Pet Insurance in Manitoba

  • Visit any vet in the U.S. or Canada
  • Nose-to-tail coverage for illnesses and accidents
  • Comprehensive coverage for hereditary and congenital conditions
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What is Pet Insurance?

Pet insurance can help safeguard your furry family’s health. Just like you may insure yourself and your loved ones, you deserve help getting peace of mind for your loyal companions. Vet bills for unexpected accidents or illnesses can quickly become overwhelming. That's where pet insurance can help. With numerous potential threats lurking around the corner, pet insurance can help you rest easy knowing your beloved pooch or kitty is covered.

Why is pet insurance important in Manitoba?

Marijuana Ingestion

Because recreational use of cannabis is legal in Manitoba, pets can be at risk of consuming marijuana, which is toxic to pets. Marijuana poisoning can cause pets to act lethargic, or experience vomiting, agitation, tremors, or difficulty walking.1 The good news is that with proper treatment, most pets can recover quickly.

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Accidental Injuries

Manitoba’s outdoor environment can present dangers to your pet, such as poisonous plants, sharp objects, and wildlife encounters. Manitoba is home to many different poisonous plants as they are naturalized to the area due to the wet climate. Pets can be at risk by ingesting these poisonous plants or other toxins while out on a walk or while playing outside. By having a pet insurance plan in place, pet parents can rest easy knowing the eligible veterinary costs that can result from their pet’s unexpected and accidental exposure to these hazards are covered.

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Extreme Temperatures

This province can experience harsh winters, which can increase the likelihood of pets developing hypothermia if exposed to the cold weather for too long.2 Likewise, scorching hot summers can potentially lead to heatstroke in pets. Having a pet insurance plan can help ensure that in unexpected cases of weather-related emergencies, eligible veterinary care costs are covered. This can help provide you peace of mind and seek prompt treatment for pets affected by extreme temperatures.

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Why Spot Plans?

Spot helps provide pet parents the flexibility to choose their pet’s coverage from one of 4 tiers. Tier 1 offers accident-only coverage, while tiers 2 – 4 offer accident and illness coverage for your pet. With multiple coverage options to choose from, pet parents have help finding the plan that best fits both the needs of their pet and their budget.

Spot’s Wellness Riders

  • Spaying or Neutering: Covered for an extra cost, as part of the optional wellness add-ons.

  • Core Vaccines: Staying up to date with vaccines helps your pet stay healthy as they develop and age.

  • Wellness Exams: Routine exams and screenings give your vet the opportunity to detect health issues in the early stages.

“Cannabis Intoxication in Cats and Dogs,” VCA Animal Hospitals,, accessed Jan. 8, 2024.
The information presented in this article is for educational and informational purposes only and does not constitute or substitute for the advice of your veterinarian.

Manitoba Pet Insurance Information by City

Find city-specific information about Pet Insurance in the state of Manitoba.

Pet Insurance FAQs

Have questions about pet insurance and how it works? Let’s dig up an answer.

Do All Vets Take Spot Pet Insurance?

You can visit any licensed veterinarian, specialty clinic, or emergency clinic in the US or Canada.

What Does Pet Insurance Cover?

Pet insurance can put money back in your pocket for veterinary costs needed to diagnose, treat, and manage an eligible condition. Exams and rechecks, x-rays, ultra-sounds, bloodwork, surgeries, stitches, medication, and prescriptions, and even prescription diets are all examples of costs that can be claimed for if they are used to treat or diagnose a covered condition.

What is a Pre-Existing Condition?

A pet’s illness or accident is considered pre-existing if the condition was onset before the policy coverage effective dates, or during a waiting period. This means if the first signs or symptoms of a condition showed up before coverage started, it would be considered pre-existing to coverage, even if it was not formally diagnosed. The most common reason why an illness or an accident is not covered by any pet insurance provider is if the condition was present before coverage started. For coverage to be available with almost all types of insurance, the problem must be new and unexpected.

For example, if typical symptoms of allergies (itchy skin, ear infections) were present before the coverage was effective or appeared within the waiting period of the policy, the allergies and related conditions, such as itchy paws and pyoderma, would be pre-existing to coverage.

How are My Premiums Calculated?

In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are the plan you choose, if you have included preventative care coverage or not, and the discounts for which you are eligible.

What if I Miss a Payment?

When a premium payment does not go through successfully, we will send you an email letting you know. If you know you’ve missed a payment please give us a call at 1-888-501-7768, or log in to your account at to update your payment details. Premiums must be kept up to date for your policy to remain active.