Get the Best Pet Insurance in Quebec for 2024
- 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
- 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
- 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
- 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 ($2,500), Extended ($5,000), and Unlimited+. The Unlimited+ plan provides unlimited annual coverage with an 80% reimbursement rate and deductibles ranging from $100 to $400. Coverage includes hospitalization, surgery, diagnostics, and alternative therapies. The plan also covers dental illness, boarding fees, and holiday cancellations.
Designed by the Ontario Veterinary Medical Association, OVMA offers extensive benefits, including dental illness coverage and no waiting period for preventive care on the Unlimited+ plan. It also provides multi-pet and loyalty discounts. Compared to companies like Sonnet and Petsecure, OVMA's Unlimited+ plan offers more extensive coverage with fewer waiting periods.
- Comprehensive Benefits; including dental illness and alternative therapies
- Unlimited Coverage Option available with fewer waiting periods
- Multi-Pet and Loyalty Discounts
- No Waiting Period for Preventive Care on the Unlimited+ plan
- Pet Ownership Assistance
- Coverage for vet exams
- Six-Month Waiting Period for Dental Coverage
- Higher Premiums
- Age-Based Deductible
- Cheaper monthly premiums than most other companies
- Dental illness coverage includes cleanings
- Pet ownership coverage included
- Includes behavioural therapy and alternative therapies
Sonnet Pet Insurance offers a straightforward plan with a maximum annual coverage of $5,000, including $2,500 per accident and $2,500 per condition. The plan has an 80% reimbursement rate and deductibles of $100 or $300, adjusted based on the pet's age. Coverage includes exam fees, surgeries, diagnostics, dental work, alternative and behavioural therapies, and travel coverage.
Sonnet is notable for its simplicity and affordability, making it a good option for pet owners seeking straightforward coverage. However, it lacks wellness coverage and has a six-month waiting period for certain conditions. Compared to more comprehensive plans like those from OVMA or Fetch, Sonnet provides a more budget-friendly but less extensive option.
- Simple and Straightforward Plan; Easy to understand and manage
- Affordable Premiums
- Dental Illness Coverage
- Pet Ownership Coverage; includes boarding fees and trip cancellation
- Offers $100 or $300 deductible options
- Maximum Coverage of $5,000
- No routine care coverage
- Six-Month Waiting Period for Certain Conditions; Longer waiting period for dental and specific conditions
- Age-based deductible
New or experienced, searching for the best pet insurance in Quebec that fits your budget and meets your pet's needs can be overwhelming. There are many options available, and the abundance of information can make it difficult to know where to begin.
Fortunately, HelloSafe has taken the time to conduct thorough research for you. In this article, we will provide insights into the best pet insurance in Quebec, what they cover, what they exclude, pricing information, reviews, and more.
What's more, with HelloSafe's reliable partners, you can compare and obtain quotes from Quebec's best pet insurance companies within seconds. Get set to discover the best pet insurance option for you and your beloved furry companion.
Top 7 best pet insurances in Quebec for 2024
- Trupanion Pet Insurance: Policy with 90% reimbursement
- PetsPlusUs Pet Insurance: Best for Extensive Benefits
- OVMA Pet Health Insurance: Best for Local Expertise
- Sonnet Pet Insurance: Best for Simple Coverage
- Desjardins Pet Insurance: Affordable with good coverage
- Peppermint Pet Insurance: Best for Budget-Friendly Basic Coverage
- Petsecure Pet Insurance: Best for Comprehensive Dental Coverage
Our 2024 ranking of the best Quebec pet insurances
Trupanion Pet Insurance: Policy with 90% Reimbursement
Overview: Trupanion offers a single comprehensive plan with unlimited annual coverage and a 90% reimbursement rate. Deductibles range from $0 to $1,000 per medical condition for the pet's lifetime. Coverage includes new injuries, illnesses, hereditary and congenital conditions, and advanced treatments such as surgeries and hospital stays. The Vet Direct Pay system allows for direct payment to veterinarians, reducing out-of-pocket costs by a huge margin.
Pros:
- Unlimited coverage with no annual or lifetime limits.
- 90% reimbursement rate, lowering out-of-pocket costs.
- Direct Vet Payments via Vet Direct Pay system.
- Customizable deductibles per condition.
