[{"data":1,"prerenderedAt":2850},["ShallowReactive",2],{"{\"language\":\"en\",\"resolve_links\":\"url\",\"version\":\"published\"}site-config":3,"{\"language\":\"en\",\"resolve_links\":\"url\",\"resolve_relations\":[\"customer-stories-section.customer_testimonial\",\"featured-blog-posts-section.featured_posts\",\"featured-cards-section.featured_cards\"],\"version\":\"published\"}products\u002Fpet":413,"featured-articles-en":1666},{"data":4,"headers":390},{"story":5,"cv":378,"rels":379,"links":380},{"name":6,"created_at":7,"published_at":8,"updated_at":9,"id":10,"uuid":11,"content":12,"slug":14,"full_slug":14,"sort_by_date":196,"position":372,"tag_list":373,"is_startpage":30,"parent_id":196,"meta_data":196,"group_id":374,"first_published_at":375,"release_id":196,"lang":376,"path":196,"alternates":377,"default_full_slug":196,"translated_slugs":196},"Site Config","2025-10-12T15:57:01.734Z","2026-06-11T13:10:14.569Z","2026-06-11T13:10:14.588Z",100741209176761,"5d1cb959-aead-40b5-a660-6b666838f87d",{"_uid":13,"component":14,"site_name":15,"header_nav":16,"footer_logo":121,"header_logo":126,"twitter_url":130,"youtube_url":131,"facebook_url":132,"linkedin_url":133,"instagram_url":134,"support_email":135,"support_hours":136,"copyright_text":137,"footer_nav_one":138,"footer_nav_two":160,"mailing_address":172,"complaints_email":173,"footer_nav_three":174,"footer_disclaimer":190,"footer_legal_links":287,"support_phone_number":311,"footer_disclaimer_pet":312,"footer_nav_one_heading":37,"footer_nav_two_heading":62,"support_phone_airmiles":335,"complaints_phone_number":336,"footer_nav_three_heading":87,"support_website_airmiles":337,"support_email_pet_insurance":338,"support_phone_pet_insurance":339,"complaint_handling_process_pdf":340,"support_email_health_insurance":344,"support_phone_health_insurance":339,"footer_disclaimer_health_dental":345},"36610985-334b-4b7e-a24e-108041ed2fa5","site-config","Bank of Montreal Insurance",[17,32,39,49,59,64,74,84,89,100,110],{"_uid":18,"icon":19,"link":20,"label":26,"component":29,"has_children":30,"parent_label":19,"analytics_name":31},"c2abe4bd-610b-45d7-a52c-d65055907eaf","",{"id":21,"url":19,"linktype":22,"fieldtype":23,"cached_url":24,"story":25},"fd4031c1-9584-4903-9e5a-a4e6a2f96d2b","story","multilink","home",{"name":26,"id":27,"uuid":21,"slug":24,"url":24,"full_slug":24,"_stopResolving":28},"Home",100736653642370,true,"nav-item",false,"global:nav:home",{"_uid":33,"icon":19,"link":34,"label":37,"component":29,"has_children":28,"analytics_name":38},"12379835-b92b-4027-89b8-60f753303524",{"id":19,"url":35,"linktype":36,"fieldtype":23,"cached_url":35},"#","url","Products","global:nav:products",{"_uid":40,"icon":19,"link":41,"type":19,"label":45,"component":29,"parent_label":37,"analytics_name":48},"7191b0ec-c2f9-4738-b8c7-278edf97ec48",{"id":42,"url":19,"linktype":22,"fieldtype":23,"cached_url":43,"story":44},"ea4ceca5-10be-401f-ad63-16b00cdd9a9a","products\u002Fpet",{"name":45,"id":46,"uuid":42,"slug":47,"url":43,"full_slug":43,"_stopResolving":28},"Pet Insurance",101242022280945,"pet","nav:pet-insurance",{"_uid":50,"icon":19,"link":51,"type":19,"label":55,"component":29,"parent_label":37,"analytics_name":58},"fc49be64-47ff-4d5b-b8a0-ed095a9d7a09",{"id":52,"url":19,"linktype":22,"fieldtype":23,"cached_url":53,"story":54},"88d84da0-dd3f-4316-a790-729815639dda","products\u002Fhealth-dental",{"name":55,"id":56,"uuid":52,"slug":57,"url":53,"full_slug":53,"_stopResolving":28},"Health & Dental Insurance",175795708200100,"health-dental","nav:health-dental-insurance",{"_uid":60,"icon":19,"link":61,"type":19,"label":62,"component":29,"has_children":28,"parent_label":19,"analytics_name":63},"b9064d19-9deb-4b24-8ce7-b84e49733ec9",{"id":19,"url":35,"linktype":36,"fieldtype":23,"cached_url":35},"About Us","global:nav:about-us",{"_uid":65,"icon":19,"link":66,"type":19,"label":72,"component":29,"has_children":30,"parent_label":62,"analytics_name":73},"f744c6a7-9825-467d-b8bb-5bee4d678f64",{"id":67,"url":19,"linktype":22,"fieldtype":23,"cached_url":68,"story":69},"ecbdfad0-96fc-47e9-83f1-9f56d6795f33","about\u002F",{"name":62,"id":70,"uuid":67,"slug":71,"url":68,"full_slug":68,"_stopResolving":28},101246049719559,"about","The Store","nav:about",{"_uid":75,"icon":19,"link":76,"type":19,"label":80,"component":29,"has_children":30,"parent_label":62,"analytics_name":83},"4f4076dd-d3d2-464d-94b9-4aeb339781eb",{"id":77,"url":19,"linktype":22,"fieldtype":23,"cached_url":78,"story":79},"e9594b70-c69e-4807-9dd5-75b1be6705d6","about\u002Fwhy-us",{"name":80,"id":81,"uuid":77,"slug":82,"url":78,"full_slug":78,"_stopResolving":28},"Why Us",101246396692833,"why-us","nav:why-us",{"_uid":85,"icon":19,"link":86,"type":19,"label":87,"component":29,"has_children":28,"parent_label":19,"analytics_name":88},"4615b341-01e6-459e-b8db-8b63342bca53",{"id":19,"url":35,"linktype":36,"fieldtype":23,"cached_url":35},"Support","global:nav:support",{"_uid":90,"icon":19,"link":91,"type":19,"label":98,"component":29,"has_children":30,"parent_label":87,"analytics_name":99},"6ee398e8-9ad5-4499-8e80-243a8586abe7",{"id":92,"url":19,"linktype":22,"fieldtype":23,"cached_url":93,"story":94},"56763fb9-b8da-4a3b-907b-946b0bce3607","support\u002Ffaqs",{"name":95,"id":96,"uuid":92,"slug":97,"url":93,"full_slug":93,"_stopResolving":28},"Frequently Asked Questions",101242843016949,"faqs","FAQs","nav:faq",{"_uid":101,"icon":19,"link":102,"type":19,"label":106,"component":29,"has_children":30,"parent_label":87,"analytics_name":109},"7c9616d9-27da-427a-8114-26b487ca9213",{"id":103,"url":19,"linktype":22,"fieldtype":23,"cached_url":104,"story":105},"4cc86ae0-28d0-46ac-b93b-ff3858f344f2","support\u002Fcontact-us",{"name":106,"id":107,"uuid":103,"slug":108,"url":104,"full_slug":104,"_stopResolving":28},"Contact Us",101245370969158,"contact-us","nav:contact-us",{"_uid":111,"icon":19,"link":112,"type":19,"label":119,"component":29,"has_children":30,"parent_label":87,"analytics_name":120},"1f0f87f0-0e00-44ad-a3b8-041e29d289c9",{"id":113,"url":19,"linktype":22,"fieldtype":23,"cached_url":114,"story":115},"d7934e03-602f-4396-958f-03d192f1308a","articles\u002F",{"name":116,"id":117,"uuid":113,"slug":118,"url":114,"full_slug":114,"_stopResolving":28},"Landing",101273074641826,"articles","Articles","nav:articles",{"id":122,"alt":19,"name":19,"focus":19,"title":19,"source":19,"filename":123,"copyright":19,"fieldtype":124,"meta_data":125,"is_external_url":30},102972677708363,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F287771017545828\u002F537x91\u002Feb24c5eed8\u002Fbmoi-logo-white.svg","asset",{},{"id":127,"alt":19,"name":19,"focus":19,"title":19,"source":19,"filename":128,"copyright":19,"fieldtype":124,"meta_data":129,"is_external_url":30},100934324193519,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F287771017545828\u002F537x91\u002F144e7853c0\u002Fbmoi-logo.svg",{},{"id":19,"url":19,"linktype":22,"fieldtype":23,"cached_url":19},{"id":19,"url":19,"linktype":22,"fieldtype":23,"cached_url":19},{"id":19,"url":19,"linktype":22,"fieldtype":23,"cached_url":19},{"id":19,"url":19,"linktype":22,"fieldtype":23,"cached_url":19},{"id":19,"url":19,"linktype":22,"fieldtype":23,"cached_url":19},"bmoisolutions@bmo.com","Monday to Friday. 9:00 AM to 5:00 PM (EST)","Bank of Montreal. All rights reserved.",[139,145,150],{"_uid":140,"icon":19,"link":141,"type":19,"label":55,"component":29,"parent_label":143,"analytics_name":144},"93e02376-961d-49a4-a34d-e8aef1b705fc",{"id":52,"url":19,"linktype":22,"fieldtype":23,"cached_url":53,"story":142},{"name":55,"id":56,"uuid":52,"slug":57,"url":53,"full_slug":53,"_stopResolving":28},"Insurance","footer:product:health-dental",{"_uid":146,"icon":19,"link":147,"type":19,"label":45,"component":29,"parent_label":143,"analytics_name":149},"0e1de043-e6c4-46d5-86da-d0305983a23f",{"id":42,"url":19,"linktype":22,"fieldtype":23,"cached_url":43,"story":148},{"name":45,"id":46,"uuid":42,"slug":47,"url":43,"full_slug":43,"_stopResolving":28},"footer:product:pet",{"_uid":151,"icon":19,"link":152,"type":19,"label":156,"component":29,"has_children":30,"parent_label":19,"analytics_name":159},"fe22369c-880e-453e-9d4e-0f6dbbada10f",{"id":153,"url":19,"linktype":22,"fieldtype":23,"cached_url":154,"story":155},"e672fd90-fdbf-4dc8-8835-4d3741605188","products\u002Fpet-insurance-the-fine-print",{"name":156,"id":157,"uuid":153,"slug":158,"url":154,"full_slug":154,"_stopResolving":28},"Pet Insurance - The Fine Print",104036084921357,"pet-insurance-the-fine-print","footer:product:pet-terms",[161,167],{"_uid":162,"icon":19,"link":163,"type":19,"label":72,"component":29,"has_children":30,"parent_label":165,"analytics_name":166},"a07089bb-c385-4541-b1c8-5a4f84a84635",{"id":67,"url":19,"linktype":22,"fieldtype":23,"cached_url":68,"story":164},{"name":62,"id":70,"uuid":67,"slug":71,"url":68,"full_slug":68,"_stopResolving":28},"About us","footer:about:us",{"_uid":168,"icon":19,"link":169,"type":19,"label":80,"component":29,"has_children":30,"parent_label":62,"analytics_name":171},"b3647c6e-3552-4eca-bf4a-38e79e3c3f65",{"id":77,"url":19,"linktype":22,"fieldtype":23,"cached_url":78,"story":170},{"name":80,"id":81,"uuid":77,"slug":82,"url":78,"full_slug":78,"_stopResolving":28},"footer:about:why-us","250 Yonge St. Toronto, ON M5B 2L7","complaints.bmois@bmo.com",[175,180,185],{"_uid":176,"icon":19,"link":177,"type":19,"label":98,"component":29,"has_children":30,"parent_label":87,"analytics_name":179},"cbeb1f7b-98ef-4ec2-858a-703678f467ca",{"id":92,"url":19,"linktype":22,"fieldtype":23,"cached_url":93,"story":178},{"name":95,"id":96,"uuid":92,"slug":97,"url":93,"full_slug":93,"_stopResolving":28},"footer:support:faqs",{"_uid":181,"icon":19,"link":182,"type":19,"label":106,"component":29,"has_children":30,"parent_label":87,"analytics_name":184},"d1d2115c-aa8e-4622-8c98-382f538c7c9c",{"id":103,"url":19,"linktype":22,"fieldtype":23,"cached_url":104,"story":183},{"name":106,"id":107,"uuid":103,"slug":108,"url":104,"full_slug":104,"_stopResolving":28},"footer:support:contact",{"_uid":186,"icon":19,"link":187,"type":19,"label":119,"component":29,"has_children":30,"parent_label":87,"analytics_name":189},"08e5807d-c9bc-45f8-ba72-e69f0450826f",{"id":113,"url":19,"linktype":22,"fieldtype":23,"cached_url":114,"story":188},{"name":116,"id":117,"uuid":113,"slug":118,"url":114,"full_slug":114,"_stopResolving":28},"footer:articles",{"type":191,"content":192},"doc",[193,217,226,234,266],{"type":194,"attrs":195,"content":197},"paragraph",{"textAlign":196},null,[198,205,212],{"text":199,"type":200,"marks":201},"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","text",[202],{"type":203,"attrs":204},"textStyle",{"color":19},{"text":206,"type":200,"marks":207}," BMO Insurance Solutions Inc.",[208,210],{"type":203,"attrs":209},{"color":19},{"type":211},"bold",{"text":213,"type":200,"marks":214}," (BMOIS).",[215],{"type":203,"attrs":216},{"color":19},{"type":194,"attrs":218,"content":219},{"textAlign":196},[220],{"text":221,"type":200,"marks":222},"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.",[223],{"type":203,"attrs":224},{"color":225},"#252525",{"type":194,"attrs":227,"content":228},{"textAlign":196},[229],{"text":230,"type":200,"marks":231},"Products distributed by BMOIS cannot be purchased in BMO (Bank of Montreal) branches or BMO Virtual Connect.",[232],{"type":203,"attrs":233},{"color":19},{"type":194,"attrs":235,"content":236},{"textAlign":196},[237,242,248,261],{"text":238,"type":200,"marks":239},"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.",[240],{"type":203,"attrs":241},{"color":19},{"text":243,"type":200,"marks":244}," For more information on our compensation practices, please see our detailed ",[245],{"type":203,"attrs":246},{"color":247},"#000000",{"text":249,"type":200,"marks":250},"disclosure document",[251,256,259],{"type":252,"attrs":253},"link",{"href":254,"uuid":196,"anchor":196,"target":255,"linktype":36},"https:\u002F\u002Fwww.datocms-assets.com\u002F66146\u002F1760713450-bmois_broker-disclosure_english.pdf","_self",{"type":203,"attrs":257},{"color":258},"#4C94D8",{"type":260},"underline",{"text":262,"type":200,"marks":263},".",[264],{"type":203,"attrs":265},{"color":247},{"type":194,"attrs":267,"content":268},{"textAlign":196},[269,274,283],{"text":270,"type":200,"marks":271},"To learn more about how BMOIS collects, uses, discloses, and safeguards your Personal Information, your choices, and the rights you have, please see our ",[272],{"type":203,"attrs":273},{"color":247},{"text":275,"type":200,"marks":276},"privacy code",[277,280,282],{"type":252,"attrs":278},{"href":279,"uuid":196,"anchor":196,"target":196,"linktype":36},"https:\u002F\u002Fwww.bmo.com\u002Fmain\u002Fabout-bmo\u002Fprivacy-security\u002Four-privacy-code\u002F",{"type":203,"attrs":281},{"color":258},{"type":260},{"text":262,"type":200,"marks":284},[285],{"type":203,"attrs":286},{"color":247},{"type":191,"content":288},[289],{"type":194,"attrs":290,"content":291},{"textAlign":196},[292,297,299,304,305],{"text":293,"type":200,"marks":294},"Privacy