What's the best pet insurance in Manitoba for 2024?
- 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 that covers accidents and illnesses with annual coverage limits of $5,000, $10,000, or $15,000. Reimbursement options are 70%, 80%, and 90%, and deductibles vary from $300, $500 or $700*, adjusted based on the pet's age (age-based deductible).
Fetch Pet Insurance includes extensive coverage for various medical needs, including prescription medications, emergency visits, surgeries, and breed-specific issues like hip dysplasia. Fetch also provides unique benefits such as coverage for every tooth and treatment for behavioral issues. The optional wellness add-on enhances coverage, including annual exams, vaccinations, and dental cleanings.
Fetch stands out due to its extensive dental coverage and the inclusion of sick-visit exam fees, which many competitors do not cover. A unique Healthy Pet Credit can reduce premiums by up to 30% for pets with no claims over two years. Compared to other companies like Trupanion, Fetch's maximum annual limit of $15,000 may seem limited, but it provides a balanced option between cost and coverage.
- Complete sick visits are covered
- Exam fees are included, which saves you around $50-$250 per sick visit
- Comprehensive dental and behavioural treatments (often excluded by other insurers)
- Healthy Pet Credit reduces premiums over time by up to 30% for pets with no claims over two years
- Extensive Dental Coverage for every tooth and related issue, unlike many competitors
- Breed-specific issues covered
- No Multi-Pet Discount
- Annual limit is capped at $15,000
- No Coverage for Pre-Existing Conditions
- Not available in New Brunswick and Quebec
- No per-incident or lifetime caps
- Short waiting periods for faster coverage activation
- Optional wellness coverage available for routine care
- Low $100 deductible for affordable out-of-pocket costs
- Multi-pet discounts available
Spot Pet Insurance offers both Accident & Illness and Accident Only plans with annual coverage limits of $5,000, $10,000, or unlimited. Reimbursement rates range from 70% to 90%, and deductibles from $100 to $300 are adjusted based on the pet's age. The Accident & Illness plan covers vet exam fees, surgeries, diagnostics, and alternative therapies. Spot also offers two wellness plans that can be added to any plan, covering routine and preventive care.
Spot's flexibility in plan options and coverage makes it ideal for pet owners looking for customizable insurance. Compared to other insurers, Spot has shorter waiting periods for coverage activation, making it a more favourable option.
- Customizable Plans to suit different needs
- Wellness Plan Options: Includes routine and preventive care
- No Per-Incident or Lifetime Caps: Unlimited annual limit option available
- High Trustpilot Rating of 4.7, indicating high customer satisfaction
- Shorter Waiting Periods; faster coverage activation compared to other insurers
- Multi-Pet Discount
- No Coverage for Dental Illnesses
- Age-Based Deductibles
- Not Available in Quebec
- Accidents and illnesses
- Exam fees and taxes
- Hereditary conditions
- Multi-pet discount
Pets Plus Us Pet Insurance offers two comprehensive plans: Accident & Illness and Accident Only. The Accident & Illness plan provides coverage options of $7,500 or $15,000, while the Accident Only plan offers a coverage limit of $5,000. Pets Plus Us is among the few providers that provide an accident-only plan.
For the Accident & Illness plan, you can choose reimbursement rates of 70%, 80%, or 90% of the veterinary bill, including taxes. The Accident Only plan has a reimbursement rate set at 80%. Deductibles range from $100 to $700 and are age-based, adjusting as your pet grows older. The 4Life Guarantee ensures that your pet’s benefits are renewed continuously throughout their lifetime. Pets Plus Us covers all breeds and breed-associated health conditions, except pre-existing conditions.
Additional benefits include boarding fees, holiday trip cancellations, and lost pet advertising. Pets Plus Us offers a multi-pet discount, making it attractive for households with multiple pets. The coverage for hereditary and congenital conditions and a shorter waiting period for accidents and illnesses sets it apart from many competitors. Notably, Costco Pet Insurance is offered through Pets Plus Us. If you're a Costco member, you can get up to 15% off on your Costco Pet Insurance premiums.
- Unique benefits like 24/7 PetHelpFone and a Compassionate Care Line
- Up to 15% discount for insuring multiple pets
- Short Waiting Periods compared to many competitors
- Coverage for breed-specific hereditary conditions
- Coverage for boarding fees and trip cancellations due to pet emergencies
- Accident-Only Plan option
- Costco members (Costco Pet Insurance) earn between 10% and 15% off
- BCAA Pet Insurance and CAA Pet Insurance are also offered through Pets Plus Us
- BCAA and CAA members get up to 13.5% off
- Does Not Cover Pre-Existing Conditions
- Age-based deductibles increase as pets age, which can raise costs over time
- No unlimited coverage option
- Does not cover wellness or preventive care, unless Flex Care is added
- Care and intervention
- Diseases and accidents
- Advertising/reward for a lost or stolen pet
- Direct payment by veterinarians at participating veterinary hospitals
Trupanion Pet Insurance offers a single, straightforward plan with unlimited annual coverage and a 90% reimbursement rate. Deductibles range from $0 to $1,000 and are per medical condition for the pet's lifetime, which can significantly lower out-of-pocket costs. Coverage includes new and unexpected injuries and illnesses, hereditary and congenital conditions, and advanced treatments like surgeries and hospital stays.
Trupanion's Vet Direct Pay system, which allows for direct payment to veterinarians, sets it apart from competitors like PHI Direct and Sonnet. However, it does not cover wellness care, exam fees, or preventive care.
- Unlimited Coverage as there are no annual or lifetime limits on coverage
- 90% reimbursement rates
- Direct Vet Payments
- Customizable Deductibles: from $0 to $1,000 per condition
- Coverage for Advanced Treatments including surgeries, hospital stays, and hereditary conditions
- 24/7 Support offering round-the-clock customer care
- Advanced Dentistry
- Routine care and wellness treatments are not included
- Exam fees are not covered under the policy
- More expensive than some competitors, like PHI Direct
- Illness and accidents
- Dental care included
- Behavioural therapy
- Exams fees
PHI Direct Pet Insurance provides a simple plan with annual coverage options of $5,000 or $10,000, an 80% reimbursement rate, and a low deductible of $200. This plan covers a range of treatments, including accidents, illnesses, and emergency care, making it a cost-effective choice for pet owners. It also includes coverage for behavioural therapy, dental fractures, and diagnostics.
PHI Direct is notable for its affordability, with lower premiums than many competitors. According to the 2021 North American Pet Health Insurance Association (NAPHIA) Industry Data Report, PHI Direct's average premiums are approximately 45.8% less for dogs and 37.7% less for cats compared to other insurers. However, it does not cover wellness care or pre-existing conditions, and it is not available in Quebec.
- Premiums are significantly lower than other insurers, making it a budget-friendly option
- Low Deductible: $200 deductible is lower than many competitors
- Coverage includes a wide range of treatments and emergency care
- Covers treatments for behavioural issues
- Does Not Cover Pre-Existing Conditions
- Maximum coverage is $10,000 per year
- Not Available in Quebec
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 2024 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 2024:
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.
