Chronic kidney disease management for the first year: staging bloodwork, prescription diet, phosphate binders, blood pressure control and rechecks.
Typical plans reimburse 80–90% after the deductible, for about $46–$95/month for a young cat.
The published Canadian market average for accident-and-illness cover is CAD $601 a year (about CAD $50 a month) for a cat, across all ages and breeds. Published market average, not a quote — source: North American Pet Health Insurance Association (NAPHIA), 2026-06, covering 2025 calendar year, Canadian accident-and-illness policies, all ages and breeds, compiled by Willis Towers Watson and representing about 99% of written pet health insurance premium in Canada.
| City | Typical range | Index |
|---|---|---|
| Toronto ON | $690–$2,760 | |
| Vancouver BC | $690–$2,760 | |
| Mississauga ON | $670–$2,690 | |
| Victoria BC | $660–$2,640 | |
| Surrey BC | $655–$2,615 | |
| Calgary AB | $650–$2,590 | |
| Guelph ON | $635–$2,545 | |
| Ottawa ON | $630–$2,520 | |
| Kelowna BC | $630–$2,520 | |
| Barrie ON | $630–$2,520 | |
| Hamilton ON | $625–$2,495 | |
| Kitchener-Waterloo ON | $620–$2,470 | |
| Edmonton AB | $610–$2,450 | |
| London ON | $600–$2,400 | |
| Red Deer AB | $580–$2,330 | |
| Moncton NB | $560–$2,230 | |
| Montreal QC | $550–$2,210 | |
| Sherbrooke QC | $550–$2,210 | |
| Halifax NS | $540–$2,160 | |
| St. John's NL | $540–$2,160 | |
| Saskatoon SK | $530–$2,110 | |
| Winnipeg MB | $530–$2,110 | |
| Quebec City QC | $530–$2,110 | |
| Regina SK | $520–$2,090 |
Nationally $600–$2,400 in 2026. Toronto is the most expensive city we track; Regina the least.
Rent, staff wages, equipment and competition. Big-city specialty hospitals can charge double what a rural clinic does for the same procedure.
Yes, on most accident-and-illness plans after the deductible.
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