Policy",[295],{"type":252,"attrs":296},{"href":279,"uuid":196,"anchor":196,"target":255,"linktype":36},{"text":298,"type":200},"  |  ",{"text":300,"type":200,"marks":301},"Brokerage Disclosure",[302],{"type":252,"attrs":303},{"href":254,"uuid":196,"anchor":196,"target":255,"linktype":36},{"text":298,"type":200},{"text":106,"type":200,"marks":306},[307],{"type":252,"attrs":308},{"href":309,"uuid":103,"anchor":196,"target":255,"linktype":22,"story":310},"\u002Fsupport\u002Fcontact-us",{"name":106,"id":107,"uuid":103,"slug":108,"url":104,"full_slug":104,"_stopResolving":28},"1 833 991-6670",{"type":191,"content":313},[314],{"type":194,"attrs":315,"content":316},{"textAlign":196},[317,321,323,327,329,333],{"text":318,"type":200,"marks":319},"BMO Pet Insurance ",[320],{"type":211},{"text":322,"type":200},"in partnership with",{"text":324,"type":200,"marks":325}," ",[326],{"type":211},{"text":328,"type":200},"Trupanion is distributed by BMO Insurance Solutions Inc. (BMOIS) and\u002For Canada Pet Health Insurance Services, Inc. (CPHIS) doing business as Trupanion. Trupanion policies are underwritten by ",{"text":330,"type":200,"marks":331},"GPIC Insurance Company",[332],{"type":211},{"text":334,"type":200},". CPHIS is a registered damage insurance agency and claims adjuster in Quebec #603927. For more information, call 1 888-343-0108.","1 888 247-6453","1 833 842-4458","https:\u002F\u002Fwww.bluerewards.ca\u002Fen\u002Fsupport-centre.html","customercare@trupanion.com","1 888 343-0108",{"id":341,"alt":19,"name":19,"focus":19,"title":19,"source":19,"filename":342,"copyright":19,"fieldtype":124,"meta_data":343,"is_external_url":30},166289134053602,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F287771017545828\u002Fx\u002F702fd5a573\u002Fbmois_complaint-handling-process_english.pdf",{"alt":19,"title":19,"source":19,"copyright":19},"customercare@greenshield.com",{"type":191,"content":346},[347],{"type":194,"attrs":348,"content":349},{"textAlign":196},[350,356,361,367],{"text":351,"type":200,"marks":352},"BMO Health & Dental Insurance",[353,355],{"type":203,"attrs":354},{"color":247},{"type":211},{"text":357,"type":200,"marks":358}," is distributed by BMO Insurance Solutions Inc. (BMOIS) and underwritten by ",[359],{"type":203,"attrs":360},{"color":247},{"text":362,"type":200,"marks":363},"Green Shield Canada Insurance",[364,366],{"type":203,"attrs":365},{"color":247},{"type":211},{"text":368,"type":200,"marks":369},". For more information, call 1 844-701-3201.",[370],{"type":203,"attrs":371},{"color":247},0,[],"bdfcf827-4a32-471b-b7bf-b849431a1a81","2025-10-14T02:08:59.705Z","default",[],1781194701,[],[381,382,383,384,385,386,387,388,389],{"name":106,"id":107,"uuid":103,"slug":108,"url":104,"full_slug":104},{"name":95,"id":96,"uuid":92,"slug":97,"url":93,"full_slug":93},{"name":55,"id":56,"uuid":52,"slug":57,"url":53,"full_slug":53},{"name":116,"id":117,"uuid":113,"slug":118,"url":114,"full_slug":114},{"name":156,"id":157,"uuid":153,"slug":158,"url":154,"full_slug":154},{"name":80,"id":81,"uuid":77,"slug":82,"url":78,"full_slug":78},{"name":45,"id":46,"uuid":42,"slug":47,"url":43,"full_slug":43},{"name":62,"id":70,"uuid":67,"slug":71,"url":68,"full_slug":68},{"name":26,"id":27,"uuid":21,"slug":24,"url":24,"full_slug":24},{"age":391,"cache-control":392,"connection":393,"content-encoding":394,"content-type":395,"date":396,"etag":397,"referrer-policy":398,"sb-be-version":399,"server":400,"transfer-encoding":401,"vary":402,"via":403,"x-amz-cf-id":404,"x-amz-cf-pop":405,"x-cache":406,"x-content-type-options":407,"x-frame-options":408,"x-permitted-cross-domain-policies":409,"x-request-id":410,"x-runtime":411,"x-xss-protection":412},"99428","max-age=0, public, s-maxage=604800, stale-if-error=3600","keep-alive","gzip","application\u002Fjson; charset=utf-8","Thu, 11 Jun 2026 16:25:10 GMT","W\u002F\"2186bcc94ee42f0429af8a39c9d63664\"","strict-origin-when-cross-origin","5.895.1","nginx\u002F1.29.1","chunked","Origin,Accept-Encoding","1.1 e66bc72ce3c158d40bfc4fb21c4eaa06.cloudfront.net (CloudFront)","iNQC9eaXJSNKdHaj8qHgmtMfL523DsUmSOETU_o3dDHXDxSgnnf2bQ==","IAD55-P6","Hit from cloudfront","nosniff","SAMEORIGIN","none","9f85a79d-7dbd-4fba-b040-adad124d69f1","0.032434","0",{"data":414,"headers":1659},{"story":415,"cv":378,"rels":1462,"links":1655},{"name":45,"created_at":416,"published_at":417,"updated_at":418,"id":46,"uuid":42,"content":419,"slug":47,"full_slug":43,"sort_by_date":196,"position":1336,"tag_list":1457,"is_startpage":30,"parent_id":1458,"meta_data":196,"group_id":1459,"first_published_at":1460,"release_id":196,"lang":376,"path":196,"alternates":1461,"default_full_slug":196,"translated_slugs":196},"2025-10-14T01:54:50.589Z","2026-06-11T16:17:43.801Z","2026-06-11T16:17:43.829Z",{"_uid":420,"body":421,"component":1455,"meta_title":45,"meta_description":19,"analytics_page_name":1456},"753cedef-d0bf-4680-991a-59519e26c3ae",[422,439,1042,1072,1343,1349,1385],{"_uid":423,"component":424,"section_items":425},"322690aa-0390-4473-9d4b-d8ddded2c95a","hero-section",[426],{"_uid":427,"type":19,"title":428,"cta_link":429,"component":431,"cta_label":432,"badge_text":19,"is_feature":28,"description":433,"background_image":434,"background_color_hex":438},"b080f9e3-1e3e-4729-a8fb-f6924468940a","Hairballs are messy. Coverage isn’t.",{"id":19,"url":430,"linktype":36,"fieldtype":23,"cached_url":430},"https:\u002F\u002Fbmoinsurance.com\u002Fbuy\u002Fproducts\u002Fpet\u002Fentry","hero-section-item","Get a quote","Pet Insurance that covers up to 90% of eligible vet bills for new injuries and illnesses, for life\u003Csup>1\u003C\u002Fsup>.",{"id":435,"alt":19,"name":19,"focus":19,"title":19,"source":19,"filename":436,"copyright":19,"fieldtype":124,"meta_data":437,"is_external_url":30},155998279077935,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F287771017545828\u002F1250x640\u002F1fa002c2ef\u002Fhero-1250x640_momo.png",{},"0178c2",{"_uid":440,"tab_list":441,"component":1041},"4811a0a9-79eb-41ab-85b9-6b14140ad831",[442,505,635,684,820],{"_uid":443,"icon":19,"type":19,"image":444,"title":450,"cta_link":451,"component":452,"cta_label":432,"tab_label":453,"tab_content":454,"analytics_tab_name":504},"3bb94c7b-782f-469d-ac8f-0d0b515542be",{"id":445,"alt":19,"name":19,"focus":446,"title":19,"source":19,"filename":447,"copyright":19,"fieldtype":124,"meta_data":448,"is_external_url":30},180796307434062,"507x291:508x292","https:\u002F\u002Fa.storyblok.com\u002Ff\u002F287771017545828\u002F981x648\u002F99c98d6951\u002Fhero-image_2_mobile_65.png",{"size":449},"890x648","Up to 90% Coverage. No Payout Limits. One Simple Plan.",{"id":19,"url":430,"linktype":36,"fieldtype":23,"cached_url":430},"tab-item","Overview",{"type":191,"content":455},[456,464],{"type":194,"attrs":457,"content":458},{"textAlign":196},[459],{"text":460,"type":200,"marks":461},"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.",[462],{"type":203,"attrs":463},{"color":247},{"type":194,"attrs":465,"content":466},{"textAlign":196},[467,472,478,483,489,494,499],{"text":468,"type":200,"marks":469},"We believe financial decisions should never stand between you and your pet’s health. That’s why ",[470],{"type":203,"attrs":471},{"color":247},{"text":473,"type":200,"marks":474},"BMO Pet Insurance",[475,477],{"type":203,"attrs":476},{"color":247},{"type":211},{"text":479,"type":200,"marks":480},", in partnership with ",[481],{"type":203,"attrs":482},{"color":247},{"text":484,"type":200,"marks":485},"Trupanion",[486,488],{"type":203,"attrs":487},{"color":247},{"type":211},{"text":490,"type":200,"marks":491},", offers simple, comprehensive coverage, so you can focus on what truly matters",[492],{"type":203,"attrs":493},{"color":247},{"text":495,"type":200,"marks":496},"—",[497],{"type":203,"attrs":498},{"color":19},{"text":500,"type":200,"marks":501},"your pet.",[502],{"type":203,"attrs":503},{"color":247},"pet:tab:one",{"_uid":506,"icon":19,"type":19,"image":507,"title":512,"cta_link":513,"component":452,"cta_label":432,"tab_label":514,"tab_content":515,"analytics_tab_name":634},"ccef104a-c30c-41b0-a6f5-3658ee6df239",{"id":508,"alt":19,"name":19,"focus":509,"title":19,"source":19,"filename":510,"copyright":19,"fieldtype":124,"meta_data":511,"is_external_url":30},186386894607160,"1163x779:1164x780","https:\u002F\u002Fa.storyblok.com\u002Ff\u002F287771017545828\u002F1920x1080\u002F0df6099b1c\u002Fbmopets5.png",{"alt":19,"title":19,"source":19,"copyright":19},"Policies without the claws.",{"id":19,"url":430,"linktype":36,"fieldtype":23,"cached_url":430},"The Plan",{"type":191,"content":516},[517],{"type":518,"content":519},"bullet_list",[520,548,575,602,618],{"type":521,"content":522},"list_item",[523],{"type":194,"attrs":524,"content":525},{"textAlign":196},[526,532,538,543],{"text":527,"type":200,"marks":528},"Up to 90% Coverage, for Life",[529,531],{"type":203,"attrs":530},{"color":247},{"type":211},{"text":533,"type":200,"marks":534},"1",[535,536],{"type":211},{"type":537},"superscript",{"text":262,"type":200,"marks":539},[540,542],{"type":203,"attrs":541},{"color":247},{"type":211},{"text":544,"type":200,"marks":545}," Choose up to 90% coverage on eligible vet costs for all new injuries and illnesses, with no annual or per-condition payout limits. We're in this for the long run, just like you are with your pet.",[546],{"type":203,"attrs":547},{"color":247},{"type":521,"content":549},[550],{"type":194,"attrs":551,"content":552},{"textAlign":196},[553,559,565,570],{"text":554,"type":200,"marks":555},"Deductible per Condition, for Life",[556,558],{"type":203,"attrs":557},{"color":247},{"type":211},{"text":533,"type":200,"marks":560},[561,563,564],{"type":203,"attrs":562},{"color":19},{"type":211},{"type":537},{"text":262,"type":200,"marks":566},[567,569],{"type":203,"attrs":568},{"color":247},{"type":211},{"text":571,"type":200,"marks":572}," You only pay the deductible once for each new illness or injury. If the same condition requires treatment again and you’ve met your deductible, you don't have to pay the deductible a second time. ",[573],{"type":203,"attrs":574},{"color":247},{"type":521,"content":576},[577],{"type":194,"attrs":578,"content":579},{"textAlign":196},[580,586,591,597],{"text":581,"type":200,"marks":582},"Claims Faster than a Zoomie. ",[583,585],{"type":203,"attrs":584},{"color":247},{"type":211},{"text":587,"type":200,"marks":588},"We know that when your pet is sick, time is of the essence. With VetDirect Pay",[589],{"type":203,"attrs":590},{"color":247},{"text":592,"type":200,"marks":593},"TM",[594,596],{"type":203,"attrs":595},{"color":19},{"type":537},{"text":598,"type":200,"marks":599},", most claims are processed within 5 minutes. ",[600],{"type":203,"attrs":601},{"color":247},{"type":521,"content":603},[604],{"type":194,"attrs":605,"content":606},{"textAlign":196},[607,613],{"text":608,"type":200,"marks":609},"No Rate Increases for Claims. ",[610,612],{"type":203,"attrs":611},{"color":247},{"type":211},{"text":614,"type":200,"marks":615},"Your premium will never increase just because you use your policy. We believe you should be rewarded for being a responsible pet owner, not penalized for it.",[616],{"type":203,"attrs":617},{"color":247},{"type":521,"content":619},[620],{"type":194,"attrs":621,"content":622},{"textAlign":196},[623,629],{"text":624,"type":200,"marks":625},"Dedicated 24\u002F7 Support.",[626,628],{"type":203,"attrs":627},{"color":247},{"type":211},{"text":630,"type":200,"marks":631}," Once enrolled, a team of passionate pet experts are available 24\u002F7, 365 days a year. Whether it’s a late-night question or you need assistance with a claim, help is just a call away.",[632],{"type":203,"attrs":633},{"color":247},"pet:tab:two",{"_uid":636,"icon":19,"type":19,"image":637,"title":641,"cta_link":642,"component":452,"cta_label":432,"tab_label":643,"tab_content":644,"analytics_tab_name":683},"88f41e79-c319-4957-b0ee-2f2ca00da1ef",{"id":638,"alt":19,"name":19,"focus":19,"title":19,"source":19,"filename":639,"copyright":19,"fieldtype":124,"meta_data":640,"is_external_url":30},186386894537525,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F287771017545828\u002F1920x1080\u002F7b187ac849\u002Fbmopets2.png",{},"Who can join the pack?",{"id":19,"url":430,"linktype":36,"fieldtype":23,"cached_url":430},"Eligibility",{"type":191,"content":645},[646,675],{"type":194,"attrs":647,"content":648},{"textAlign":196},[649,654,660,665,671],{"text":650,"type":200,"marks":651},"There’s just ",[652],{"type":203,"attrs":653},{"color":247},{"text":655,"type":200,"marks":656},"one rule",[657,659],{"type":203,"attrs":658},{"color":247},{"type":211},{"text":661,"type":200,"marks":662},". You