Surgical removal of a mass plus laboratory analysis.
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 | $575–$1,725 | |
| Vancouver BC | $575–$1,725 | |
| Mississauga ON | $560–$1,680 | |
| Victoria BC | $550–$1,650 | |
| Surrey BC | $545–$1,635 | |
| Calgary AB | $540–$1,620 | |
| Guelph ON | $530–$1,590 | |
| Ottawa ON | $525–$1,575 | |
| Kelowna BC | $525–$1,575 | |
| Barrie ON | $525–$1,575 | |
| Hamilton ON | $520–$1,560 | |
| Kitchener-Waterloo ON | $515–$1,545 | |
| Edmonton AB | $510–$1,530 | |
| London ON | $500–$1,500 | |
| Red Deer AB | $485–$1,455 | |
| Moncton NB | $465–$1,395 | |
| Montreal QC | $460–$1,380 | |
| Sherbrooke QC | $460–$1,380 | |
| Halifax NS | $450–$1,350 | |
| St. John's NL | $450–$1,350 | |
| Saskatoon SK | $440–$1,320 | |
| Winnipeg MB | $440–$1,320 | |
| Quebec City QC | $440–$1,320 | |
| Regina SK | $435–$1,305 |
Nationally $500–$1,500 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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