- High Trustpilot rating of 4.1.
- Covers advanced treatments including surgeries and hereditary conditions.
Cons:
- Routine care and exam fees are not included.
- More expensive than some competitors.
- Does not cover wellness treatments.
Read: Our full Trupanion Pet Insurance Review.
PetsPlusUs Pet Insurance: Best for Extensive Benefits
Overview: PetsPlusUs offers two main plans: Accident & Illness and Accident Only. The Accident & Illness plan provides coverage options of $7,500 or $15,000, while the Accident Only plan has a $5,000 limit. You can choose reimbursement rates of 70%, 80%, or 90% for Accident & Illness, and 80% for Accident Only. Deductibles range from $100 to $700 based on your pet's age, and the 4Life Guarantee ensures continuous benefits renewal throughout your pet's lifetime. Coverage includes boarding fees, trip cancellations, and lost pet advertising. Additional benefits feature 24/7 access to PetHelpFone and a Compassionate Care Line.
Pros:
- Unique benefits like 24/7 PetHelpFone and Compassionate Care Line.
- Up to 15% discount for insuring multiple pets.
- Shorter waiting periods compared to many competitors.
- Coverage for breed-specific hereditary conditions.
- Includes boarding fees and trip cancellation due to pet emergencies.
- Offers an Accident-Only plan option.
Cons:
- Does not cover pre-existing conditions.
- Age-based deductibles increase costs as pets age.
- No unlimited coverage option.
- Does not cover wellness or preventive care, unless Flex Care is added.
You can get a free quote from our partner Pets Plus Us right here. You get results instantly and online.
OVMA Pet Health Insurance: Best for Local Expertise
Overview: OVMA Pet Health Insurance offers three plans: Comprehensive ($2,500), Extended ($5,000), and Unlimited+. The Unlimited+ plan provides unlimited annual coverage with an 80% reimbursement rate. Coverage includes hospitalization, surgery, diagnostics, alternative therapies, dental illness, and boarding fees. Designed by the Ontario Veterinary Medical Association, OVMA provides extensive benefits with fewer waiting periods for preventive care.
Pros:
- Comprehensive benefits, including dental illness and alternative therapies.
- Unlimited coverage option available.
- Multi-pet and loyalty discounts offered.
- No waiting period for preventive care on the Unlimited+ plan.
- Local expertise from the Ontario Veterinary Medical Association.
Cons:
- Six-month waiting period for dental coverage.
- Higher premiums compared to some competitors.
- Age-based deductibles may increase costs over time.
Read: Our full OVMA Pet Health Insurance review.
Sonnet Pet Insurance: Best for Simple Coverage
Overview: Sonnet offers a straightforward plan with a maximum annual coverage of $5,000, divided into $2,500 per accident and $2,500 per condition. The plan features an 80% reimbursement rate and deductibles of $100 or $300, depending on the pet's age. Coverage includes vet exam fees, surgeries, diagnostics, dental work, and alternative and behavioural therapies.
Pros:
- Simple and straightforward plan structure.
- Affordable premiums.
- Includes coverage for dental illnesses.
- High Trustpilot rating of 4.3.
- Covers boarding fees and trip cancellations due to pet emergencies.
- Offers $100 or $300 deductible options.
Cons:
- Maximum coverage of $5,000 per year.
- No routine care or wellness coverage.
- Six-month waiting period for certain conditions.
Desjardins Pet Insurance: Affordable with Good Coverage
Overview: Desjardins offers three plans: Bronze Paw, Silver Paw, and Gold Paw, with coverage limits ranging from $4,000 to unlimited. The reimbursement rate is 80%, with a $100 deductible adjusted for pet age. Coverage includes vet exams, surgeries, diagnostics, dental care, alternative and behavioral therapies, and preventive care in the Gold Paw plan.
Pros:
- Flexible coverage options with three plan levels.
- Comprehensive benefits including dental care and preventive treatments.
- Multi-pet discount up to 15%.
- Covers alternative and behavioral therapies.
- Insure a pet at any age.
Cons:
- Age-based deductibles can increase costs.
- Preventive care coverage is only in the Gold Paw plan.
- No customization options for reimbursement rates or deductibles.
Read: Our full Desjardins Pet Insurance review.