can sign up your cat or dog anytime",[663],{"type":203,"attrs":664},{"color":247},{"text":666,"type":200,"marks":667}," before their 14th birthday",[668,670],{"type":203,"attrs":669},{"color":247},{"type":211},{"text":262,"type":200,"marks":672},[673],{"type":203,"attrs":674},{"color":247},{"type":194,"attrs":676,"content":677},{"textAlign":196},[678],{"text":679,"type":200,"marks":680},"That’s it! They’re good to go.",[681],{"type":203,"attrs":682},{"color":247},"pet:tab:three",{"_uid":685,"icon":19,"type":19,"image":686,"title":690,"cta_link":691,"component":452,"cta_label":693,"tab_label":694,"tab_content":695,"analytics_tab_name":819},"2bade3a3-4dd0-4c50-a5c8-e4532243c53b",{"id":687,"alt":19,"name":19,"focus":19,"title":19,"source":19,"filename":688,"copyright":19,"fieldtype":124,"meta_data":689,"is_external_url":30},186376823263673,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F287771017545828\u002F1920x1080\u002F56b92e064e\u002Fbmopet1.png",{},"We don’t roll over on the details.",{"id":153,"url":19,"linktype":22,"fieldtype":23,"cached_url":154,"story":692},{"name":156,"id":157,"uuid":153,"slug":158,"url":154,"full_slug":154,"_stopResolving":28},"View details","What's Covered?",{"type":191,"content":696},[697,705,817],{"type":194,"attrs":698,"content":699},{"textAlign":196},[700],{"text":701,"type":200,"marks":702},"Unlike other plans that may have confusing levels or annual limits, we keep it simple. Your pet is covered for up to 90% of eligible vet bills, including:",[703],{"type":203,"attrs":704},{"color":247},{"type":518,"content":706},[707,723,739,755,777],{"type":521,"content":708},[709],{"type":194,"attrs":710,"content":711},{"textAlign":196},[712,718],{"text":713,"type":200,"marks":714},"Hereditary & Congenital Conditions.",[715,717],{"type":203,"attrs":716},{"color":247},{"type":211},{"text":719,"type":200,"marks":720}," Conditions your pet's breed may be prone to, like hip dysplasia and certain heart conditions.",[721],{"type":203,"attrs":722},{"color":247},{"type":521,"content":724},[725],{"type":194,"attrs":726,"content":727},{"textAlign":196},[728,734],{"text":729,"type":200,"marks":730},"Injuries & Illnesses.",[731,733],{"type":203,"attrs":732},{"color":247},{"type":211},{"text":735,"type":200,"marks":736}," Everything from broken bones to vomiting, allergies, and cancer.",[737],{"type":203,"attrs":738},{"color":247},{"type":521,"content":740},[741],{"type":194,"attrs":742,"content":743},{"textAlign":196},[744,750],{"text":745,"type":200,"marks":746},"Diagnostic Tools.",[747,749],{"type":203,"attrs":748},{"color":247},{"type":211},{"text":751,"type":200,"marks":752}," X-rays, ultrasounds, CT scans, and lab work.",[753],{"type":203,"attrs":754},{"color":247},{"type":521,"content":756},[757],{"type":194,"attrs":758,"content":759},{"textAlign":196},[760,766,771],{"text":761,"type":200,"marks":762},"Therapies & Treatments. ",[763,765],{"type":203,"attrs":764},{"color":247},{"type":211},{"text":767,"type":200,"marks":768},"Surgery, hospital stays, medication, physical therapy, and more.",[769],{"type":203,"attrs":770},{"color":247},{"text":772,"type":200,"marks":773},"2",[774,776],{"type":203,"attrs":775},{"color":247},{"type":537},{"type":521,"content":778},[779,793,795,803],{"type":194,"attrs":780,"content":781},{"textAlign":196},[782,788],{"text":783,"type":200,"marks":784},"Advanced Procedures.",[785,787],{"type":203,"attrs":786},{"color":247},{"type":211},{"text":789,"type":200,"marks":790}," Includes prosthetic devices, carts, and advanced dental care.",[791],{"type":203,"attrs":792},{"color":247},{"type":194,"attrs":794},{"textAlign":196},{"type":194,"attrs":796,"content":797},{"textAlign":196},[798],{"text":799,"type":200,"marks":800},"Limitations and exclusions apply. ",[801],{"type":203,"attrs":802},{"color":247},{"type":194,"attrs":804,"content":805},{"textAlign":196},[806],{"text":807,"type":200,"marks":808},"Sample policy",[809,814,816],{"type":252,"attrs":810},{"href":811,"uuid":196,"anchor":196,"custom":812,"target":255,"linktype":36},"https:\u002F\u002Fwww.datocms-assets.com\u002F66146\u002F1760721172-sample_v11-201902_trupanion_policy_can_english.pdf",{"title":813},"ins:store:pet:tab:four:sample policy",{"type":203,"attrs":815},{"color":258},{"type":211},{"type":194,"attrs":818},{"textAlign":196},"pet:tab:four",{"_uid":821,"icon":19,"type":19,"image":822,"title":826,"cta_link":827,"component":452,"cta_label":432,"tab_label":828,"tab_content":829,"analytics_tab_name":1040},"86547014-31b8-4aea-9d34-61012351f409",{"id":823,"alt":19,"name":19,"focus":19,"title":19,"source":19,"filename":824,"copyright":19,"fieldtype":124,"meta_data":825,"is_external_url":30},186386894541622,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F287771017545828\u002F1920x1080\u002Fba1251da58\u002Fbmopets3.png",{},"Because they deserve the whole package.",{"id":19,"url":430,"linktype":36,"fieldtype":23,"cached_url":430},"Extra Protection",{"type":191,"content":830},[831,840,848,857,971,980,988,996],{"type":194,"attrs":832,"content":833},{"textAlign":196},[834],{"text":835,"type":200,"marks":836},"Recovery and Complementary Care",[837,839],{"type":203,"attrs":838},{"color":247},{"type":211},{"type":194,"attrs":841,"content":842},{"textAlign":196},[843],{"text":844,"type":200,"marks":845},"This add-on helps cover treatments that support your pet’s healing and overall well-being, especially after an injury or illness.",[846],{"type":203,"attrs":847},{"color":247},{"type":194,"attrs":849,"content":850},{"textAlign":196},[851],{"text":852,"type":200,"marks":853},"What’s included:",[854,856],{"type":203,"attrs":855},{"color":247},{"type":211},{"type":518,"content":858},[859,875,891,907,923,939,955],{"type":521,"content":860},[861],{"type":194,"attrs":862,"content":863},{"textAlign":196},[864,870],{"text":865,"type":200,"marks":866},"Rehabilitative therapy.",[867,869],{"type":203,"attrs":868},{"color":247},{"type":211},{"text":871,"type":200,"marks":872}," Helps pets regain strength and mobility.",[873],{"type":203,"attrs":874},{"color":247},{"type":521,"content":876},[877],{"type":194,"attrs":878,"content":879},{"textAlign":196},[880,886],{"text":881,"type":200,"marks":882},"Acupuncture.",[883,885],{"type":203,"attrs":884},{"color":247},{"type":211},{"text":887,"type":200,"marks":888}," Can relieve pain and improve recovery.",[889],{"type":203,"attrs":890},{"color":247},{"type":521,"content":892},[893],{"type":194,"attrs":894,"content":895},{"textAlign":196},[896,902],{"text":897,"type":200,"marks":898},"Hydrotherapy. ",[899,901],{"type":203,"attrs":900},{"color":247},{"type":211},{"text":903,"type":200,"marks":904},"Water-based therapy for joint and muscle support.",[905],{"type":203,"attrs":906},{"color":247},{"type":521,"content":908},[909],{"type":194,"attrs":910,"content":911},{"textAlign":196},[912,918],{"text":913,"type":200,"marks":914},"Chiropractic care. ",[915,917],{"type":203,"attrs":916},{"color":247},{"type":211},{"text":919,"type":200,"marks":920},"Adjustments to improve movement and comfort.",[921],{"type":203,"attrs":922},{"color":247},{"type":521,"content":924},[925],{"type":194,"attrs":926,"content":927},{"textAlign":196},[928,934],{"text":929,"type":200,"marks":930},"Behavioral modification and therapy.",[931,933],{"type":203,"attrs":932},{"color":247},{"type":211},{"text":935,"type":200,"marks":936}," Treatment of underlying medical and physical causes of anxiety, aggression, or other behavioral issues.",[937],{"type":203,"attrs":938},{"color":247},{"type":521,"content":940},[941],{"type":194,"attrs":942,"content":943},{"textAlign":196},[944,950],{"text":945,"type":200,"marks":946},"Homeopathy.",[947,949],{"type":203,"attrs":948},{"color":247},{"type":211},{"text":951,"type":200,"marks":952}," Natural remedies for various conditions.",[953],{"type":203,"attrs":954},{"color":247},{"type":521,"content":956},[957],{"type":194,"attrs":958,"content":959},{"textAlign":196},[960,966],{"text":961,"type":200,"marks":962},"Naturopathy.",[963,965],{"type":203,"attrs":964},{"color":247},{"type":211},{"text":967,"type":200,"marks":968}," Holistic care using natural treatments.",[969],{"type":203,"attrs":970},{"color":247},{"type":194,"attrs":972,"content":973},{"textAlign":196},[974],{"text":975,"type":200,"marks":976},"Breeding",[977,979],{"type":203,"attrs":978},{"color":247},{"type":211},{"type":194,"attrs":981,"content":982},{"textAlign":196},[983],{"text":984,"type":200,"marks":985},"This add-on is for pet owners who plan to breed their female pets and want coverage for related health issues.",[986],{"type":203,"attrs":987},{"color":247},{"type":194,"attrs":989,"content":990},{"textAlign":196},[991],{"text":852,"type":200,"marks":992},[993,995],{"type":203,"attrs":994},{"color":247},{"type":211},{"type":518,"content":997},[998,1008],{"type":521,"content":999},[1000],{"type":194,"attrs":1001,"content":1002},{"textAlign":196},[1003],{"text":1004,"type":200,"marks":1005},"Illnesses and injuries related to breeding.",[1006],{"type":203,"attrs":1007},{"color":247},{"type":521,"content":1009},[1010],{"type":194,"attrs":1011,"content":1012},{"textAlign":196},[1013,1018,1024,1029,1035],{"text":1014,"type":200,"marks":1015},"Coverage for ",[1016],{"type":203,"attrs":1017},{"color":247},{"text":1019,"type":200,"marks":1020},"whelping",[1021,1023],{"type":203,"attrs":1022},{"color":247},{"type":211},{"text":1025,"type":200,"marks":1026}," (dogs) and ",[1027],{"type":203,"attrs":1028},{"color":247},{"text":1030,"type":200,"marks":1031},"queening",[1032,1034],{"type":203,"attrs":1033},{"color":247},{"type":211},{"text":1036,"type":200,"marks":1037}," (cats). Includes complications during birth or postpartum care.",[1038],{"type":203,"attrs":1039},{"color":247},"pet:tab:five","tabs-section",{"_uid":1043,"title":1044,"component":1045,"description":1046,"featured_cards":1047},"38633aab-a293-4baa-8336-c6951b2c5cf4","Simple. Trusted. Covered.","featured-cards-section","Get started in four easy steps",[1048,1054,1059,1064],{"_uid":1049,"icon":19,"type":19,"title":1050,"subtext":19,"cta_link":1051,"component":1052,"cta_label":19,"description":1053},"6aa4add4-89e1-49b5-9f86-474f8bbf1e98","Get a Quote",{"id":19,"url":19,"linktype":22,"fieldtype":23,"cached_url":19},"featured-card-item","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.",{"_uid":1055,"icon":19,"type":19,"title":1056,"subtext":19,"cta_link":1057,"component":1052,"cta_label":19,"description":1058},"c85b13e1-70ec-4462-b8b1-26ff887c6667","Get Covered",{"id":19,"url":19,"linktype":22,"fieldtype":23,"cached_url":19},"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.",{"_uid":1060,"icon":19,"type":19,"title":1061,"subtext":19,"cta_link":1062,"component":1052,"cta_label":19,"description":1063},"c414267d-076b-448e-a536-fd612b66f95a","Go to the Vet",{"id":19,"url":19,"linktype":22,"fieldtype":23,"cached_url":19},"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.",{"_uid":1065,"icon":19,"type":19,"title":1066,"subtext":19,"cta_link":1067,"component":1052,"cta_label":1069,"description":1070,"analytics_cta_name":1071},"bc419ce2-fe1e-4758-87f4-41ca24baf84e","Direct-to-Vet Payments",{"id":19,"url":1068,"linktype":36,"fieldtype":23,"cached_url":1068},"https:\u002F\u002Fwww.trupanion.com\u002Fen-ca\u002Fpet-insurance\u002Fveterinarians-map","VetDirect Pay Locator","This is a game-changer. Instead of waiting for a reimbursement payment, your veterinarian is paid directly at checkout in seconds. Participating clinics only.","vet pay locator",{"_uid":1073,"title":1074,"component":1075,"description":1076,"view_all_link":1077,"featured_posts":1079,"view_all_label":1342},"9c9bcdc8-3f99-4c3f-8d70-cac524f3eb45","Good Reads","featured-blog-posts-section","Insights, tips and guides for you and your furry sidekick, because wellness isn’t just a solo journey—it’s a shared adventure.",{"id":113,"url":19,"linktype":22,"fieldtype":23,"cached_url":114,"story":1078},{"name":116,"id":117,"uuid":113,"slug":118,"url":114,"full_slug":114,"_stopResolving":28},[1080],{"name":1081,"created_at":1082,"published_at":1083,"updated_at":1084,"id":1085,"uuid":1086,"content":1087,"slug":1334,"full_slug":1335,"sort_by_date":196,"position":1336,"tag_list":1337,"is_startpage":30,"parent_id":1338,"meta_data":196,"group_id":1339,"first_published_at":1340,"release_id":196,"lang":376,"path":196,"alternates":1341,"default_full_slug":196,"translated_slugs":196,"_stopResolving":28},"Why Pet Insurance Matters","2025-10-17T03:09:05.359Z","2025-12-11T17:44:15.352Z","2025-12-11T17:44:15.373Z",102321952219501,"04846a4d-902b-4f47-9e4c-83291790b388",{"_uid":1088,"title":1081,"author":19,"snippet":1089,"category":19,"component":1090,"meta_title":1091,"post_image":1092,"posted_date":1096,"post_content":1097,"related_posts":1331,"meta_description":1332,"analytics_page_name":1333},"6eae63d3-126f-4f70-9043-78242f0b3c1b","Keeping