Your Autopac coverage protects you in Canada and the United States. Coverage is divided into three parts:
- Personal Injury Protection Plan (PIPP) for all Manitoba residents.
- All Perils coverage for accidental damage to your vehicle.
- Third-Party Liability coverage, which protects you against claims others may make against you. When you drive outside Manitoba, even if only for one-day or weekend trips, it’s important to keep your third-party liability coverage limit as high as possible. Liability claims, especially in the United States but also in some Canadian provinces, can run into the millions of dollars. You can buy additional third party liability coverage, up to $10 million, at a very reasonable cost.
If you are in a collision while outside Manitoba, follow these steps.
Renewing Autopac
Some Manitobans travel outside Manitoba for extended periods and may be away when it’s time to renew. If this is your situation, talk to your Autopac agent before leaving Manitoba. Your agent can make special arrangements to ensure your coverage continues while you’re away.
Travelling in Mexico
While your vehicle is in Mexico, your Autopac coverage is invalid.
Refund
If you use your vehicle in Mexico for longer than 14 days, we’ll refund your Autopac premium for the period beyond 14 days.
To get your refund, you’ll need to prove when your vehicle entered Mexico and when it left.
You’ll need these two documents:
- A Vehicle Importation/Tourist Card and a Foreign Insurance Certificate.
- A copy of your Exit Visa or your stamped passport.
With these documents, please apply for your refund at our Customer Service Centre, 234 Donald Street (cityplace), or by mail:
Manitoba Public Insurance
Box 6300
Winnipeg, Manitoba R3C 4A4
Purchasing travel health insurance
Medical care in the United States is especially costly. Manitoba Health alone may not provide sufficient protection for general medical care.
Check with Manitoba Health to confirm what general medical and health coverage it provides while you’re travelling. If you need more coverage, you can usually buy it through a travel agent or insurance broker.