Peppermint Pet Insurance: Best for Budget-Friendly Basic Coverage
Overview: Peppermint offers four plans: Lite ($1,500 per accident (Accident-Only Plan)), Base ($3,000), Plus ($5,000), and Prime ($10,000). The reimbursement rate is 80%, and the deductible is $100, adjusted based on the pet's age. Coverage includes vet exams, surgeries, diagnostics, medications, and alternative therapies.
Pros:
- Budget-friendly premiums suitable for essential coverage.
- Includes alternative therapies such as acupuncture and chiropractic care.
- Low $100 deductible.
- Covers boarding fees and trip cancellations due to pet emergencies.
- Offers an Accident-Only plan option.
Cons:
- No unlimited coverage option; maximum coverage is $10,000.
- No vet-direct payment.
- Does not cover dental illnesses or preventive care.
Read: Our full Peppermint Pet Insurance Review.
Petsecure Pet Insurance: Best for Comprehensive Dental Coverage
Overview: Petsecure offers four plans: Secure 1 ($2,000), Secure 2 ($5,000), Secure 3 ($10,000), and Secure 4 (Unlimited). The reimbursement rate is fixed at 80%, and deductibles range from $100 to $400 based on pet age. Coverage includes vet bills, alternative treatments, dental care, accidents and illnesses, medications, and behavioral therapy. The Secure 4 plan includes wellness coverage.
Pros:
- Comprehensive dental coverage including annual cleanings and treatments.
- Flexible plan options with four levels of coverage.
- Wellness coverage available in the unlimited plan.
- Multi-pet discount up to 15%.
- Extensive coverage for various treatments and emergencies.
- Covers behavioral therapy.
Cons:
- Six-month waiting period for certain conditions.
- Higher premiums than some competitors.
- Trustpilot rating of 2.0 indicates mixed customer experiences.
Read: Our full Petsecure Pet Insurance Review.
How does pet insurance work in Quebec?
Like in the rest of Canada, Quebec pet insurance helps pet owners by paying for a significant portion of unexpected veterinary costs for their animals. The comparison tool above can help you choose the best pet insurance in Quebec for you and your companion, so you can rest assured knowing that you are empowered to act on your pet’s needs when the time comes.
Once you’ve chosen the best health insurance that suits your pet, the insurance provider will calculate a premium (based on several factors such as the type of animal, age and breed) that you will pay each month.
Watch out!
Most pet insurance policies include a waiting period after the purchase, so make sure to wait until the end of this period (if you can) for any veterinary treatment.
Normally, you will have to pay for any veterinary expenses yourself and then the insurance kicks in with a reimbursement. Rates of reimbursement are typically between 80% and 100%. For example, Desjardins pet insurance offers 80% of expenses covered and a 10% discount if you insure 3 or more pets with them.
Some insurers do offer to pay the vet directly but keep in mind that in these cases, you will have to look for a vet that partners with your insurance provider. If your preferred vet clinic or animal hospital is a part of their network, then it might be worth considering for your policy.
Occasionally, providers also offer a 24-hour helpline that you can call for advice or help to find a vet.
Expert advice
Do you know the OMVQ? The Ordre des Médecins Vétérinaires du Québec (OMQV) regulates the professional practice of Québec’s 2,600 veterinarians, be it in clinics or hospitals. Although they don’t offer insurance themselves, they provide plenty of information on adopting, owning and caring for animals in Quebec. Additionally, you can also contact them when selecting your vet as registration with the OMQV is mandatory for vets in Quebec.
How much does pet insurance cost in Quebec?
The average premium for pet insurance in Canada is reportedly somewhere around $29 a month for a cat and $39 a month for a dog.
Quebec pet insurance varies based on multiple factors. These include the type of your animal, their age, the extent of coverage provided, your chosen reimbursement rate, the deductible amount, and the annual payout limit.
Each of these elements contributes to determining the monthly premium you will pay for your pet insurance policy. By considering these factors carefully, you can customise your coverage to suit your pet's needs and your budget. Whether you're looking for pet insurance in Montreal or Gatineau or Quebec city, the pet insurance prices are roughly the same.