your pet happy and healthy doesn't just require preventative care, like trimming their nails, brushing their teeth, and taking them for annual exams. Sometimes, your pet's well-being also depends on getting treatment for an emergency injury or unexpected illness. ","blog-post","Why Pet Insurance Matters | BMO Insurance Solutions",{"id":1093,"alt":19,"name":19,"focus":19,"title":19,"source":19,"filename":1094,"copyright":19,"fieldtype":124,"meta_data":1095,"is_external_url":30},104082528122848,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F287771017545828\u002F2250x1500\u002Fbf9d73afd0\u002Fhappy-girl-dog-cat_2x.webp",{},"2025-10-20 00:00",{"type":191,"content":1098},[1099,1104,1109,1116,1121,1134,1141,1146,1151,1156,1179,1184,1191,1196,1201,1208,1213,1218,1225,1230,1244,1249,1256,1277,1284,1300,1315],{"type":194,"attrs":1100,"content":1101},{"textAlign":196},[1102],{"text":1103,"type":200},"Keeping your pet happy and healthy doesn't just require preventative care, like trimming their nails, brushing their teeth, and taking them for annual exams. Sometimes, your pet's well-being also depends on getting treatment for an emergency injury or unexpected illness. Affording these types of often-expensive treatments can be difficult, which is why pet insurance matters.",{"type":194,"attrs":1105,"content":1106},{"textAlign":196},[1107],{"text":1108,"type":200},"A pet insurance policy for your dog or cat kicks in for covered costs, helping pet parents pay for necessary veterinary care and improve the health outcomes of their furry companions. Whether you already have a policy or are considering one, learn more about why pet insurance is one of the best ways to protect your pet. ",{"type":194,"attrs":1110,"content":1111},{"textAlign":196},[1112],{"text":1113,"type":200,"marks":1114},"Rising Veterinary Costs and Financial Strain",[1115],{"type":211},{"type":194,"attrs":1117,"content":1118},{"textAlign":196},[1119],{"text":1120,"type":200},"Pet insurance helps pet parents keep up with evolving costs of veterinary care. While not opting into pet insurance and instead paying for unexpected care out of pocket is an option, it might not make the most financial sense. ",{"type":194,"attrs":1122,"content":1123},{"textAlign":196},[1124,1126,1132],{"text":1125,"type":200},"For example, there is an alternative to pet health insurance: a pet savings account. This is an option for pet parents who would rather set aside money for emergencies instead of relying on an insurance provider. While a pet savings account can be a good option for some households, it might not be the most cost-effective, as owners still have to pay out of pocket for all of their pet’s medical expenses. Plus, savings plans might not be able to keep up with rising prices, considering that ",{"text":1127,"type":200,"marks":1128},"veterinary costs have risen more than 6%",[1129],{"type":252,"attrs":1130},{"href":1131,"uuid":196,"anchor":196,"custom":196,"target":196,"linktype":36},"https:\u002F\u002Fwww.bls.gov\u002Fnews.release\u002Fcpi.t02.htm",{"text":1133,"type":200}," in the last year alone. Pet insurance helps to cover these costs, minimizing the impact of inflation on tight budgets. ",{"type":194,"attrs":1135,"content":1136},{"textAlign":196},[1137],{"text":1138,"type":200,"marks":1139},"Removing Cost as a Barrier to Care",[1140],{"type":211},{"type":194,"attrs":1142,"content":1143},{"textAlign":196},[1144],{"text":1145,"type":200},"Routine care for your pet is usually a manageable cost, as preventative care is considered an \"expected\" cost, but remember that your cute companion can get into mischief or even develop a disease at some point in their life. No pet parent wants to think about these types of unexpected situations, but sometimes life happens. The best thing to do is be prepared. ",{"type":194,"attrs":1147,"content":1148},{"textAlign":196},[1149],{"text":1150,"type":200},"When considering pet insurance, ask yourself this question: If your pet were to require an emergency procedure or expensive medications, is that something you’d need help with affording?",{"type":194,"attrs":1152,"content":1153},{"textAlign":196},[1154],{"text":1155,"type":200},"Here are some examples of approximate out-of-pocket costs for certain issues:",{"type":518,"content":1157},[1158,1165,1172],{"type":521,"content":1159},[1160],{"type":194,"attrs":1161,"content":1162},{"textAlign":196},[1163],{"text":1164,"type":200},"Surgery for ingestion of a foreign body: $4,100",{"type":521,"content":1166},[1167],{"type":194,"attrs":1168,"content":1169},{"textAlign":196},[1170],{"text":1171,"type":200},"MRI and medication for seizures: $2,700",{"type":521,"content":1173},[1174],{"type":194,"attrs":1175,"content":1176},{"textAlign":196},[1177],{"text":1178,"type":200},"Surgery and pain medications for patellar luxation: $5,500",{"type":194,"attrs":1180,"content":1181},{"textAlign":196},[1182],{"text":1183,"type":200},"Paying for these treatments on your own dime can get quite expensive, but pet insurance helps to cover eligible costs. So, let's say that your dog ingests something that needs professional removal by the vet, which costs $3,000. If your pet insurance policy covers it at 90%, that means you're only paying $300 out of pocket. Paying for 10% of pet treatment isn't nothing, but it is likely much more manageable than paying full price.",{"type":194,"attrs":1185,"content":1186},{"textAlign":196},[1187],{"text":1188,"type":200,"marks":1189},"Supporting Emergency and Unexpected Treatments",[1190],{"type":211},{"type":194,"attrs":1192,"content":1193},{"textAlign":196},[1194],{"text":1195,"type":200},"Paying out of pocket for a pet’s long-term illness or an unexpected accident can quickly become a financial burden. Relying on pet insurance can keep stressful money matters at bay, helping you focus on budgeting for routine care instead of emergencies.",{"type":194,"attrs":1197,"content":1198},{"textAlign":196},[1199],{"text":1200,"type":200},"Dog and cat insurance helps to cover the costs of eligible procedures, medications, and more, not only assisting your finances but also ensuring that your pet receives the care necessary to restore their health, reduce their pain, or get them mobile again. ",{"type":194,"attrs":1202,"content":1203},{"textAlign":196},[1204],{"text":1205,"type":200,"marks":1206},"The Lifetime Value of Pet Insurance",[1207],{"type":211},{"type":194,"attrs":1209,"content":1210},{"textAlign":196},[1211],{"text":1212,"type":200},"Just as with other types of insurance, the total savings of a pet insurance policy often outweigh the upfront costs. Just consider that, over the lifetime of your pet, total treatment costs for various conditions and issues can range from a couple hundred dollars to over $10,000. And if you have more than one pet, your total costs can soar even higher.",{"type":194,"attrs":1214,"content":1215},{"textAlign":196},[1216],{"text":1217,"type":200},"While paying pet insurance premiums and deductibles might seem daunting, especially if your dog or cat is currently healthy, remember that you’re investing in your pet’s future health and well-being and ensuring that you can maximize your time with your favorite four-legged companion. And not only that, but you’ll be also saving money in the long run. ",{"type":194,"attrs":1219,"content":1220},{"textAlign":196},[1221],{"text":1222,"type":200,"marks":1223},"How Pet Insurance Helps Veterinarians",[1224],{"type":211},{"type":194,"attrs":1226,"content":1227},{"textAlign":196},[1228],{"text":1229,"type":200},"Veterinarians are in the business of helping pets be their healthiest selves. They help pet parents stay on vaccination schedules, perform annual physical exams of pets, and take care of animals when they get sick or hurt. ",{"type":194,"attrs":1231,"content":1232},{"textAlign":196},[1233,1235,1242],{"text":1234,"type":200},"When vets assess an emergency situation or diagnose your pet with a medical condition, they typically provide a recommendation for treatment, including next steps, long-term care, and cost. According to ",{"text":1236,"type":200,"marks":1237},"one study",[1238],{"type":252,"attrs":1239},{"href":1240,"uuid":196,"anchor":196,"custom":1241,"target":255,"linktype":36},"https:\u002F\u002Fpmc.ncbi.nlm.nih.gov\u002Farticles\u002FPMC9264770\u002F",{"title":1236},{"text":1243,"type":200},", ethical conflicts can arise when a professional recommendation doesn't align with a customer's financial capabilities. Vets are responsible for pets' welfare, but they also must abide by pet parents' decisions of whether to proceed with certain treatments. Meeting both needs can be difficult. And that's where pet insurance can help immensely. ",{"type":194,"attrs":1245,"content":1246},{"textAlign":196},[1247],{"text":1248,"type":200},"Pet parents with dog or cat insurance may be more likely to move forward with recommended treatments, even if they're more expensive, because they can rely on their policy for financial help. This alleviates stress or conflict for veterinarians who just want the gold-standard treatment for the pets in their care.",{"type":194,"attrs":1250,"content":1251},{"textAlign":196},[1252],{"text":1253,"type":200,"marks":1254},"Making Decisions with Confidence",[1255],{"type":211},{"type":194,"attrs":1257,"content":1258},{"textAlign":196},[1259,1261,1268,1270,1275],{"text":1260,"type":200},"Even though ",{"text":1262,"type":200,"marks":1263},"92% of pet owners",[1264],{"type":252,"attrs":1265},{"href":1266,"uuid":196,"anchor":196,"custom":1267,"target":255,"linktype":36},"https:\u002F\u002Fwww.experian.com\u002Fblogs\u002Fask-experian\u002Fpet-insurance-survey\u002F",{"title":1262},{"text":1269,"type":200}," believe that pet insurance is worth the money, getting a policy is still a significant decision. After all, both your pet’s health ",{"text":1271,"type":200,"marks":1272},"and",[1273],{"type":1274},"italic",{"text":1276,"type":200}," your finances are top priorities—you shouldn’t have to choose between one or the other. That's where pet insurance can help.",{"type":194,"attrs":1278,"content":1279},{"textAlign":196},[1280],{"text":1281,"type":200,"marks":1282},"Sources:",[1283],{"type":211},{"type":194,"attrs":1285,"content":1286},{"textAlign":196},[1287,1290,1298],{"text":533,"type":200,"marks":1288},[1289],{"type":537},{"text":1291,"type":200,"marks":1292},"Actual Claims & Vet Cost Examples",[1293],{"type":252,"attrs":1294},{"href":1295,"uuid":196,"anchor":196,"custom":1296,"target":255,"linktype":36},"https:\u002F\u002Fwww.trupanion.com\u002Fpet-insurance-faq\u002Farticle\u002Fclaims-and-vet-cost-examples",{"title":1297},"actual claims & vet cost examples",{"text":1299,"type":200},". Trupanion Pet Insurance",{"type":194,"attrs":1301,"content":1302},{"textAlign":196},[1303,1306,1313],{"text":772,"type":200,"marks":1304},[1305],{"type":537},{"text":1307,"type":200,"marks":1308},"Survey: Most Pet Owners Who Have Pet Insurance Say It’s Worth the Cost.",[1309],{"type":252,"attrs":1310},{"href":1266,"uuid":196,"anchor":196,"custom":1311,"target":255,"linktype":36},{"title":1312},"survey most pet owners who have pet insurance say its worth the cost",{"text":1314,"type":200}," Experian",{"type":194,"attrs":1316,"content":1317},{"textAlign":196},[1318,1322,1329],{"text":1319,"type":200,"marks":1320},"3",[1321],{"type":537},{"text":1323,"type":200,"marks":1324},"Pet Insurance: A Review of Coverage, Costs, and Consumer Behavior National Center for Biotechnology Information (NCBI).",[1325],{"type":252,"attrs":1326},{"href":1240,"uuid":196,"anchor":196,"custom":1327,"target":255,"linktype":36},{"title":1328},"pet insurance a review of coverage costs and consumer behavior national center for biotechnology information ncbi",{"text":1330,"type":200}," PubMed Central",[],"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.","articles:why pet insurance matters","why-pet-insurance-matters","articles\u002Fwhy-pet-insurance-matters",10,[],101272989932449,"beffc01d-1e2a-4430-bcf5-0fa38d059cf0","2025-10-19T16:02:26.910Z",[],"View all articles",{"_uid":1344,"title":1345,"subtext":19,"cta_link":1346,"component":1347,"cta_label":432,"description":1348},"374379af-962d-4999-8bf5-2b871efe652b","Ready to Protect Your Pet?",{"id":19,"url":430,"linktype":36,"fieldtype":23,"cached_url":430},"cta-section","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.",{"_uid":1350,"title":1351,"component":1045,"description":1352,"featured_cards":1353},"01b84dad-f849-4000-9a07-fceda19d461b","Still Have Questions?","Choose the option that works best for you",[1354,1363,1374],{"_uid":1355,"icon":1356,"type":19,"title":1357,"subtext":136,"cta_link":1358,"component":1052,"cta_label":311,"is_feature":30,"description":1360,"background_image":1361,"analytics_cta_name":19},"c2e69f8a-04b4-4837-95d9-ce84a052ad4a","phone","Call