Win free pet food for a year!†

Blue Rewards Members, earn 500 Blue Points and a chance to win when you get a quote.

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Hairballs are messy. Coverage isn’t.

Pet Insurance that covers up to 90% of eligible vet bills for new injuries and illnesses, for life.1

Get a quote

Simple. Trusted. Covered.

Get started in four easy steps

1

Get a quote

It takes less than 5 minutes. Just tell us a little about your pet, and we'll give you a personalized quote based on their age, breed, and location.

2

Get covered

Complete a simple application to activate your coverage. Once approved, your policy kicks in after a short waiting period, so you and your pet can feel secure, sooner.

3

Go to the vet

Visit any licensed veterinarian, specialist, or emergency clinic in Canada, the United States or Puerto Rico. You have the freedom to choose the right vet for your pet.

4

Direct payments to your vet

This is a game-changer. Instead of waiting for a reimbursement payment, your veterinarian is paid directly at checkout in seconds. Participating clinics only.

VetDirect Pay Locator

FAQs

Good Reads

Insights, tips and guides for you and your furry sidekick, because wellness isn’t just a solo journey—it’s a shared adventure.

Preventive Health Tips for Dogs and Cats That Can Save Money

Preventive Health Tips for Dogs and Cats That Can Save Money

For many pet parents, a dog or cat isn't just another pet—they're a beloved member of the family. And keeping family members happy, healthy, and thriving is a top priority. So, what can you do to help your pet live a long, pain-free life?

Read more
9 Common Pet Emergencies

9 Common Pet Emergencies

If you’re a pet parent in Canada, you know how much dogs and cats mean to us. But just like people, pets can have emergencies. And when they do, vet bills can add up fast.

Read more
What Does Pet Insurance Cover?

What Does Pet Insurance Cover?

Just as human health insurance coverage varies by provider, so does pet insurance coverage. But there are some conditions, illnesses, accidents, and other items commonly covered by pet insurance for cats and dogs.

Read more
View all articles

Ready to Protect Your Pet?

Join thousands of Canadian pet owners who have already found reassurance in knowing that their furry family members are getting the care they deserve with coverage from our partner, Trupanion. Your pet's future is worth it.

Still Have Questions?

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Bank of Montreal Insurance

BMO Pet Insurance in partnership with Trupanion is distributed by BMO Insurance Solutions Inc. (BMOIS) and/or Canada Pet Health Insurance Services, Inc. (CPHIS) doing business as Trupanion. Trupanion policies are underwritten by GPIC Insurance Company. CPHIS is a registered damage insurance agency and claims adjuster in Quebec #603927. For more information, call 1 888-343-0108.

Pet insurance available in select provinces and territories.

Policies are subject to applicable waiting periods, deductibles, co-insurance, payout percentage, and exclusions such as pre-existing conditions. Products, discounts, and rates are subject to change.

1Coverage for life means your pet’s eligible vet bills will continue to be covered as long as your policy remains active, and premiums are paid.

2Certain coverage or treatments may require the purchase of additional riders. See policy for full details.

Certain names, graphics, logos, icons, designs, words, titles or phrases on this website including the Trupanion name, logo and VetDirect PayTM are trademarks or tradenames owned by Trupanion, Inc. and used under license.

Certain names, graphics, logos, icons, designs, words, titles or phrases on this website are trade names, or trademarks owned by Bank of Montreal or other entities or licensed to them. These are used under license by BMO Insurance Solutions Inc. (BMOIS).

This website provides summaries of some of the benefits and limitations of the plans. All insurance products are subject to limitations, conditions and exclusions that are more particularly described in the applicable policy in force at the time of purchase and applicable legislation. In the event of any discrepancies between this website, general print and digital media, and the terms of your policy shall prevail.

Products distributed by BMOIS cannot be purchased in BMO (Bank of Montreal) branches or BMO Virtual Connect.

BMOIS is a licensed insurance agency and licensed insurance brokerage in Ontario (RIBO #6498). All policies sold are underwritten and managed by our partnered insurers. For more information on our compensation practices, please see our detailed disclosure document.

To learn more about how BMOIS collects, uses, discloses, and safeguards your Personal Information, your choices, and the rights you have, please see our privacy code.

†No purchase necessary. Contest open to legal residents of Canada who are 18 years of age or older and have a valid Blue Rewards membership number or become a Blue Rewards Member during the contest period. Contest runs from September 1, 2026, at 12:00:00 a.m. ET to December 31, 2026, at 11:59:59 p.m. ET. To enter, obtain a BMO Pet Insurance quote during the contest period and provide a valid Blue Rewards membership number. Limit of one (1) entry per person/household. Eligible entrants will receive 500 Blue Points, subject to Blue Rewards program terms and conditions. One (1) Grand Prize is available to be won: a Global Pet Foods Inc. (doing business in Quebec as Pitou Minou & Compagnons Inc.) ("GPF") gift card with an approximate retail value of $4,000 CAD. Odds of winning depend on the number of eligible entries received. Selected entrant must correctly answer a time-limited mathematical skill-testing question and comply with all contest requirements before being declared a winner. View full contest rules.

‡5% discount available on BMO Health & Dental Insurance plans for Blue Rewards members. Offer ends December 31, 2026, and applies to applications submitted on or before that date. To qualify, customers must provide a valid Blue Rewards membership number during the application process. The discount applies to policies that remain active and in good standing, subject to applicable terms and conditions. BMOIS reserves the right to modify, withdraw, or terminate this offer at any time without notice. View offer details.

*By enrolling to become a Blue Rewards member, you agree to be bound by the terms and conditions of the Blue Rewards Program as amended from time to time. Visit bluerewards.ca/terms for details.

Blue Rewards and the Blue Rewards logo are trademarks of Bank of Montreal, used under license by BMO Blue Rewards, Inc. Partner, supplier and retailer trademarks are owned by the respective partner, supplier and retailer or authorized for their use in Canada. To collect Blue Points you must be a Canadian resident.

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