternative therapies and behavioral therapy included
- $1,000 in additional benefits per incident for trip cancellations, boarding, lost pet advertising, and end-of-life costs
- 4Life Guarantee ensures lifetime renewability
- No breed exclusions
- No unlimited coverage option
- Dental care and routine wellness treatments not covered
- Pre-existing conditions are excluded
- Deductible increases with pet’s age
- Care and intervention
- Diseases and accidents
- Advertising/reward for a lost or stolen pet
- Direct payment by veterinarians at participating veterinary hospitals
- Care and intervention
- Diseases and accidents
- Advertising/reward for a lost or stolen pet
- Direct payment by veterinarians at participating veterinary hospitals
Trupanion Canada offers a simple yet robust pet insurance plan with 90% reimbursement and no payout limits—making it one of the few providers with truly unlimited coverage. Instead of annual deductibles, it uses a per-condition lifetime deductible, so you only pay once per issue, no matter how long treatment continues. Coverage begins after a 5-day waiting period for accidents and 30 days for illnesses.
The core plan includes diagnostics, surgeries, hospital stays, medications, and hereditary conditions. Trupanion Pet Insurance’s standout feature is its Vet Direct Pay system, allowing the insurer to pay your vet directly at checkout (at participating clinics), avoiding out-of-pocket costs. Optional add-ons cover alternative therapies and lost pet support.
While Trupanion Canada offers excellent long-term value for pets with chronic conditions, it doesn’t cover exam fees or routine care. Premiums are generally higher, but the unlimited coverage and direct vet payment make it a strong option for owners seeking dependable, lifetime protection.
Ideal Profile: Best for pets with chronic or hereditary conditions, especially if you're worried about long-term treatment costs. A solid choice for owners who want predictable costs and peace of mind, particularly for breeds prone to specific health issues. Not ideal if you're looking for coverage on routine checkups or want to customize reimbursement levels.
- 90% reimbursement
- No annual or lifetime payout caps
- Lifetime per-condition deductible is ideal for chronic conditions
- Option to pay vets directly at checkout
- Covers congenital and hereditary conditions
- Fast claims processing
- No coverage for exam fees or wellness/routine care
- Higher premiums compared to other providers
- Limited customization
- Not ideal for owners seeking coverage for preventative care
- Illness and accidents
- Dental care included
- Behavioural therapy
- Exams fees
- Illness and accidents
- Dental care included
- Behavioural therapy
- Exams fees
PHI Direct offers a simple, affordable pet insurance plan with two annual coverage limit options: $5,000 or $10,000. It features 80% reimbursement and a low $200 annual deductible, making it an accessible choice for budget-conscious pet owners. What makes PHI Direct unique is its “New-Condition Coverage” model—any condition treated during the policy year is considered pre-existing the following year, which helps keep premiums low but limits long-term coverage for recurring or chronic conditions.
The plan covers a broad range of treatments, including accidents, illnesses, surgeries, hospitalization, prescriptions, diagnostics, and even alternative therapies like acupuncture and physiotherapy. Exam fees and taxes are also covered, and 24/7 telehealth access is included for added convenience. Pets can be enrolled from 7 weeks up to 14 years old, and a 5% multi-pet discount is available. However, PHI Direct doesn’t cover routine dental care, wellness services, bilateral conditions, or ongoing treatment for issues from a prior policy year.
PHI Direct is best suited for young, healthy pets whose owners want low-cost protection against new accidents and illnesses. Its streamlined, no-frills model offers solid short-term value, but it's not ideal for pets with ongoing medical needs or those prone to chronic conditions.
Ideal Profile: Best for young, healthy pets or pet owners looking for affordable accident and illness coverage without ongoing treatment needs. The low-cost premiums and straightforward policy make it a good option for budget-conscious pet parents. Not suitable for pets with chronic conditions, as prior-year treatments are excluded from future coverage.
- Two affordable annual coverage options: $5,000 or $10,000
- Low $200 deductible, making claims reimbursement quicker
- Exam fees, taxes, and alternative therapies included
- 24/7 Telehealth support for quick pet health consultations
- 5% multi-pet discount for households with multiple pets
- Keeps premiums lower over time with the New-Condition model
- New-Condition Coverage model means conditions covered one year are excluded the next
- No coverage for pre-existing conditions, wellness care, or preventive treatments
- Bilateral conditions (e.g., hip dysplasia, cruciate ligament issues) are not covered
- Not ideal for pets with chronic illnesses requiring long-term treatment
- Multiple low deductible options
- Dental illness coverage included
- Unlimited+ plan has no waiting periods for preventive care
- Multi-pet discount and loyalty discount after the first year
- Multiple low deductible options
- Dental illness coverage included
- Unlimited+ plan has no waiting periods for preventive care
- Multi-pet discount and loyalty discount after the first year
OVMA Pet Health Insurance offers three plans: Comprehensive, Extended, and Unlimited+, all with 80% reimbursement after the deductible. Unlike many providers, OVMA includes exam fees and taxes, reducing out-of-pocket costs. The standout Unlimited+ plan has no annual limits for accidents and illnesses, making it one of the most comprehensive options in Canada.