Us",{"id":19,"url":1359,"linktype":36,"fieldtype":23,"cached_url":1359},"tel:1833-991-6670","Speak with our team",{"id":196,"alt":196,"name":19,"focus":196,"title":196,"source":196,"filename":19,"copyright":196,"fieldtype":124,"meta_data":1362},{},{"_uid":1364,"icon":1365,"type":19,"title":1366,"subtext":19,"cta_link":1367,"component":1052,"cta_label":1369,"is_feature":30,"description":1370,"background_image":1371,"analytics_cta_name":1373},"1b811db2-e72d-4d91-a1af-5241669ce868","envelope","Email Us",{"id":19,"url":1368,"linktype":36,"fieldtype":23,"cached_url":1368},"mailto:bmoisolutions@bmo.com","Send","Send us a detailed message",{"id":196,"alt":196,"name":19,"focus":196,"title":196,"source":196,"filename":19,"copyright":196,"fieldtype":124,"meta_data":1372},{},"pet:email",{"_uid":1375,"icon":1376,"type":19,"title":1377,"subtext":19,"cta_link":1378,"component":1052,"cta_label":1380,"is_feature":30,"description":1381,"background_image":1382,"analytics_cta_name":1384},"392c9132-d530-4fd8-bd02-b73e39204305","comment","Request a Callback",{"id":103,"url":19,"linktype":22,"fieldtype":23,"cached_url":104,"story":1379},{"name":106,"id":107,"uuid":103,"slug":108,"url":104,"full_slug":104,"_stopResolving":28},"Get started","Want us to call you instead?",{"id":196,"alt":196,"name":19,"focus":196,"title":196,"source":196,"filename":19,"copyright":196,"fieldtype":124,"meta_data":1383},{},"pet:request a call",{"_uid":1386,"image":1387,"component":1389,"section_content":1390},"4f5c340e-e2ad-41b2-9868-dae672125346",{"id":196,"alt":196,"name":19,"focus":196,"title":196,"source":196,"filename":19,"copyright":196,"fieldtype":124,"meta_data":1388},{},"rich-text-image-section",{"type":191,"content":1391},[1392,1406,1415,1428,1441],{"type":194,"attrs":1393,"content":1394},{"textAlign":196},[1395,1402],{"text":1396,"type":200,"marks":1397},"Pet insurance available in ",[1398,1400],{"type":203,"attrs":1399},{"color":19},{"type":1401},"subscript",{"text":1403,"type":200,"marks":1404},"select provinces and territories. ",[1405],{"type":1401},{"type":194,"attrs":1407,"content":1408},{"textAlign":196},[1409],{"text":1410,"type":200,"marks":1411},"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.",[1412,1414],{"type":203,"attrs":1413},{"color":19},{"type":1401},{"type":194,"attrs":1416,"content":1417},{"textAlign":196},[1418,1422],{"text":1419,"type":200,"marks":1420},"1 ",[1421],{"type":537},{"text":1423,"type":200,"marks":1424},"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.",[1425,1427],{"type":203,"attrs":1426},{"color":19},{"type":1401},{"type":194,"attrs":1429,"content":1430},{"textAlign":196},[1431,1435],{"text":1432,"type":200,"marks":1433},"2 ",[1434],{"type":537},{"text":1436,"type":200,"marks":1437},"Certain coverage or treatments may require the purchase of additional riders. See policy for full details.",[1438,1440],{"type":203,"attrs":1439},{"color":19},{"type":1401},{"type":194,"attrs":1442,"content":1443},{"textAlign":196},[1444,1450,1451],{"text":1445,"type":200,"marks":1446},"Certain names, graphics, logos, icons, designs, words, titles or phrases on this website including the Trupanion name, logo and VetDirect Pay",[1447,1449],{"type":203,"attrs":1448},{"color":19},{"type":1401},{"text":592,"type":200},{"text":1452,"type":200,"marks":1453}," are trademarks or tradenames owned by Trupanion, Inc. and used under license.",[1454],{"type":1401},"page","product:pet",[],101241922612976,"67c7422c-b399-4938-bf7c-febcadd18ae3","2025-10-14T01:55:29.501Z",[],[1463],{"name":1081,"created_at":1082,"published_at":1083,"updated_at":1084,"id":1085,"uuid":1086,"content":1464,"slug":1334,"full_slug":1335,"sort_by_date":196,"position":1336,"tag_list":1653,"is_startpage":30,"parent_id":1338,"meta_data":196,"group_id":1339,"first_published_at":1340,"release_id":196,"lang":376,"path":196,"alternates":1654,"default_full_slug":196,"translated_slugs":196},{"_uid":1088,"title":1081,"author":19,"snippet":1089,"category":19,"component":1090,"meta_title":1091,"post_image":1465,"posted_date":1096,"post_content":1467,"related_posts":1652,"meta_description":1332,"analytics_page_name":1333},{"id":1093,"alt":19,"name":19,"focus":19,"title":19,"source":19,"filename":1094,"copyright":19,"fieldtype":124,"meta_data":1466,"is_external_url":30},{},{"type":191,"content":1468},[1469,1473,1477,1483,1487,1496,1502,1506,1510,1514,1534,1538,1544,1548,1552,1558,1562,1566,1572,1576,1586,1590,1596,1610,1616,1628,1640],{"type":194,"attrs":1470,"content":1471},{"textAlign":196},[1472],{"text":1103,"type":200},{"type":194,"attrs":1474,"content":1475},{"textAlign":196},[1476],{"text":1108,"type":200},{"type":194,"attrs":1478,"content":1479},{"textAlign":196},[1480],{"text":1113,"type":200,"marks":1481},[1482],{"type":211},{"type":194,"attrs":1484,"content":1485},{"textAlign":196},[1486],{"text":1120,"type":200},{"type":194,"attrs":1488,"content":1489},{"textAlign":196},[1490,1491,1495],{"text":1125,"type":200},{"text":1127,"type":200,"marks":1492},[1493],{"type":252,"attrs":1494},{"href":1131,"uuid":196,"anchor":196,"custom":196,"target":196,"linktype":36},{"text":1133,"type":200},{"type":194,"attrs":1497,"content":1498},{"textAlign":196},[1499],{"text":1138,"type":200,"marks":1500},[1501],{"type":211},{"type":194,"attrs":1503,"content":1504},{"textAlign":196},[1505],{"text":1145,"type":200},{"type":194,"attrs":1507,"content":1508},{"textAlign":196},[1509],{"text":1150,"type":200},{"type":194,"attrs":1511,"content":1512},{"textAlign":196},[1513],{"text":1155,"type":200},{"type":518,"content":1515},[1516,1522,1528],{"type":521,"content":1517},[1518],{"type":194,"attrs":1519,"content":1520},{"textAlign":196},[1521],{"text":1164,"type":200},{"type":521,"content":1523},[1524],{"type":194,"attrs":1525,"content":1526},{"textAlign":196},[1527],{"text":1171,"type":200},{"type":521,"content":1529},[1530],{"type":194,"attrs":1531,"content":1532},{"textAlign":196},[1533],{"text":1178,"type":200},{"type":194,"attrs":1535,"content":1536},{"textAlign":196},[1537],{"text":1183,"type":200},{"type":194,"attrs":1539,"content":1540},{"textAlign":196},[1541],{"text":1188,"type":200,"marks":1542},[1543],{"type":211},{"type":194,"attrs":1545,"content":1546},{"textAlign":196},[1547],{"text":1195,"type":200},{"type":194,"attrs":1549,"content":1550},{"textAlign":196},[1551],{"text":1200,"type":200},{"type":194,"attrs":1553,"content":1554},{"textAlign":196},[1555],{"text":1205,"type":200,"marks":1556},[1557],{"type":211},{"type":194,"attrs":1559,"content":1560},{"textAlign":196},[1561],{"text":1212,"type":200},{"type":194,"attrs":1563,"content":1564},{"textAlign":196},[1565],{"text":1217,"type":200},{"type":194,"attrs":1567,"content":1568},{"textAlign":196},[1569],{"text":1222,"type":200,"marks":1570},[1571],{"type":211},{"type":194,"attrs":1573,"content":1574},{"textAlign":196},[1575],{"text":1229,"type":200},{"type":194,"attrs":1577,"content":1578},{"textAlign":196},[1579,1580,1585],{"text":1234,"type":200},{"text":1236,"type":200,"marks":1581},[1582],{"type":252,"attrs":1583},{"href":1240,"uuid":196,"anchor":196,"custom":1584,"target":255,"linktype":36},{"title":1236},{"text":1243,"type":200},{"type":194,"attrs":1587,"content":1588},{"textAlign":196},[1589],{"text":1248,"type":200},{"type":194,"attrs":1591,"content":1592},{"textAlign":196},[1593],{"text":1253,"type":200,"marks":1594},[1595],{"type":211},{"type":194,"attrs":1597,"content":1598},{"textAlign":196},[1599,1600,1605,1606,1609],{"text":1260,"type":200},{"text":1262,"type":200,"marks":1601},[1602],{"type":252,"attrs":1603},{"href":1266,"uuid":196,"anchor":196,"custom":1604,"target":255,"linktype":36},{"title":1262},{"text":1269,"type":200},{"text":1271,"type":200,"marks":1607},[1608],{"type":1274},{"text":1276,"type":200},{"type":194,"attrs":1611,"content":1612},{"textAlign":196},[1613],{"text":1281,"type":200,"marks":1614},[1615],{"type":211},{"type":194,"attrs":1617,"content":1618},{"textAlign":196},[1619,1622,1627],{"text":533,"type":200,"marks":1620},[1621],{"type":537},{"text":1291,"type":200,"marks":1623},[1624],{"type":252,"attrs":1625},{"href":1295,"uuid":196,"anchor":196,"custom":1626,"target":255,"linktype":36},{"title":1297},{"text":1299,"type":200},{"type":194,"attrs":1629,"content":1630},{"textAlign":196},[1631,1634,1639],{"text":772,"type":200,"marks":1632},[1633],{"type":537},{"text":1307,"type":200,"marks":1635},[1636],{"type":252,"attrs":1637},{"href":1266,"uuid":196,"anchor":196,"custom":1638,"target":255,"linktype":36},{"title":1312},{"text":1314,"type":200},{"type":194,"attrs":1641,"content":1642},{"textAlign":196},[1643,1646,1651],{"text":1319,"type":200,"marks":1644},[1645],{"type":537},{"text":1323,"type":200,"marks":1647},[1648],{"type":252,"attrs":1649},{"href":1240,"uuid":196,"anchor":196,"custom":1650,"target":255,"linktype":36},{"title":1328},{"text":1330,"type":200},[],[],[],[1656,1657,1658],{"name":106,"id":107,"uuid":103,"slug":108,"url":104,"full_slug":104},{"name":116,"id":117,"uuid":113,"slug":118,"url":114,"full_slug":114},{"name":156,"id":157,"uuid":153,"slug":158,"url":154,"full_slug":154},{"age":1660,"cache-control":392,"connection":393,"content-encoding":394,"content-type":395,"date":396,"etag":1661,"referrer-policy":398,"sb-be-version":399,"server":400,"transfer-encoding":401,"vary":402,"via":1662,"x-amz-cf-id":1663,"x-amz-cf-pop":405,"x-cache":406,"x-content-type-options":407,"x-frame-options":408,"x-permitted-cross-domain-policies":409,"x-request-id":1664,"x-runtime":1665,"x-xss-protection":412},"99429","W\u002F\"007f184d5602eec95d0569b0003a7bac\"","1.1 1f0befe1f0c7d5efec2c028b0e0af7ea.cloudfront.net (CloudFront)","esT1IoedLXLh-GpXr6Cg9HiMyeUru6Zk_iWe5l_9a-9reYzpWAPv9Q==","102d4f22-352b-43c4-8214-ac708419403e","0.068371",[1667,2088,2590],{"name":1668,"created_at":1669,"published_at":1670,"updated_at":1671,"id":1672,"uuid":1673,"content":1674,"slug":2081,"full_slug":2082,"sort_by_date":196,"position":2083,"tag_list":2084,"is_startpage":30,"parent_id":1338,"meta_data":196,"group_id":2085,"first_published_at":2086,"release_id":196,"lang":376,"path":196,"alternates":2087,"default_full_slug":196,"translated_slugs":196},"Preventive Health Tips for Dogs and Cats That Can Save Money","2025-10-22T02:28:20.701Z","2025-12-10T17:36:28.620Z","2025-12-10T17:36:28.647Z",104081410915092,"d665235a-9d3e-4c27-95f2-e37399330e58",{"_uid":1675,"title":1668,"author":19,"snippet":1676,"category":19,"component":1090,"meta_title":1677,"post_image":1678,"posted_date":1682,"post_content":1683,"related_posts":2078,"meta_description":2079,"analytics_page_name":2080},"23d916f5-7727-4ba6-ba00-ab065c00ab09","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? ","Essential Preventative Care Tips for Cats & Dogs | BMO Insurance Solutions",{"id":1679,"alt":19,"name":19,"focus":19,"title":19,"source":19,"filename":1680,"copyright":19,"fieldtype":124,"meta_data":1681,"is_external_url":30},104073233930140,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F287771017545828\u002F2556x1761\u002Fb8e999a55f\u002Fhappy-brown-dog_3x.webp",{},"2025-10-21 00:00",{"type":191,"content":1684},[1685,1690,1695,1702,1707,1712,1719,1724,1729,1736,1741,1841,1848,1853,1940,1947,1952,1970,1976,1989,2002,2015,2028,2040,2053,2065],{"type":194,"attrs":1686,"content":1687},{"textAlign":196},[1688],{"text":1689,"type":200},"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? ",{"type":194,"attrs":1691,"content":1692},{"textAlign":196},[1693],{"text":1694,"type":200},"Preventative pet care is a term for a multipronged approach to maintaining your dog or cat's overall health and wellness in the hopes of minimizing future medical issues. Learn more about what this means for your pet and how to use this approach at home—not only to save money in the long run but also to keep your furry pal by your side for as long as possible.",{"type":194,"attrs":1696,"content":1697},{"textAlign":196},[1698],{"text":1699,"type":200,"marks":1700},"Why Preventive Care Matters for Pets",[1701],{"type":211},{"type":194,"attrs":1703,"content":1704},{"textAlign":196},[1705],{"text":1706,"type":200},"Think of preventative care for pets like your own preventative care. Taking care of your body means flossing and brushing daily to prevent cavities and dental issues, maintaining proper hygiene to prevent infections, getting annual checkups to catch issues before they become major problems, and more. You do this to maintain your health and wellness. The same preventative care approach should be applied to your pet, too. ",{"type":194,"attrs":1708,"content":1709},{"textAlign":196},[1710],{"text":1711,"type":200},"Taking routine care steps to ensure the health of your dog or cat is important to prevent disease, treat issues early, protect your budget, and keep your furry pal healthy for as long as possible.  ",{"type":194,"attrs":1713,"content":1714},{"textAlign":196},[1715],{"text":1716,"type":200,"marks":1717},"Cost-Saving Benefits of Preventive Pet Care",[1718],{"type":211},{"type":194,"attrs":1720,"content":1721},{"textAlign":196},[1722],{"text":1723,"type":200},"While the health of your pet likely takes precedence over any related costs, the truth is that pet care can be expensive—especially if larger medical issues arise. From the kibble they eat to the vaccinations they need and even their annual vet visits, the prices can add up. Dog and cat ownership costs can each reach about $1,000 per year.",{"type":194,"attrs":1725,"content":1726},{"textAlign":196},[1727],{"text":1728,"type":200},"While some expenses are unavoidable, some, like certain medical issues, can be prevented or nipped in the bud before they become large problems with ballooning costs. This is why preventative pet care is essential. You can minimize costs of future medical care—as well as potential stress and heartache—by performing routine grooming, conducting physical at-home checks, and getting them seen by a vet on a regular basis.",{"type":194,"attrs":1730,"content":1731},{"textAlign":196},[1732],{"text":1733,"type":200,"marks":1734},"Preventive Health Tips for Dogs",[1735],{"type":211},{"type":194,"attrs":1737,"content":1738},{"textAlign":196},[1739],{"text":1740,"type":200},"Incorporate these health and wellness tips into your daily, weekly, or yearly care for your dog.",{"type":518,"content":1742},[1743,1754,1765,1786,1797,1808,1819,1830],{"type":521,"content":1744},[1745],{"type":194,"attrs":1746,"content":1747},{"textAlign":196},[1748,1752],{"text":1749,"type":200,"marks":1750},"Feed them the right kibble. ",[1751],{"type":211},{"text":1753,"type":200},"Your vet should recommend the kibble that will work best for your pet's dietary needs. Follow your vet's feeding guidelines to ensure that your dog gets the nutrients they need at the right frequency throughout the day.",{"type":521,"content":1755},[1756],{"type":194,"attrs":1757,"content":1758},{"textAlign":196},[1759,1763],{"text":1760,"type":200,"marks":1761},"Stay up-to-date on vaccinations. ",[1762],{"type":211},{"text":1764,"type":200},"Even after receiving their initial core vaccinations, your pup still needs regular booster shots for diseases like canine distemper virus and rabies. Make sure that they also get non-core vaccinations if your vet recommends them.",{"type":521,"content":1766},[1767],{"type":194,"attrs":1768,"content":1769},{"textAlign":196},[1770,1774,1776,1784],{"text":1771,"type":200,"marks":1772},"Give them parasite medications.",[1773],{"type":211},{"text":1775,"type":200}," Medications for heartworm, fleas, and ticks can help your pup defend against parasites. For instance, the ",{"text":1777,"type":200,"marks":1778},"American Heartworm Association",[1779],{"type":252,"attrs":1780},{"href":1781,"uuid":196,"anchor":196,"custom":1782,"target":255,"linktype":36},"https:\u002F\u002Fwww.heartwormsociety.org\u002Fpet-owner-resources\u002Fheartworm-basics",{"title":1783},"american heartworm association",{"text":1785,"type":200}," says that puppies should be started on heartworm prevention before they turn 8 weeks old. Work with your vet to determine the right timeline and dosing frequency for parasite meds.",{"type":521,"content":1787},[1788],{"type":194,"attrs":1789,"content":1790},{"textAlign":196},[1791,1795],{"text":1792,"type":200,"marks":1793},"Clean their teeth.",[1794],{"type":211},{"text":1796,"type":200}," Brushing your dog's teeth twice a day is the best way to prevent periodontal disease. While you do this, check their gums for redness or swelling, discolored teeth, teeth with lots of buildup, and even bad breath. If you notice any of these, it's time for a professional cleaning or perhaps a vet visit.",{"type":521,"content":1798},[1799],{"type":194,"attrs":1800,"content":1801},{"textAlign":196},[1802,1806],{"text":1803,"type":200,"marks":1804},"Exercise regularly.",[1805],{"type":211},{"text":1807,"type":200}," Physical activity can help prevent obesity in dogs and keep their bones and muscles strong. Not every pup requires the same amount of exercise—it depends on age, health, and breed. Follow your vet's recommendations for how often to exercise your dog and for how long.",{"type":521,"content":1809},[1810],{"type":194,"attrs":1811,"content":1812},{"textAlign":196},[1813,1817],{"text":1814,"type":200,"marks":1815},"Groom your dog. ",[1816],{"type":211},{"text":1818,"type":200},"On a regular basis, brush your dog's coat, check for mats, clip their nails, give them a bath, and check their ears. Be sure to consult your vet for grooming tips specific to your pup, as every dog and breed may have different needs. ",{"type":521,"content":1820},[1821],{"type":194,"attrs":1822,"content":1823},{"textAlign":196},[1824,1828],{"text":1825,"type":200,"marks":1826},"Outfit them with the right gear. ",[1827],{"type":211},{"text":1829,"type":200},"Some climates require extra care for your dog, such as providing booties to protect paws from hot or cold pavement. And some breeds, like hairless dogs, require pet-safe sunscreen or clothing before going outside. ",{"type":521,"content":1831},[1832],{"type":194,"attrs":1833,"content":1834},{"textAlign":196},[1835,1839],{"text":1836,"type":200,"marks":1837},"Schedule regular vet checkups.",[1838],{"type":211},{"text":1840,"type":200}," In addition to your at-home routine, seeing the vet for annual checkups is the best way to keep your dog healthy. Your vet will screen for health issues and conduct a full head-to-tail exam, helping to catch any potential problems early.",{"type":194,"attrs":1842,"content":1843},{"textAlign":196},[1844],{"text":1845,"type":200,"marks":1846},"Preventive Health Tips for Cats",[1847],{"type":211},{"type":194,"attrs":1849,"content":1850},{"textAlign":196},[1851],{"text":1852,"type":200},"Keep your furry feline happy and healthy with these best practices for preventative care.",{"type":518,"content":1854},[1855,1866,1877,1888,1899,1909,1929],{"type":521,"content":1856},[1857],{"type":194,"attrs":1858,"content":1859},{"textAlign":196},[1860,1864],{"text":1861,"type":200,"marks":1862},"Nourish them. ",[1863],{"type":211},{"text":1865,"type":200},"Your cat needs dry and wet cat food that fulfills their unique dietary requirements, so be sure to speak with your vet about what their body needs. ",{"type":521,"content":1867},[1868],{"type":194,"attrs":1869,"content":1870},{"textAlign":196},[1871,1875],{"text":1872,"type":200,"marks":1873},"Vaccinate. ",[1874],{"type":211},{"text":1876,"type":200},"Cats typically need five core vaccines, but there are also some non-core shots your vet might recommend to boost their immunity and prevent certain infections. Follow your vet's guidelines.",{"type":521,"content":1878},[1879],{"type":194,"attrs":1880,"content":1881},{"textAlign":196},[1882,1886],{"text":1883,"type":200,"marks":1884},"Use heartworm and flea medications.",[1885],{"type":211},{"text":1887,"type":200}," Cats can get heartworm and fleas, too, which is why medications to prevent parasitic infections are crucial. ",{"type":521,"content":1889},[1890],{"type":194,"attrs":1891,"content":1892},{"textAlign":196},[1893,1897],{"text":1894,"type":200,"marks":1895},"Brush their teeth.",[1896],{"type":211},{"text":1898,"type":200}," Daily brushing is recommended but even aiming for two to three times per week should be okay. Cleaning your cat's teeth can safeguard against periodontal disease, tooth decay, and gum disease. ",{"type":521,"content":1900},[1901],{"type":194,"attrs":1902,"content":1903},{"textAlign":196},[1904,1907],{"text":1803,"type":200,"marks":1905},[1906],{"type":211},{"text":1908,"type":200}," There are several ways to exercise your cat, from training it to go on walks to building a cat gym or using remote-controlled toys. Giving your kitty opportunities to get exercise can help keep their weight within a healthy range and provide mental stimulation.",{"type":521,"content":1910},[1911],{"type":194,"attrs":1912,"content":1913},{"textAlign":196},[1914,1918,1920,1927],{"text":1915,"type":200,"marks":1916},"Give them a grooming sesh. ",[1917],{"type":211},{"text":1919,"type":200},"On a regular basis, trim their nails, check their ears (especially for cats with folded ears), and brush and inspect their coats, which can not only remove dirt and debris but also ",{"text":1921,"type":200,"marks":1922},"keep their skin healthy",[1923],{"type":252,"attrs":1924},{"href":1925,"uuid":196,"anchor":196,"custom":1926,"target":255,"linktype":36},"https:\u002F\u002Fvcahospitals.com\u002Fknow-your-pet\u002Fgrooming-and-coat-care-for-your-cat",{"title":1921},{"text":1928,"type":200}," by redistributing oils. Be sure to remove tangles and mats and pay attention to any bumps or lumps on their skin.",{"type":521,"content":1930},[1931],{"type":194,"attrs":1932,"content":1933},{"textAlign":196},[1934,1938],{"text":1935,"type":200,"marks":1936},"Visit the vet for routine care.",[1937],{"type":211},{"text":1939,"type":200}," At-home preventative care complements, but doesn't replace, vet visits. It's important to take your cat for a checkup every year so that the veterinarian can conduct a full physical exam and check for any medical issues.",{"type":194,"attrs":1941,"content":1942},{"textAlign":196},[1943],{"text":1944,"type":200,"marks":1945},"When Preventive Care Isn’t Enough (Emergencies Happen)",[1946],{"type":211},{"type":194,"attrs":1948,"content":1949},{"textAlign":196},[1950],{"text":1951,"type":200},"No pet parent wants to consider a scenario in which their pet needs emergency care—but sometimes it happens. Whether your pet got into some mischief and was hurt or they contracted a new illness, they'll likely need immediate treatment. And that's where pet insurance enters the picture. ",{"type":194,"attrs":1953,"content":1954},{"textAlign":196},[1955,1957,1964,1966],{"text":1956,"type":200},"Preventative care is important for maintaining your pet's health day in and day out, but it won't cover emergencies, as these are unexpected. Pet insurance provides this type of coverage, for things like new illnesses and injuries, to help your dog or cat get the care they need (all while helping to protect your budget from unexpected costs). Pet insurance policies, like those from ",{"text":484,"type":200,"marks":1958},[1959],{"type":252,"attrs":1960},{"href":1961,"uuid":196,"anchor":196,"custom":1962,"target":255,"linktype":36},"https:\u002F\u002Fwww.trupanion.com\u002F",{"title":1963},"trupanion",{"text":1965,"type":200},", complement preventative care, helping pet parents provide comprehensive year-round care for their beloved furry companions.",{"text":1967,"type":200,"marks":1968}," ",[1969],{"type":211},{"type":194,"attrs":1971,"content":1972},{"textAlign":196},[1973],{"text":1281,"type":200,"marks":1974},[1975],{"type":211},{"type":194,"attrs":1977,"content":1978},{"textAlign":196},[1979,1987],{"text":1980,"type":200,"marks":1981},"3 Reasons Pet Wellness Care Matters More Than You Think",[1982],{"type":252,"attrs":1983},{"href":1984,"uuid":196,"anchor":196,"custom":1985,"target":255,"linktype":36},"https:\u002Fwww.hanovervet.com\u002F3-reasons-pet-wellness-care-matters-more-than-you-think",{"title":1986},"3 reasons pet wellness care matters more than you think",{"text":1988,"type":200},". Hanover Vet",{"type":194,"attrs":1990,"content":1991},{"textAlign":196},[1992,2000],{"text":1993,"type":200,"marks":1994},"Why Routine Preventative Care Is Essential",[1995],{"type":252,"attrs":1996},{"href":1997,"uuid":196,"anchor":196,"custom":1998,"target":255,"linktype":36},"https:\u002Fwww.animalhumanesociety.org\u002Fresource\u002Fwhy-routine-preventative-care-your-pet-essential",{"title":1999},"why routine preventative care is essential",{"text":2001,"type":200},". Animal Humane Society",{"type":194,"attrs":2003,"content":2004},{"textAlign":196},[2005,2013],{"text":2006,"type":200,"marks":2007},"Money Tips for Caring Pet Owners",[2008],{"type":252,"attrs":2009},{"href":2010,"uuid":196,"anchor":196,"custom":2011,"target":255,"linktype":36},"https:\u002F\u002Fwww.avma.org\u002Fresources-tools\u002Fpet-owners\u002Fpetcare\u002Fmoney-tips-caring-pet-owners",{"title":2012},"money tips for caring pet owners",{"text":2014,"type":200},". AVMA",{"type":194,"attrs":2016,"content":2017},{"textAlign":196},[2018,2026],{"text":2019,"type":200,"marks":2020},"Tips for Preventative Pet Care",[2021],{"type":252,"attrs":2022},{"href":2023,"uuid":196,"anchor":196,"custom":2024,"target":255,"linktype":36},"https:\u002F\u002Fwww.cainhoyvet.com\u002Ftips-for-preventative-pet-care\u002F",{"title":2025},"tips for preventative pet care",{"text":2027,"type":200},". Cainhoy Vet",{"type":194,"attrs":2029,"content":2030},{"textAlign":196},[2031,2038],{"text":2032,"type":200,"marks":2033},"Heartworm