Risk score 0.90× the average dog. Here is what that means in CAD.
Risk score 0.90x average| Condition / procedure | Canada range | Insurance |
|---|---|---|
| Fracture Repair | $3,000–$7,000 | covered |
| ACL / Cruciate Repair (TPLO) | $4,500–$8,000 | covered |
Below-average risk. A dedicated savings account can work if you would really leave the money untouched.
Run the calculator for a Border Collie90% reimbursement, no payout limits, pays the vet directly at many Canadian clinics.
Get a quote →Covers exam fees, dental disease and behavioural therapy; flexible deductibles.
Get a quote →Disclosure: some links are referral links. They never change your price. We list insurers we would consider ourselves, not whoever pays most.
Around $20,205 in routine care plus a realistic share of breed-typical conditions, at 2026 Canadian prices.
Modelled premiums (estimates, not quotes) run about $46–$75 a month for a puppy, rising with age and city.
That depends on what you could pay in cash. The breed's risk score is 0.90× average and the single worst bill we model is $8,000. The calculator compares that bill with your emergency fund and shows the expected net cost of insuring.