Dog vet costs and insurance by breed (2026)
Which breeds run up the biggest vet bills in Canada, what each one is prone to, and whether insurance pays off for that breed.
Bernese Mountain Dog
Claim risk 1.80x average · typical premium $115/mo
English Bulldog
Claim risk 1.70x average · typical premium $105/mo
Great Dane
Claim risk 1.70x average · typical premium $120/mo
French Bulldog
Claim risk 1.60x average · typical premium $95/mo
Rottweiler
Claim risk 1.50x average · typical premium $100/mo
Boxer
Claim risk 1.50x average · typical premium $95/mo
Cavalier King Charles Spaniel
Claim risk 1.50x average · typical premium $85/mo
Doberman
Claim risk 1.50x average · typical premium $95/mo
Cane Corso
Claim risk 1.50x average · typical premium $100/mo
Dachshund
Claim risk 1.40x average · typical premium $75/mo
Pug
Claim risk 1.40x average · typical premium $80/mo
Golden Retriever
Claim risk 1.35x average · typical premium $80/mo
German Shepherd
Claim risk 1.35x average · typical premium $90/mo
Cocker Spaniel
Claim risk 1.30x average · typical premium $70/mo
Pit Bull / Staffordshire
Claim risk 1.30x average · typical premium $80/mo
Labrador Retriever
Claim risk 1.25x average · typical premium $80/mo
Poodle (Standard)
Claim risk 1.10x average · typical premium $70/mo
Goldendoodle / Labradoodle
Claim risk 1.10x average · typical premium $70/mo
Shih Tzu
Claim risk 1.10x average · typical premium $60/mo
Yorkshire Terrier
Claim risk 1.10x average · typical premium $60/mo
Pomeranian
Claim risk 1.10x average · typical premium $60/mo
Beagle
Claim risk 1.10x average · typical premium $60/mo
Siberian Husky
Claim risk 1.10x average · typical premium $70/mo
Mixed breed (large)
Claim risk 1.00x average · typical premium $65/mo
Chihuahua
Claim risk 1.00x average · typical premium $50/mo
Australian Shepherd
Claim risk 1.00x average · typical premium $60/mo
Shiba Inu
Claim risk 1.00x average · typical premium $60/mo
Mixed breed (medium)
Claim risk 0.90x average · typical premium $55/mo
Poodle (Toy/Mini)
Claim risk 0.90x average · typical premium $50/mo
Havanese
Claim risk 0.90x average · typical premium $55/mo
Border Collie
Claim risk 0.90x average · typical premium $60/mo
Mixed breed (small)
Claim risk 0.80x average · typical premium $50/mo