Basics",[2034],{"type":252,"attrs":2035},{"href":1781,"uuid":196,"anchor":196,"custom":2036,"target":255,"linktype":36},{"title":2037},"heartworm basics",{"text":2039,"type":200},". American Heartworm Society",{"type":194,"attrs":2041,"content":2042},{"textAlign":196},[2043,2051],{"text":2044,"type":200,"marks":2045},"Brushing Teeth in Dogs",[2046],{"type":252,"attrs":2047},{"href":2048,"uuid":196,"anchor":196,"custom":2049,"target":255,"linktype":36},"https:\u002F\u002Fvcahospitals.com\u002Fknow-your-pet\u002Fbrushing-teeth-in-dogs",{"title":2050},"brushing teeth in dogs",{"text":2052,"type":200},". VCA Hospitals",{"type":194,"attrs":2054,"content":2055},{"textAlign":196},[2056,2064],{"text":2057,"type":200,"marks":2058},"Pet Dental Care",[2059],{"type":252,"attrs":2060},{"href":2061,"uuid":196,"anchor":196,"custom":2062,"target":255,"linktype":36},"https:\u002F\u002Fwww.avma.org\u002Fresources-tools\u002Fpet-owners\u002Fpetcare\u002Fpet-dental-care",{"title":2063},"pet dental care",{"text":2014,"type":200},{"type":194,"attrs":2066,"content":2067},{"textAlign":196},[2068,2076],{"text":2069,"type":200,"marks":2070},"Training Tips: Grooming at Home",[2071],{"type":252,"attrs":2072},{"href":2073,"uuid":196,"anchor":196,"custom":2074,"target":255,"linktype":36},"https:\u002F\u002Fresources.sdhumane.org\u002FResource_Center\u002FBehavior_and_Training\u002FDogs_and_Puppies\u002FTraining_Should_Be_Fun\u002FTraining_Tips%3A_Grooming_at_Home",{"title":2075},"training tips grooming at home",{"text":2077,"type":200},". San Diego Humane Society",[],"Find out what can you do to help your pet live a long, pain-free life with BMO Pet Insurance.","articles:preventive health tips for dogs and cats that can save money","preventive-health-tips-for-dogs-and-cats-that-can-save-money","articles\u002Fpreventive-health-tips-for-dogs-and-cats-that-can-save-money",-50,[],"6bc8dcc7-eb4b-4848-8ef5-c474e9f3cec9","2025-10-22T02:30:32.634Z",[],{"name":2089,"created_at":2090,"published_at":2091,"updated_at":2092,"id":2093,"uuid":2094,"content":2095,"slug":2583,"full_slug":2584,"sort_by_date":196,"position":2585,"tag_list":2586,"is_startpage":30,"parent_id":1338,"meta_data":196,"group_id":2587,"first_published_at":2588,"release_id":196,"lang":376,"path":196,"alternates":2589,"default_full_slug":196,"translated_slugs":196},"9 Common Pet Emergencies","2025-10-22T02:02:33.361Z","2025-12-10T17:39:41.779Z","2025-12-10T17:39:41.815Z",104075072998764,"e9ad804f-4a2e-415a-b985-31cf8de5df45",{"_uid":2096,"title":2089,"author":19,"snippet":2097,"category":19,"component":1090,"meta_title":2098,"post_image":2099,"posted_date":2103,"post_content":2104,"related_posts":2580,"meta_description":2581,"analytics_page_name":2582},"d528f532-f02c-45d6-b1b9-04edf347e753","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.","9 Common Pet Emergencies Every Owner Should Know | BMO Insurance Solutions",{"id":2100,"alt":19,"name":19,"focus":19,"title":19,"source":19,"filename":2101,"copyright":19,"fieldtype":124,"meta_data":2102,"is_external_url":30},104073233921946,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F287771017545828\u002F2520x1418\u002Fecab43aa09\u002Ffamily-floor-golden-retriever_2x.webp",{},"2025-10-31 00:00",{"type":191,"content":2105},[2106,2110,2115,2130,2135,2151,2164,2174,2190,2203,2208,2224,2237,2242,2258,2271,2276,2292,2305,2310,2326,2339,2344,2360,2373,2378,2394,2407,2412,2421,2430,2435,2472,2477,2483],{"type":194,"attrs":2107,"content":2108},{"textAlign":196},[2109],{"text":2097,"type":200},{"type":194,"attrs":2111,"content":2112},{"textAlign":196},[2113],{"text":2114,"type":200},"Here are 9 of the most common emergencies vets see in dogs and cats across Canada, and how pet insurance can help cover the costs.",{"type":2116,"attrs":2117,"content":2119},"heading",{"level":2118,"textAlign":196},5,[2120,2126],{"text":2121,"type":200,"marks":2122},"1. ",[2123,2125],{"type":203,"attrs":2124},{"color":19},{"type":211},{"text":2127,"type":200,"marks":2128},"Eating Something They Shouldn’t",[2129],{"type":211},{"type":194,"attrs":2131,"content":2132},{"textAlign":196},[2133],{"text":2134,"type":200},"Pets love to chew and swallow things – socks, toys, string, even rocks. These can block their stomach or intestines and often need surgery.",{"type":518,"content":2136},[2137,2144],{"type":521,"content":2138},[2139],{"type":194,"attrs":2140,"content":2141},{"textAlign":196},[2142],{"text":2143,"type":200},"Typical cost: Around $1,100",{"type":521,"content":2145},[2146],{"type":194,"attrs":2147,"content":2148},{"textAlign":196},[2149],{"text":2150,"type":200},"Some cases: Over $50,000",{"type":2116,"attrs":2152,"content":2153},{"level":2118,"textAlign":196},[2154,2160],{"text":2155,"type":200,"marks":2156},"2. ",[2157,2159],{"type":203,"attrs":2158},{"color":19},{"type":211},{"text":2161,"type":200,"marks":2162},"Poisoning",[2163],{"type":211},{"type":194,"attrs":2165,"content":2166},{"textAlign":196},[2167,2169,2173],{"text":2168,"type":200},"Chocolate, grapes, human medicine, and cleaning products can be dangerous or even deadly",{"text":2170,"type":200,"marks":2171},"4",[2172],{"type":537},{"text":262,"type":200},{"type":518,"content":2175},[2176,2183],{"type":521,"content":2177},[2178],{"type":194,"attrs":2179,"content":2180},{"textAlign":196},[2181],{"text":2182,"type":200},"Typical cost: Around $420",{"type":521,"content":2184},[2185],{"type":194,"attrs":2186,"content":2187},{"textAlign":196},[2188],{"text":2189,"type":200},"Some cases: Over $30,000",{"type":2116,"attrs":2191,"content":2192},{"level":2118,"textAlign":196},[2193,2199],{"text":2194,"type":200,"marks":2195},"3. ",[2196,2198],{"type":203,"attrs":2197},{"color":19},{"type":211},{"text":2200,"type":200,"marks":2201},"Bite Wounds",[2202],{"type":211},{"type":194,"attrs":2204,"content":2205},{"textAlign":196},[2206],{"text":2207,"type":200},"Whether it’s from another animal or a wild encounter, bites can get infected and need urgent care.",{"type":518,"content":2209},[2210,2217],{"type":521,"content":2211},[2212],{"type":194,"attrs":2213,"content":2214},{"textAlign":196},[2215],{"text":2216,"type":200},"Typical cost: $390",{"type":521,"content":2218},[2219],{"type":194,"attrs":2220,"content":2221},{"textAlign":196},[2222],{"text":2223,"type":200},"Some cases: Over $54,000",{"type":2116,"attrs":2225,"content":2226},{"level":2118,"textAlign":196},[2227,2233],{"text":2228,"type":200,"marks":2229},"4. ",[2230,2232],{"type":203,"attrs":2231},{"color":19},{"type":211},{"text":2234,"type":200,"marks":2235},"Broken Bones",[2236],{"type":211},{"type":194,"attrs":2238,"content":2239},{"textAlign":196},[2240],{"text":2241,"type":200},"Falls, car accidents, or rough play can lead to fractures that need surgery and recovery time.",{"type":518,"content":2243},[2244,2251],{"type":521,"content":2245},[2246],{"type":194,"attrs":2247,"content":2248},{"textAlign":196},[2249],{"text":2250,"type":200},"Typical cost: $640",{"type":521,"content":2252},[2253],{"type":194,"attrs":2254,"content":2255},{"textAlign":196},[2256],{"text":2257,"type":200},"Some cases: Over $33,000",{"type":2116,"attrs":2259,"content":2260},{"level":2118,"textAlign":196},[2261,2267],{"text":2262,"type":200,"marks":2263},"5. ",[2264,2266],{"type":203,"attrs":2265},{"color":19},{"type":211},{"text":2268,"type":200,"marks":2269},"Serious Injuries",[2270],{"type":211},{"type":194,"attrs":2272,"content":2273},{"textAlign":196},[2274],{"text":2275,"type":200},"Things like being hit by a car or falling from a height can cause internal injuries and need emergency treatment.",{"type":518,"content":2277},[2278,2285],{"type":521,"content":2279},[2280],{"type":194,"attrs":2281,"content":2282},{"textAlign":196},[2283],{"text":2284,"type":200},"Typical cost: $415",{"type":521,"content":2286},[2287],{"type":194,"attrs":2288,"content":2289},{"textAlign":196},[2290],{"text":2291,"type":200},"Some cases: Over $58,000",{"type":2116,"attrs":2293,"content":2294},{"level":2118,"textAlign":196},[2295,2301],{"text":2296,"type":200,"marks":2297},"6. ",[2298,2300],{"type":203,"attrs":2299},{"color":19},{"type":211},{"text":2302,"type":200,"marks":2303},"Burns",[2304],{"type":211},{"type":194,"attrs":2306,"content":2307},{"textAlign":196},[2308],{"text":2309,"type":200},"Burns from hot surfaces, fires, or chemicals are painful and need special care.",{"type":518,"content":2311},[2312,2319],{"type":521,"content":2313},[2314],{"type":194,"attrs":2315,"content":2316},{"textAlign":196},[2317],{"text":2318,"type":200},"Typical cost: $180",{"type":521,"content":2320},[2321],{"type":194,"attrs":2322,"content":2323},{"textAlign":196},[2324],{"text":2325,"type":200},"Some cases: Over $12,500",{"type":2116,"attrs":2327,"content":2328},{"level":2118,"textAlign":196},[2329,2335],{"text":2330,"type":200,"marks":2331},"7. ",[2332,2334],{"type":203,"attrs":2333},{"color":19},{"type":211},{"text":2336,"type":200,"marks":2337},"Limping or Trouble Walking",[2338],{"type":211},{"type":194,"attrs":2340,"content":2341},{"textAlign":196},[2342],{"text":2343,"type":200},"This could be a sprain, torn ligament, or arthritis. It’s often a sign something’s wrong.",{"type":518,"content":2345},[2346,2353],{"type":521,"content":2347},[2348],{"type":194,"attrs":2349,"content":2350},{"textAlign":196},[2351],{"text":2352,"type":200},"Typical cost: $270",{"type":521,"content":2354},[2355],{"type":194,"attrs":2356,"content":2357},{"textAlign":196},[2358],{"text":2359,"type":200},"Some cases: Over $13,000",{"type":2116,"attrs":2361,"content":2362},{"level":2118,"textAlign":196},[2363,2369],{"text":2364,"type":200,"marks":2365},"8. ",[2366,2368],{"type":203,"attrs":2367},{"color":19},{"type":211},{"text":2370,"type":200,"marks":2371},"Broken Teeth",[2372],{"type":211},{"type":194,"attrs":2374,"content":2375},{"textAlign":196},[2376],{"text":2377,"type":200},"Dental injuries can lead to infections and long-term problems if not treated.",{"type":518,"content":2379},[2380,2387],{"type":521,"content":2381},[2382],{"type":194,"attrs":2383,"content":2384},{"textAlign":196},[2385],{"text":2386,"type":200},"Typical cost: $700",{"type":521,"content":2388},[2389],{"type":194,"attrs":2390,"content":2391},{"textAlign":196},[2392],{"text":2393,"type":200},"Some cases: Over $15,000",{"type":2116,"attrs":2395,"content":2396},{"level":2118,"textAlign":196},[2397,2403],{"text":2398,"type":200,"marks":2399},"9. ",[2400,2402],{"type":203,"attrs":2401},{"color":19},{"type":211},{"text":2404,"type":200,"marks":2405},"Vomiting or Diarrhea",[2406],{"type":211},{"type":194,"attrs":2408,"content":2409},{"textAlign":196},[2410],{"text":2411,"type":200},"These symptoms can be caused by infections, pancreatitis, or something more serious.",{"type":518,"content":2413},[2414],{"type":521,"content":2415},[2416],{"type":194,"attrs":2417,"content":2418},{"textAlign":196},[2419],{"text":2420,"type":200},"Treatment range: $800 to $4,800",{"type":2116,"attrs":2422,"content":2423},{"level":2118,"textAlign":196},[2424],{"text":2425,"type":200,"marks":2426},"How Pet Insurance Helps",[2427,2429],{"type":203,"attrs":2428},{"color":19},{"type":211},{"type":194,"attrs":2431,"content":2432},{"textAlign":196},[2433],{"text":2434,"type":200},"Pet insurance helps cover unexpected vet bills. Depending on your plan, it can pay for up to 90% of emergency costs. Insurance can help cover:",{"type":518,"content":2436},[2437,2444,2451,2458,2465],{"type":521,"content":2438},[2439],{"type":194,"attrs":2440,"content":2441},{"textAlign":196},[2442],{"text":2443,"type":200},"Emergency surgeries",{"type":521,"content":2445},[2446],{"type":194,"attrs":2447,"content":2448},{"textAlign":196},[2449],{"text":2450,"type":200},"Hospital stays",{"type":521,"content":2452},[2453],{"type":194,"attrs":2454,"content":2455},{"textAlign":196},[2456],{"text":2457,"type":200},"Tests and scans",{"type":521,"content":2459},[2460],{"type":194,"attrs":2461,"content":2462},{"textAlign":196},[2463],{"text":2464,"type":200},"Medications",{"type":521,"content":2466},[2467],{"type":194,"attrs":2468,"content":2469},{"textAlign":196},[2470],{"text":2471,"type":200},"Ongoing care for chronic issues",{"type":194,"attrs":2473,"content":2474},{"textAlign":196},[2475],{"text":2476,"type":200},"Without insurance, a single emergency could cost thousands. With it, you can focus on helping your pet recover, not worrying about the bill.",{"type":194,"attrs":2478,"content":2479},{"textAlign":196},[2480],{"text":1281,"type":200,"marks":2481},[2482],{"type":211},{"type":194,"attrs":2484,"content":2485},{"textAlign":196},[2486,2491,2502,2507,2512,2517,2527,2532,2536,2541,2551,2556,2560,2565,2575],{"text":2487,"type":200,"marks":2488},"¹ ",[2489],{"type":203,"attrs":2490},{"color":19},{"text":2492,"type":200,"marks":2493},"Pet insurance: What Canadians need to know about vet bills",[2494,2500],{"type":252,"attrs":2495},{"href":2496,"uuid":196,"anchor":196,"custom":2497,"target":2499,"linktype":36},"https:\u002F\u002Fglobalnews.ca\u002Fnews\u002F10344632\u002Fpet-insurance-vet-bills-canada\u002F",{"title":2498},"pet insurance what canadians need to know about vet bills","_blank",{"type":203,"attrs":2501},{"color":19},{"text":2503,"type":200,"marks":2504},". Global News",[2505],{"type":203,"attrs":2506},{"color":19},{"type":2508,"marks":2509},"hard_break",[2510],{"type":203,"attrs":2511},{"color":19},{"text":2513,"type":200,"marks":2514},"² ",[2515],{"type":203,"attrs":2516},{"color":19},{"text":2518,"type":200,"marks":2519},"CAHI Pet Population and Health Statistics",[2520,2525],{"type":252,"attrs":2521},{"href":2522,"uuid":196,"anchor":196,"custom":2523,"target":255,"linktype":36},"https:\u002F\u002Fcahi-icsa.ca\u002Fcanadian-pet-population-survey-highlights-the-importance-of-access-to-veterinary-care",{"title":2524},"cahi pet population and health statistics",{"type":203,"attrs":2526},{"color":19},{"text":2528,"type":200,"marks":2529},". Canadian Animal Health Institute",[2530],{"type":203,"attrs":2531},{"color":19},{"type":2508,"marks":2533},[2534],{"type":203,"attrs":2535},{"color":19},{"text":2537,"type":200,"marks":2538},"³ ",[2539],{"type":203,"attrs":2540},{"color":19},{"text":2542,"type":200,"marks":2543},"Pet Emergency Statistics & Costs",[2544,2549],{"type":252,"attrs":2545},{"href":2546,"uuid":196,"anchor":196,"custom":2547,"target":2499,"linktype":36},"https:\u002F\u002Fwww.preventivevet.com\u002Fpet-emergency-statistics",{"title":2548},"pet emergency statistics & costs",{"type":203,"attrs":2550},{"color":19},{"text":2552,"type":200,"marks":2553},". Preventive Vet ",[2554],{"type":203,"attrs":2555},{"color":19},{"type":2508,"marks":2557},[2558],{"type":203,"attrs":2559},{"color":19},{"text":2561,"type":200,"marks":2562},"⁴ ",[2563],{"type":203,"attrs":2564},{"color":19},{"text":2566,"type":200,"marks":2567},"Common Pet Emergencies and Costs",[2568,2573],{"type":252,"attrs":2569},{"href":2570,"uuid":196,"anchor":196,"custom":2571,"target":2499,"linktype":36},"https:\u002F\u002Fwww.trupanion.com\u002Fen-ca\u002Fpet-blog\u002Farticle\u002Fcommon-pet-emergencies",{"title":2572},"common pet emergencies and costs",{"type":203,"attrs":2574},{"color":19},{"text":2576,"type":200,"marks":2577},". Trupanion Canada",[2578],{"type":203,"attrs":2579},{"color":19},[],"Learn how to recognize and respond to 9 of the most common pet emergencies in cats and dogs. From choking to poisoning, BMO Pet Insurance helps you stay prepared and protect your furry family members.","articles:9 common pet emergencies","9-common-pet-emergencies","articles\u002F9-common-pet-emergencies",-30,[],"94d9f29b-8196-4fc9-93df-0b732faf9157","2025-10-22T02:03:48.604Z",[],{"name":2591,"created_at":2592,"published_at":2593,"updated_at":2594,"id":2595,"uuid":2596,"content":2597,"slug":2843,"full_slug":2844,"sort_by_date":196,"position":2845,"tag_list":2846,"is_startpage":30,"parent_id":1338,"meta_data":196,"group_id":2847,"first_published_at":2848,"release_id":196,"lang":376,"path":196,"alternates":2849,"default_full_slug":196,"translated_slugs":196},"What Does Pet Insurance Cover","2025-11-13T19:36:53.213Z","2025-12-09T16:39:04.970Z","2025-12-09T16:39:04.992Z",112119862140990,"4cec4d20-7616-4142-844d-b532f6518a6c",{"_uid":1088,"title":2598,"author":19,"snippet":2599,"category":19,"component":1090,"meta_title":2600,"post_image":2601,"posted_date":2605,"post_content":2606,"related_posts":2841,"meta_description":2599,"analytics_page_name":2842},"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.","What Does Pet Insurance Cover? | BMO Insurance Solutions",{"id":2602,"alt":19,"name":19,"focus":19,"title":19,"source":19,"filename":2603,"copyright":19,"fieldtype":124,"meta_data":2604,"is_external_url":30},111755234961199,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F287771017545828\u002F1920x1280\u002F9baa26e53f\u002Fdog-at-kitchen-counter-2.jpg",{},"2025-11-21 00:00",{"type":191,"content":2607},[2608,2613,2657,2664,2669,2676,2681,2736,2743,2748,2753,2760,2765,2772,2777,2782,2787,2794,2799],{"type":194,"attrs":2609,"content":2610},{"textAlign":196},[2611],{"text":2612,"type":200},"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:",{"type":518,"content":2614},[2615,2622,2629,2636,2643,2650],{"type":521,"content":2616},[2617],{"type":194,"attrs":2618,"content":2619},{"textAlign":196},[2620],{"text":2621,"type":200},"Hereditary conditions, like heart disease, hip dysplasia, and certain cancers",{"type":521,"content":2623},[2624],{"type":194,"attrs":2625,"content":2626},{"textAlign":196},[2627],{"text":2628,"type":200},"Chronic conditions, like diabetes and urinary tract obstructions",{"type":521,"content":2630},[2631],{"type":194,"attrs":2632,"content":2633},{"textAlign":196},[2634],{"text":2635,"type":200},"Unexpected illnesses and accidents, like developing allergies, swallowing a foreign object, and ingesting a toxic food or substance",{"type":521,"content":2637},[2638],{"type":194,"attrs":2639,"content":2640},{"textAlign":196},[2641],{"text":2642,"type":200},"Certain medications and supplements",{"type":521,"content":2644},[2645],{"type":194,"attrs":2646,"content":2647},{"textAlign":196},[2648],{"text":2649,"type":200},"Surgeries, hospital stays, and physical therapy",{"type":521,"content":2651},[2652],{"type":194,"attrs":2653,"content":2654},{"textAlign":196},[2655],{"text":2656,"type":200},"X-rays, CT scans, and ultrasounds",{"type":2116,"attrs":2658,"content":2659},{"level":2118,"textAlign":196},[2660],{"text":2661,"type":200,"marks":2662},"Common Exclusions in Pet Insurance",[2663],{"type":211},{"type":194,"attrs":2665,"content":2666},{"textAlign":196},[2667],{"text":2668,"type":200},"Before signing up for a pet insurance policy, it's important to understand what isn't covered so that you're prepared for these potential expenses or limitations.",{"type":2116,"attrs":2670,"content":2671},{"level":2118,"textAlign":196},[2672],{"text":2673,"type":200,"marks":2674},"Preventative Care",[2675],{"type":211},{"type":194,"attrs":2677,"content":2678},{"textAlign":196},[2679],{"text":2680,"type":200},"Many pet insurance providers focus only on covering unexpected medical costs, as these are much harder to budget for than wellness checkups and preventative care. With that said, here are certain routine care items that are likely not covered by a pet insurance policy:",{"type":518,"content":2682},[2683,2690,2697,2708,2715,2722,2729],{"type":521,"content":2684},[2685],{"type":194,"attrs":2686,"content":2687},{"textAlign":196},[2688],{"text":2689,"type":200},"Regular veterinary checkups",{"type":521,"content":2691},[2692],{"type":194,"attrs":2693,"content":2694},{"textAlign":196},[2695],{"text":2696,"type":200},"Vet exam fees and taxes",{"type":521,"content":2698},[2699],{"type":194,"attrs":2700,"content":2701},{"textAlign":196},[2702,2706],{"text":324,"type":200,"marks":2703},[2704],{"type":203,"attrs":2705},{"color":19},{"text":2707,"type":200},"Parasite prevention, such as flea, tick, and heartworm medications",{"type":521,"content":2709},[2710],{"type":194,"attrs":2711,"content":2712},{"textAlign":196},[2713],{"text":2714,"type":200},"Spaying\u002Fneutering",{"type":521,"content":2716},[2717],{"type":194,"attrs":2718,"content":2719},{"textAlign":196},[2720],{"text":2721,"type":200},"Vaccinations, including core shots and non-core shots",{"type":521,"content":2723},[2724],{"type":194,"attrs":2725,"content":2726},{"textAlign":196},[2727],{"text":2728,"type":200},"Preventable dental problems due to missed cleanings",{"type":521,"content":2730},[2731],{"type":194,"attrs":2732,"content":2733},{"textAlign":196},[2734],{"text":2735,"type":200},"Grooming services",{"type":2116,"attrs":2737,"content":2738},{"level":2118,"textAlign":196},[2739],{"text":2740,"type":200,"marks":2741},"Pre-existing Conditions",[2742],{"type":211},{"type":194,"attrs":2744,"content":2745},{"textAlign":196},[2746],{"text":2747,"type":200},"Most pet health insurance providers don't cover pre-existing conditions, meaning a condition, an illness, or an injury that a dog or cat showed signs of or was diagnosed with before their policy was activated. These providers only cover new conditions that pop up after the policy begins.",{"type":194,"attrs":2749,"content":2750},{"textAlign":196},[2751],{"text":2752,"type":200},"For example, if your cat developed an allergy when they were young, and years later you decide to get cat insurance, their diagnosed allergy would likely not be covered by the new pet insurance policy. This is why it's extremely important to sign up for pet insurance when your pets are young and healthy, ideally right when you bring them home, so that they're covered before any injuries or illnesses occur.",{"type":2116,"attrs":2754,"content":2755},{"level":2118,"textAlign":196},[2756],{"text":2757,"type":200,"marks":2758},"Breed and Age Restrictions",[2759],{"type":211},{"type":194,"attrs":2761,"content":2762},{"textAlign":196},[2763],{"text":2764,"type":200},"A dog or cat's breed or age may also be a factor in whether they receive insurance coverage. Some providers have breed-specific restrictions or don't cover pets over a certain age. This limitation is understandable, as older animals are more prone to developing certain health issues, so they're often more costly to cover. But this can be frustrating for many pet parents of senior dogs and cats.",{"type":2116,"attrs":2766,"content":2767},{"level":2118,"textAlign":196},[2768],{"text":2769,"type":200,"marks":2770},"The Benefits of Comprehensive Coverage",[2771],{"type":211},{"type":194,"attrs":2773,"content":2774},{"textAlign":196},[2775],{"text":2776,"type":200},"While pet insurance providers that do offer coverage for routine care may seem like the top choice at first glance, this extra coverage likely results in extra-high premiums. Routine, preventative care is easier to budget for (and is typically less expensive than unexpected treatments), so it's likely not a necessary factor to search for in an insurance provider.",{"type":194,"attrs":2778,"content":2779},{"textAlign":196},[2780],{"text":2781,"type":200},"On the flip side, too little coverage is cause for concern. Be cautious of lower-tier plans, such as those that only cover accidents. These plans are typically low-cost, but they don't offer comprehensive coverage for your beloved pet.",{"type":194,"attrs":2783,"content":2784},{"textAlign":196},[2785],{"text":2786,"type":200},"The best type of coverage is comprehensive coverage, including treatments and care for accidents, unexpected illnesses, hereditary and breed-specific conditions, chronic issues, physical therapy, and more. Additionally, it won't limit breeds or exclude older pets.",{"type":2116,"attrs":2788,"content":2789},{"level":2118,"textAlign":196},[2790],{"text":2791,"type":200,"marks":2792},"Why Our Coverage Stands Out",[2793],{"type":211},{"type":194,"attrs":2795,"content":2796},{"textAlign":196},[2797],{"text":2798,"type":200},"Now that you have a better understanding of how pet insurance works and what it does and doesn't cover, you're likely wondering which provider to choose for your furry companion. BMO Insurance, in partnership with Trupanion, offers pet insurance that stands out for its comprehensive coverage, transparency, and easy claims process. Here are just a few of the many benefits you can enjoy:",{"type":518,"content":2800},[2801,2813,2820,2827,2834],{"type":521,"content":2802},[2803],{"type":194,"attrs":2804,"content":2805},{"textAlign":196},[2806,2808,2811],{"text":2807,"type":200},"A seamless claims process through VetDirect",{"text":592,"type":200,"marks":2809},[2810],{"type":537},{"text":2812,"type":200}," Pay (available with participating vets), where vets can often be paid within seconds",{"type":521,"content":2814},[2815],{"type":194,"attrs":2816,"content":2817},{"textAlign":196},[2818],{"text":2819,"type":200},"Up to 90% of eligible costs covered",{"type":521,"content":2821},[2822],{"type":194,"attrs":2823,"content":2824},{"textAlign":196},[2825],{"text":2826,"type":200},"No breed restrictions",{"type":521,"content":2828},[2829],{"type":194,"attrs":2830,"content":2831},{"textAlign":196},[2832],{"text":2833,"type":200},"Robust coverage for all new and unexpected illnesses, injuries, accidents, and more, including breed-specific conditions",{"type":521,"content":2835},[2836],{"type":194,"attrs":2837,"content":2838},{"textAlign":196},[2839],{"text":2840,"type":200},"No payout limits",[],"articles:what does pet insurance cover","what-does-pet-insurance-cover","articles\u002Fwhat-does-pet-insurance-cover",-10,[],"5fc909f2-7a2a-4cf5-af42-b46941550cc2","2025-11-20T15:22:37.262Z",[],1781294541804]