All plans cover accidents, illnesses, surgeries, diagnostics, medications, hospitalization, and dental (up to $600/year depending on the plan). The Unlimited+ plan also includes annual wellness coverage ($450 for dogs, and $350 for cats). Additional benefits include alternative therapies, behavioural treatments, boarding fees, holiday cancellation, and cremation/burial expenses. While claims are reimbursed, OVMA does offer direct vet pay by request.
Created by the Ontario Veterinary Medical Association, OVMA stands out for its unlimited coverage, built-in wellness care, and non-medical perks. Lower-tier plans have condition-based annual caps, and customization is limited—reimbursement rates are fixed. Premiums for the Unlimited+ plan are higher, but the breadth of coverage and loyalty discounts (3% after year one, 5% after year two) add long-term value.
Ideal Profile: Best for pet owners who want premium coverage with no limits on accident and illness claims. Unlimited+ is ideal for pets with ongoing medical needs or owners who want wellness coverage included. Lower-tier plans suit pet parents seeking solid but capped protection. Not ideal for those looking for customizable reimbursement rates or lower-cost plans with unlimited benefits.
- Unlimited accident and illness coverage in the Unlimited+ plan
- Covers exam fees and taxes, reducing out-of-pocket costs
- Includes dental care ($300–$600 per year)
- Alternative therapies and behavioural training covered
- Wellness coverage is included in Unlimited+ ($450 for dogs, $350 for cats)
- Loyalty discount (3% after one year, 5% after two years)
- Direct vet-pay option available upon request
- Lower-tier plans have per-condition annual limits ($2,500–$5,000)
- No customization of reimbursement percentage (fixed at 80%)
- Wellness coverage only included in Unlimited+
- Unlimited+ premiums may be higher than basic coverage options
Welcoming a furry friend into your home is a joyous experience, but it's essential to consider their well-being and unexpected veterinary costs. That's where pet insurance comes into play. There are numerous companies that offer pet insurance in Manitoba, Canada, to provide financial protection for your beloved companion's health and ensure they receive the care they deserve.
However, with so many options available, it can be overwhelming to navigate through the sea of policies and providers.
In this comprehensive guide, we'll examine 10 prominent companies offering pet coverage in Manitoba. We'll explore what each company covers, what they don't cover, and highlight the pros and cons of their policies, so you can have a better understanding of the available options.
Pet insurance in Manitoba: 5 key takeaways
- Pet insurance in Manitoba, Canada, is offered by various companies.
- Coverage options typically include accidents, illnesses, surgeries, medications, and treatments,.
- Pre-existing conditions, breeding-related expenses, and cosmetic procedures are often excluded.
- Pros of these pet insurances include customizable coverage options, no upper age limit for enrollment, and options.
- Cons may include higher premiums for certain breeds or older pets, waiting periods and coverage limits.
Top 2025 best pet health insurances in Manitoba
Petsecure: Pet insurance with a 24/7 helpline
Petsecure offers comprehensive pet insurance plans that cover veterinary fees for accidents, illnesses, surgeries, medications, and treatments. They also provide coverage for dental care, alternative therapies, and additional benefits like advertising and reward if your pet goes missing. However, pre-existing conditions, breeding-related expenses, and cosmetic procedures are typically not covered.
Best part:
- Petsecure provides customizable coverage options, offers a range of deductibles and reimbursement levels, and has a quick claims process.
Major drawback:
- Some pet owners find the premiums to be on the higher side, and certain conditions may have waiting periods before coverage begins.
Trupanion: Pet insurance with no payout limits
Trupanion offers comprehensive coverage for accidents and illnesses, including hereditary and congenital conditions, diagnostic tests, surgeries, medications, and veterinary supplements. Pre-existing conditions, wellness care, and examination fees are typically not covered.
Best part:
- Trupanion has a straightforward policy structure, with no payout limits on claims and coverage for actual veterinary costs.
Major drawback:
- The premiums can be relatively expensive, and certain conditions may have waiting periods before coverage starts.
Pets Plus: Pet insurance with no upper age limit
Pets Plus Us offers various coverage plans that include accidents, illnesses, diagnostic tests, surgeries, medications, and alternative therapies. They also offer additional benefits such as coverage for preventative care and behavioral therapy. Its exclusions include pre-existing conditions and breeding-related expenses.
