Need to pay entire year sales tax upon enrollment

Out of 10

I am happy with the terms and pricing of the policy until I got to the payment section. I live in Ontario, Canada and upon enrollment the amount due immediately is first and last months premium PLUS 12 MONTHS OF SALES TAX (HST is 13%). Why is the company collecting sales tax for the entire policy year upfront? Is it even legal to do this?

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Claim Amount
$100 - $500

Mixed Breed

Age of Pet
1 - 8

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