Dog pet Insurance cost in Quebec
Below, you can see how much pet insurance for a dog costs for Quebec’s most beloved breed, the German Shepherd. It is important to note that the cost and expenses mentioned here are an average and may differ from one provider to another.
| Age | Max annual payout | Max annual deductible | Reimbursement rate | Monthly premium |
|---|---|---|---|---|
| <11 months | $5,000 | $700 | 70% | $58.12 |
| <11 months | $15,000 | $300 | 90% | $130.40 |
| 5 years | $5,000 | $700 | 70% | $92.42 |
| 5 years | $15,000 | $300 | 90% | $211.80 |
Good to know
Some cities in Quebec have deemed certain dog breeds aggressive, and the German Shepherd is often on that list. In such a case, you’ll usually need a special permit and additional rules may apply when walking your dog.
Cat pet Insurance cost in Quebec
If it’s a cat you’re looking to insure, here is an example of pet insurance for a cat in Quebec, using Trupanion pet insurance and the most common breed in La Belle Province, the Domestic Shorthair, as an example.
| Age | Deductible per condition | Reimbursement rate | Monthly premium |
|---|---|---|---|
| <11 months | $700 | 90% | $16.46 |
| <11 months | $0 | 90% | $38.21 |
| 5 years | $700 | 90% | $27.38 |
| 5 years | $300 | 90% | $74.17 |
Good to know
Many pet insurance providers offer an annual deductible, but Trupanion’s deductible is per condition, meaning you only pay the deductible for every new condition diagnosed.
Is pet insurance more expensive in Quebec?
No. Pet insurance is private, which means it doesn’t change from province to province. Most pet insurance companies offer coverage to anyone living anywhere in Canada, and often even include the U.S.
Therefore, pet insurance in Montreal, for example, will be no more expensive than Pet Insurance Toronto or BC pet insurance or Nova Scotia pet insurance — though the pets and their conditions themselves may differ significantly.
For example, basic pet insurance in Toronto generally starts at around $39 per month for a dog and $29 per month for a cat. But it might change based on the age, lifestyle of the pet, and other factors.
Sometimes, there are differences between rural, suburban and rural areas because pet ownership in different places comes with different risks. Cat insurance is, however, typically less expensive than insurance for dogs.
What does pet insurance cover in Quebec?
Pet insurance in Quebec covers a variety of accidents, sickness and longer-term conditions for your pet, whether it’s a cat, dog, bird, reptile or other. The availability of the treatments and the amount reimbursed will depend on your policy’s coverage.
Accident and illness coverage
If your pet has an accident or becomes unwell, most insurance policies will cover the costs of:
- X-rays
- Short stays for monitoring
- Emergency diagnosis
- Prescriptions
- Any surgery they may need
- MRI and other scans
- Chemotherapy
For example
Pushkin is a one-year-old German Shepherd who lives with Sophie, her owner. Sophie has got another 2 dogs and 2 cats, and that’s why she got multi-pet insurance in her native Montreal. While Sophie was at the dog park with her 3 dogs, Pushkin suddenly started acting strangely, wobbling around and looking disoriented. Worried that Pushkin may have eaten something toxic at the park, Sophie rushed her to the nearby animal hospital where Pushkin was diagnosed with a toxin ingestion. The vet told Sophie it was probably the end of a marijuana joint, a common issue in dog parks. Thankfully, Pushkin fully recovered.
The total bill at the animal hospital was $650, including a few tests and medicine. Sophie’s insurance covers 90% of the bill without a deductible, so she only ends up paying $65.
Preventative care coverage
Preventative medicine is always more effective (and cheaper in most pets’ lifetimes) than reactive medicine. However, only the best pet insurance in Quebec will cover these kinds of treatments, including:
- Annual examinations
- Vaccines
- Flea treatments
- Urinalysis and fecal analysis
- Parasitic treatment
Pet insurance does not typically cover routine trips to the vet, but some insurers offer wellness add-ons or separate policies that cover common, recurring tests and procedures.
Watch out!
Pet insurance providers almost never cover pre-existing conditions, which means it’s better to get insurance when your pet is young!
Is pet insurance worth it in Quebec?
The simple answer is yes, pet insurance is almost always worth it. If you have a young, healthy animal who will only need to see the vet for routine visits, then you might be well able to pay for these by putting aside some money from your paycheck.
However, many animals run into health problems at least once in their lifetime, and the vet bills in these cases can grow quickly.