Best part:
- Pets Plus Us offers customizable coverage options, has no upper age limit for enrollment, and provides a 24/7 helpline for pet-related questions.
Major drawback:
- The coverage limits for certain conditions may be lower compared to other providers, and premiums can vary based on factors like age and breed.
Petline: Pet insurance with a simple claims process
Petline Insurance offers coverage for accidents, illnesses, surgeries, medications, and diagnostics. They also provide options for coverage of dental care and alternative therapies. Exclusions are pre-existing conditions, breeding-related expenses, and elective procedures.
Best part:
- Petline Insurance offers customizable plans, has a simple claims process, and provides coverage for hereditary and chronic conditions.
Major drawback:
- Some pet owners have reported issues with customer service, and the premiums may be higher for older pets or certain breeds.
PC pet health: Pet insurance with multi-pet discounts
PC Insurance offers coverage for accidents and illnesses, including diagnostic tests, surgeries, medications, and hospitalization. Please make a note that pre-existing conditions, wellness care, and breeding-related expenses are usually not covered.
Best part:
- PC Insurance offers affordable pet insurance plans, provides multi-pet discounts, and has a user-friendly online portal for managing policies.
Major drawback:
- The coverage limits for certain conditions may be lower compared to other providers, and some customers have reported challenges with the claims process.
CAA (Canadian Automobile Association): With coverage for hereditary and chronic conditions
CAA offers pet insurance coverage for accidents and illnesses, including diagnostic tests, surgeries, medications, and treatments. They also provide options for coverage of dental care and alternative therapies. Exclusions include pre-existing conditions, breeding-related expenses, and cosmetic procedures.
Best part:
- CAA offers customizable plans, has a simple claims process, and provides coverage for hereditary and chronic conditions.
Major drawback:
- Some pet owners have reported higher premiums compared to other providers, and coverage options may vary based on the province.
Petplan: Pet insurance with coverage for behavioral therapy
Petplan offers comprehensive coverage for accidents, illnesses, diagnostic tests, surgeries, medications, and treatments. They also cover hereditary and chronic conditions. Pre-existing conditions and wellness care are typically not covered.
Best part:
- Petplan has no maximum age limit for enrollment, offers coverage for behavioral therapy, and has a quick claims process.
Major drawback:
- Premiums may be higher compared to other providers, and certain conditions may have waiting periods before coverage begins.
24PetWatch: Pet insurance 24/7 pet recovery service
24PetWatch offers coverage for accidents and illnesses, including diagnostic tests, surgeries, medications, and treatments. They also provide options for coverage of dental care and alternative therapies. Exclusions are pre-existing conditions, breeding-related expenses, and cosmetic procedures.
Best part:
- 24PetWatch has customizable plans, offers coverage for hereditary and chronic conditions, and provides a 24/7 pet recovery service.
Major drawback:
- Some pet owners have reported challenges with the claims process, and premiums can vary based on factors like age and breed.
Desjardins: Pet health insurance that covers alternative therapies
Desjardins pet Insurance offers coverage for accidents and illnesses, including diagnostic tests, surgeries, medications, and treatments. They also provide options for coverage of dental care and alternative therapies. Exclusions include pre-existing conditions, breeding-related expenses, and elective procedures.
Best part:
- Desjardins Insurance provides customizable coverage options, offers coverage for behavioral therapy, and has a user-friendly claims process.
Major drawback:
- The premiums may be higher compared to other providers, and certain conditions may have waiting periods before coverage begins.
Western Financial Group: Pet insurance with coverage for chronic conditions
Western Financial Group offers coverage for accidents and illnesses, including diagnostic tests, surgeries, medications, and treatments. They also provide options for coverage of dental care and alternative therapies. You don't get coverage for pre-existing conditions, breeding-related expenses, and cosmetic procedures.
Best part:
- Western Financial Group offers customizable plans, provides coverage for hereditary and chronic conditions, and has a simple claims process.
Major drawback:
- Some customers have reported challenges with customer service, and coverage options may vary based on the province.
Using our free comparison tool below, compare the best pet insurances in Canada for 2025:
Compare the best pet insurance plans on the market!
How much does pet insurance cost in Manitoba?
