Hairballs are messy. Coverage isn’t.
Pet Insurance that covers 90% of eligible vet bills for new injuries and illnesses, for life1.
Get a quote90% Coverage. No Payout Limits. One Simple Plan.
As a pet parent, you know that injuries and illnesses are a part of life. A broken bone, a sudden illness, or an unexpected diagnosis can lead to thousands of dollars in vet bills, often when you least expect it.
We believe financial decisions should never stand between you and your pet’s health. That’s why BMO Pet Insurance, in partnership with Trupanion, offers simple, comprehensive coverage, so you can focus on what truly matters—your pet.
Simple. Trusted. Covered.
Get started in four easy steps
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.
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.
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.
Direct-to-Vet Payments
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 LocatorGood Reads
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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.
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Why Pet Insurance Matters | BMO Pet Insurance
Discover how pet insurance can help protect your cat or dog from unexpected veterinary costs. Learn why coverage from BMO Pet Insurance gives pet owners confidence and financial security.
Read moreReady 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?
Choose the option that works best for you
Pet insurance available in Ontario now. Coming soon to other provinces.
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.
1 Coverage 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.
2 Certain 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.