When purchasing this product no where did they say taxes where excluded in their list of items not covered. They say they cover actual vet costs. Well my vet costs included taxes. So I only received 77% of my bill. I only found out about the non tax was after submitting a bill. Prior to purchasing the policy there was no information about this. Otherwise I would have checked others that DO cover taxes and cover 90% up to $20,000. I feel this is an issue for the Financial Services Commission. Out of $10,000 bill I received back $7000.00. What do others think? Do your homework about everything. In Canada we pay taxes on everything! If its not excluded then it should be included. Sneaky sneaky!