The cost of pet insurance in Winnipeg - Manitoba can vary based on the age and breed of your pet, but here's a table with estimated prices to give you a better understanding of the prices:
| Company | Price range (monthly) |
|---|---|
| Petsecure | $25 - $80 |
| Trupanion | $30 - $100 |
| Pets Plus Us | $20 - $70 |
| Petline Insurance | $25 - $75 |
| PC Insurance | $15 - $50 |
| CAA | $20 - $70 |
| Petplan | $35 - $90 |
| 24PetWatch | $20 - $60 |
| Desjardins Insurance | $25 - $80 |
| Western Financial Group | $15 - $60 |
Good to know
Remember to carefully review each company's policy terms, coverage limits, deductibles, and exclusions to ensure that their offerings align with your specific needs and the needs of your pet.
How much is pet insurance for a dog in Manitoba?
The cost of pet insurance for a dog in Winnipeg Manitoba can vary depending on several factors, including the breed, age, and health of the pet, the coverage options chosen, and the insurance provider.
Here is a table with estimated monthly premiums for different dog breeds in Manitoba:
| Breed | Estimated Monthly Premium Range |
|---|---|
| Labrador Retriever | $30 - $60 |
| Golden Retriever | $30 - $60 |
| German Shepherd | $30 - $60 |
| Bulldog | $40 - $80 |
| Boxer | $30 - $60 |
| Beagle | $25 - $50 |
| Poodle | $30 - $60 |
| Yorkshire Terrier | $20 - $40 |
| French Bulldog | $40 - $80 |
| Siberian Husky | $30 - $60 |
| Rottweiler | $30 - $60 |
| Shih Tzu | $20 - $40 |
| Chihuahua | $20 - $40 |
| Great Dane | $40 - $80 |
| Dalmatian | $30 - $60 |
| Pomeranian | $20 - $40 |
| Australian Shepherd | $30 - $60 |
Find the cheapest, yest most covering insurance, by comparing the best offers on the market:
Compare the best pet insurance plans on the market!
How much is pet insurance for a cat in Manitoba?
Just like dogs, the cost of pet insurance for a cat in Manitoba can vary depending on several factors, including the breed, age, and health of the pet, the coverage options chosen, and the insurance provider.
Take a look at this table for an estimated price of pet insurance for different cat breeds in Winnipeg - Manitoba:
| Breed | Estimated Monthly Premium Range |
|---|---|
| Domestic Shorthair | $15 - $30 |
| Maine Coon | $20 - $40 |
| Siamese | $20 - $40 |
| Ragdoll | $20 - $40 |
| Bengal | $20 - $40 |
| Persian | $20 - $40 |
| Scottish Fold | $20 - $40 |
| Sphynx | $20 - $40 |
| Abyssinian | $20 - $40 |
| British Shorthair | $20 - $40 |
| Birman | $20 - $40 |
| Russian Blue | $20 - $40 |
| Exotic Shorthair | $20 - $40 |
| Norwegian Forest Cat | $20 - $40 |
| Devon Rex | $20 - $40 |
| Himalayan | $20 - $40 |
| Savannah | $20 - $40 |
Keep in mind
Please note that these premium ranges are estimates and can vary depending on the insurance provider, policy type, coverage options, and other factors. It's important to request quotes from different insurance companies to get more accurate pricing for your specific pet.
7 tipes to save money on pet insurance in Manitoba
Follow our tips to secure a cheaper pet insurance in Manitoba (without compromising the quality of your coverage):
- Opt for a higher deductible: Choosing a higher deductible can lower your monthly premium, but ensure you can comfortably afford the deductible amount.
- Consider essential coverage: Tailor your coverage to your pet's specific needs, opting for essential coverage rather than comprehensive plans that may be more expensive.
- Bundle multiple pets: If you have more than one pet, inquire about multi-pet discounts, as some insurance providers offer reduced rates for insuring multiple pets.
- Insure your pet early: Get pet insurance when your pet is young and healthy to avoid potential exclusions or higher premiums for pre-existing conditions.
- Maintain your pet's health: Keep up with routine preventive care, such as vaccinations and check-ups. Some insurance providers offer discounts or rewards for pets in good health.
- Inquire about discounts: Ask insurance providers if they offer any specific discounts, such as for military personnel, seniors, or members of certain organizations.
- Research multiple providers: Compare pet insurance providers in Manitoba to find the one that offers the best coverage and rates for your pet's needs.
Compare the best pet insurance plans on the market!
Is pet insurance in Manitoba worth it?
It most certainly is since it helps you save a lot of money that you'll end up spending without pet insurance.
Keep in mind
Veterinary care in Manitoba without pet insurance can cost you a lot. For instance, routine check-ups and vaccinations can range from $50 to $150. Spaying or neutering a dog can cost you between $200 and $500. depending on the size of the dog and any additional services provided.
The cost goes up for more complicated diseases or pets that require extra cases. With pet insurance by your side, you can offset these costs by getting reimbursement for a portion of your veterinary bills.
