Excess Moisture Insurance
Excess Moisture Insurance (EMI) provides protection against the inability to seed land due to continuous excess moisture (flooding or rainfall in the spring).
Excess Moisture Insurance compensates producers who cannot seed their crops before June 20 due to excessively wet conditions. Excess Moisture Insurance is a basic component of the AgriInsurance program.
Offered by Manitoba Agricultural Services Corporation
Amount
Basic EMI coverage of $75 per acre, subject to a standard 5 per cent deductible, with the option to buy up to $100 or $125 per acre; producers pay 40 per cent of the premium for the basic $75 per acre coverage
Quick eligibility check
Who can apply
All acres that are ready for crop seeding on or before June 20 (including perennial forages, sod and pasture if these acres are destroyed by June 10 and are ready for seeding) are eligible.
Land added to a producer’s policy after March 31 is only eligible for EMI if it was purchased on or before June 30.
Landlords with an AgriInsurance policy will have EMI coverage. The landlord will have the same deductible and dollar value as their tenant and are required to pay their share of the related premium cost.
About the funding
- Basic EMI coverage of $75 per acre is included as part of the AgriInsurance program for all MASC policy holders, subject to a standard 5 per cent deductible.
- The deductible is calculated on the number of acres that would normally be available for seeding in the spring excluding cultivated land that was seeded the previous fall and land that is in perennial crop, sod, pasture, or bush.
- An insured’s EMI deductible percentage increases five per cent for each year that they have an EMI claim (that exceeds their base deductible acres) and decreases 5 per cent in each non-claim year to the minimum standard of 5 per cent.
- If an insured is in a tenant/landlord arrangement and has a claim on one unit, the deductible on the other unit(s) will also increase.
Show all funding details
High Dollar Value Options (HDVO)
Producers have the option to buy up coverage from the basic $75 per acre to $100 or $125 per acre. Only one buy-up level can be selected, which will apply to all acres on the producer’s policy.
Reduced Deductible Option (RDO)
This option allows producers to reduce their deductible to five per cent. The Canada Production Insurance Regulations (Federal) require that all insurance programs have a deductible.
Insureds selecting the EMI Reduced Deductible Option are charged additional premium on all acres eligible for EMI.
- Basic EMI coverage is provided automatically as part of the AgriInsurance program. EMI premium is based on all cultivated land, not just acres too wet too seed.
- Producers pay 40 per cent of the premium for the basic $75 per acre coverage.
- Producers pay 40 per cent of premiums for the HDVOs, up to $100 per acre coverage.
- Producers pay 67 per cent of the premiums for the top $25 per acre of the $125 per acre option.
- Producers pay 100 per cent of the RDO premium.
- The remainder of EMI premiums are funded by the federal and provincial governments.
Excess Moisture Insurance compensates producers who cannot seed their crops before June 20 due to excessively wet conditions. Excess Moisture Insurance is a basic component of the AgriInsurance program.
A claim is calculated on the number of acres not seeded due to excess moisture, less the EMI deductible multiplied by the Dollar Value ($75, $100 or $125).
An EMI indemnity will not be paid if there are less than 10 acres that were not seeded due to excess moisture on a whole farm basis or by unit if a landlord policy is involved.
EMI Coverage and Producer Share of Premium Costs per acre (2026 crop year)
Producer Deductible: 5% Deductible; $75 Basic Coverage: $1.11; $100 HDVO: $1.64; $125 HDVO: $2.81; $75 Reduced Deductible Option: N/A; $100 HDVO & Reduced Deductible: N/A; $125 HDVO & Reduced Deductible: N/A
Producer Deductible: 10% Deductible; $75 Basic Coverage: $1.11; $100 HDVO: $1.92; $125 HDVO: $3.63; $75 Reduced Deductible Option: $2.16; $100 HDVO & Reduced Deductible: $3.32; $125 HDVO & Reduced Deductible: $5.38
Producer Deductible: 15% Deductible; $75 Basic Coverage: $1.11; $100 HDVO: $2.35; $125 HDVO: $4.85; $75 Reduced Deductible Option: $4.28; $100 HDVO & Reduced Deductible: $6.58; $125 HDVO & Reduced Deductible: $10.14
Producer Deductible: 20% Deductible; $75 Basic Coverage: $1.11; $100 HDVO: $3; $125 HDVO: $6.63; $75 Reduced Deductible Option: $7.49; $100 HDVO & Reduced Deductible: $11.51; $125 HDVO & Reduced Deductible: $17.27
Producer Deductible: 25% Deductible; $75 Basic Coverage: $1.11; $100 HDVO: $3.98; $125 HDVO: $9.24; $75 Reduced Deductible Option: $11.78; $100 HDVO & Reduced Deductible: $18.21; $125 HDVO & Reduced Deductible: $27.03
Producer Deductible: 30% Deductible; $75 Basic Coverage: $1.11; $100 HDVO: $5.44; $125 HDVO: $13.01; $75 Reduced Deductible Option: $17.16; $100 HDVO & Reduced Deductible: $26.84; $125 HDVO & Reduced Deductible: $39.76
Producer Deductible: 35% Deductible; $75 Basic Coverage: $1.11; $100 HDVO: $7.61; $125 HDVO: $18.45; $75 Reduced Deductible Option: $23.61; $100 HDVO & Reduced Deductible: $37.61; $125 HDVO & Reduced Deductible: $55.95
Producer Deductible: 40% and above; $75 Basic Coverage: $1.11; $100 HDVO: N/A; $125 HDVO: N/A; $75 Reduced Deductible Option: N/A; $100 HDVO & Reduced Deductible: N/A; $125 HDVO & Reduced Deductible: N/A
Similar programs
| Program | Type | Amount | Status |
|---|---|---|---|
| AgriInsurance for Organic Crops | Insurance | Organic crop insurance coverage based on individual yield history (50 per cent of the conventional average yield for each year of missing data), with the premium cost shared 40 per cent by the producer, 36 per cent by the Government of Canada and 24 per cent by the Province of Manitoba | Open |
| Basic Hay Insurance | Insurance | Coverage of 80 per cent of the Probable Yield, valued at the High Dollar Value ($114 per tonne) or Low Dollar Value ($68 per tonne) option | Open |
| Contract Price Option | Insurance | No fixed amount | Open |
| Corn Insurance | Insurance | Coverage of 50, 70, or 80 per cent of probable yield, or Crop Coverage Plus (CCP) up to 90 per cent coverage (excluding silage) | Open |
