Our honest review of Manulife pet insurance
Manulife does not sell pet insurance in Canada. Manulife underwrites pet insurance as a back-end carrier for Pets Plus Us through its commercial partnerships, but no Manulife-branded pet insurance is sold directly to consumers in Canada. The Manulife portfolio focuses on human-side insurance and wealth management. For a Canadian resident, the enrollment path on manulife.com or local channels does not lead to a regulated pet insurance product covered by a provincial regulator (AMF in Quebec, FSRA in Ontario, BCFSA in British Columbia or equivalent). The Canadian pet insurance market is already served by specialized players with comparable digital experiences and Canadian-regulated underwriters.
Our take: compare before signing up. With Trupanion, a Manulife-branded pet policy you can buy directly is a direct purchase path with unlimited cap, vs not commercialized to consumers at Manulife.
Alternatives to Manulife in 2026
The four pet insurance providers HelloSafe recommends for Canadians, since Manulife is not part of the Canadian market for pet coverage.
Unlimited annual payout for life, fixed 90% reimbursement, direct vet payment available.
Customizable plans for accident & illness, optional preventive care add-on, available in all provinces.
4 plans (Secure 1 to 4), up to CAD 20,000 annual cap, wellness coverage included on top tier.
Comprehensive accident & illness coverage including dental, behavioral therapy and exam fees.
Our take: compare before signing up. With Trupanion, a Manulife-branded pet policy you can buy directly is a direct purchase path with unlimited cap, vs not commercialized to consumers at Manulife. The four alternatives all operate as licensed Canadian pet insurers, with coverage paid in CAD and claims handled by a Canadian-regulated entity.
Frequently asked questions about Manulife
Does Manulife sell pet insurance in Canada?
No. As things stand, Manulife does not sell pet insurance to Canadian residents. Manulife underwrites pet insurance as a back-end carrier for Pets Plus Us through its commercial partnerships, but no Manulife-branded pet insurance is sold directly to consumers in Canada. The Manulife portfolio focuses on human-side insurance and wealth management.
Could Manulife launch pet insurance in Canada?
Manulife has a strong Canadian footprint in other insurance and financial services, which means provincial licensing is already in place. Launching a pet insurance line would require building a dedicated underwriting platform, a vet network, and a claims process. No such launch has been publicly announced.
What is the Canadian equivalent?
The closest Canadian option for a similar profile is Trupanion. The Vancouver-based carrier covers every province with a single plan, an unlimited annual cap, a flat 90% reimbursement rate and direct vet payment at participating clinics. For owners who want adjustable plans and an optional wellness add-on, Spot offers more customization, while Fetch includes broader illness coverage with dental care.
How does the Canadian pet insurance market compare in price?
Canadian providers typically start around CAD 25 to 40 a month for basic accident and illness coverage on a young dog or cat, with top-tier plans running closer to CAD 60 to 100 a month depending on breed and age. The price reflects the Canadian veterinary cost structure and the licensed regulatory framework in each province.
Can I sign up for a Canadian policy from outside Canada?
The four pet insurance providers HelloSafe recommends in Canada require a Canadian residential address and a Canadian bank account or credit card for enrollment. Coverage is governed by the provincial regulator in the province of residence. Cross-border signup is not supported.