Pet insurance becomes even more worthwhile if you have an older animal or one that is prone to health problems. In that case, you are unlikely to be able to save enough to pay for long-term care without suffering financial stress yourself.
Not having adequate protection can mean having to pay hefty, unexpected fees (that are difficult for any budget) or, in a worst-case scenario, not being able to pay for treatment for your pet at all.
Although the cost of treatments differs slightly from animal to animal, let’s have a look at some typical costs associated with healthcare for dogs, as an example:
| Veterinary services for an adult dog | Cost |
|---|---|
| Routine visit | $120 |
| Vaccines | $150 |
| Parasite prevention | $200 |
| Dental x-rays | $245 |
| Teeth cleaning | $531 |
| Tests and screening | $250 |
As you can see, the cost of routine visits and normal, preventative care is not negligible. If you imagine a situation, perhaps with an older pet, where routine care needs to be more frequent and health can suddenly deteriorate and cause other problems, you can see the need for more comprehensive insurance.
Meanwhile, a younger dog, from a relatively healthy breed might only need accident insurance to cover them if they are injured. Either way, it is better to have insurance you don't use than not to have insurance and need it!
Good to know
Pet insurance policies rarely cover pre-existing conditions, so it’s best to get insured before your pet runs into health problems.
Is there CAA Pet Insurance in Quebec?
If you are a member of CAA-Quebec then you might be eligible for the CAA pet insurance discount in Quebec. It may seem odd, but Quebec’s affiliate of the Canadian Automobile Association also offers pet insurance, though they focus primarily on car insurance and assistance.
If you’re already a CAA-Quebec member, it may be worth having a look. Keep in mind that it is always useful to compare policies to choose the best pet health insurance in Quebec for your four-legged family member.
Where to adopt a pet in Quebec?
Several institutions in Quebec have shelters where you can easily adopt an animal. The Companion Animal Adoption Centres of Quebec (caacQ) groups adoption centres under one cruelty-free banner.
These adoption centres do not impose a time limit for adoption on their residents and offer sterilisation, and often even vaccination, as a part of their adoption process.
Good to know
In addition, almost every city in Quebec has an SPCA centre that you can adopt from. All you have to do is visit one of their shelters and bring all household members with you, including children, roommates and other dogs, to make sure it’s a match.
As a dog or cat owner, most cities in Quebec have certain rules you must abide by. These usually include:
- Having a valid pet license that can be renewed annually
- Ensuring your dogs or cats wear their tags
- Making sure your pets are neutered/spayed and microchipped
- Maintaining them on a leash in public spaces (except dog parks)
- Picking up your pet’s droppings and dispose of them appropriately
- When using dog parks, make sure your pet’s vaccines are up to date
Expert advice
Puppies should not visit dog parks until their vaccination is complete, which is usually when they are 4 months old at the earliest. It is also important to treat them against parasites.
The rules for other pets, such as birds, rodents, rabbits or reptiles, are largely unregulated, but the owner or caretaker is always responsible for their animal’s actions.
What should I consider when choosing pet insurance in Quebec?
Pet owners in Quebec have many options when it comes to pet insurance to protect their animal family members and prevent an unpleasant financial shock.
Here are the main factors to consider when choosing the best pet insurance for you:
- Animal: Not all animals carry the same risks, so pet insurance differs from animal to animal. Larger animals tend to be more expensive to insure than smaller animals.
- Age: Generally, the younger the animal, the cheaper the premium and overall insurance will be. Also, an older animal is more likely to develop a health condition, and insurers do not cover pre-existing conditions.
- Breed: Some breeds are more expensive to insure than others. For example, dog insurance for Great Danes costs significantly more than cat insurance for an American Shorthair.
- Gender: Male animals are more expensive to insure than female animals. Also, spayed females have the lowest premiums in cats and dogs.
- Deductible: The higher the deductible, the cheaper the premium. However, keep in mind that your insurance will only reimburse your vet expenses after you’ve paid the deductible from your own pocket.
- Location: Where you live with your pet will influence how much you pay. Certain regions and environments carry more outdoor risks than others.
- Add-ons: You can purchase additional coverage such as wellness plans or preventive medicine, though these will increase the cost of your policy.
Compare the best pet insurance plans on the market!
