Basic auto insurance in Manitoba is provided by a public insurer, Manitoba Public Insurance (MPI), through Autopac agents. Home, life, business and travel insurance come from private companies.
Basic Autopac from MPI is mandatory. It includes third-party liability of up to $500,000 (raised from $200,000 in 2021), coverage for damage to your vehicle, and the Personal Injury Protection Plan (PIPP), a no-fault plan that pays injury benefits whatever the fault. You can buy extra liability and other optional coverage, some of it from private insurers.
Spring flooding is a known risk in parts of Manitoba. Flood coverage is usually an optional add-on to home insurance, and in very high-risk areas insurers may not offer it. Ask what's included, especially for overland water and sewer backup.
The Insurance Council of Manitoba (icm.mb.ca) licenses insurance agents and adjusters in the province.
Manitoba's public health plan is Manitoba Health. It generally pays only part of emergency medical costs outside the province, and often much less outside Canada, which is why many travellers look at travel insurance. Read your plan's rules before you go.
General information, not advice. Rules change, so confirm with your province or territory, your insurer or a licensed advisor. Facts on this page were last checked in November 2026.
Yes. Basic Autopac from Manitoba Public Insurance is mandatory. It includes third-party liability of up to $500,000, coverage for damage to your vehicle and the Personal Injury Protection Plan (PIPP), which pays injury benefits whatever the fault.
MPI is the public insurer that provides basic auto insurance. Optional coverage and all other kinds of insurance are sold by private companies, through brokers and agents.
Contact the Insurance Council of Manitoba, or look someone up on its website if it has a lookup tool. An advisor should be glad to tell you which licence they hold.
It usually pays only part of emergency medical costs outside Manitoba, and often much less outside Canada. Many travellers add travel insurance. Read your plan's rules before you go.
Yes. Tell us what you need and where you live, and we'll pass your request to a licensed insurance advisor who can help in Manitoba. It's free, and talking to an advisor carries no obligation.