Making the decision to get a pet — especially a dog — is life-changing. They provide unconditional love and support and can be a faithful companion for many years. No matter how much research you do, expect some surprises along the way. Here are three things you’ll quickly learn about being a new dog owner.

  1. A New Dog Can Test Your Patience — Whether it’s waking you up at 3:00 a.m. for a late-night bathroom trip or deciding to use your shoes as a chew toy while you’re away, a dog can really push your buttons. Just remember that proper training can go a long way to living harmoniously with your pup.
  2. Dogs Keep You on Your Toes — When you live with a dog, it can seem like there’s always a surprise around the corner. For example, encountering a skunk during a nightly walk can lead to some new smells in your house and lots of time spent in the bathtub. However, the love you get from your new dog will surely make up for any accidents or surprises.
  3. Dogs Can Be Expensive — General expenses for a dog can run high, but if you need emergency vet care or medication, fees can add up quickly. It’s extremely important to plan ahead and budget appropriately for dog care and ensure that you’re adequately covered by pet insurance.

Hudson’s Bay Financial Services is happy to offer coverage for your dog through Petline Insurance — Canada’s largest pet insurance company. With pet insurance, you can be reimbursed for up to 80% of the cost of veterinary care and services if your pets fall ill or are injured.

It’s easy to apply and coverage is affordable, with plans starting as low as $16.83 a month.¹ Additionally, you’ll earn Hudson’s Bay Rewards points2 that you can spend in store or online.2

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1 Rates and product details are effective as of July 1, 2016, and are subject to change without notice. All plans are subject to the terms and conditions of your Policy and Documents of Insurance. Premiums vary by breed and where you live. Pet insurance for Hudson’s Bay customers is arranged for by Hudson Bay Financial Services and underwritten by Petline Insurance.

2 Earn 2,000 Hudson’s Bay Rewards points when you purchase a Basic Care plan, 3,000 Rewards points for an Enhanced Care plan and 4,000 Rewards points for an Enhanced Care Plus plan. Rewards points will be issued in equal increments after every six months when you use a valid Canadian-issued credit card to pay for your premiums and will not be pro-rated. Offer valid in Alberta, British Columbia, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Nunavut, Ontario, Quebec and the Yukon.