Investigation and treatment of itching, overgrooming or miliary dermatitis, including cytology and medication.
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 | $290–$920 | |
| Vancouver BC | $290–$920 | |
| Mississauga ON | $280–$895 | |
| Victoria BC | $275–$880 | |
| Surrey BC | $270–$870 | |
| Calgary AB | $270–$865 | |
| Guelph ON | $265–$850 | |
| Ottawa ON | $260–$840 | |
| Kelowna BC | $260–$840 | |
| Barrie ON | $260–$840 | |
| Hamilton ON | $260–$830 | |
| Kitchener-Waterloo ON | $260–$825 | |
| Edmonton AB | $255–$815 | |
| London ON | $250–$800 | |
| Red Deer AB | $240–$775 | |
| Moncton NB | $230–$745 | |
| Montreal QC | $230–$735 | |
| Sherbrooke QC | $230–$735 | |
| Halifax NS | $225–$720 | |
| St. John's NL | $225–$720 | |
| Saskatoon SK | $220–$705 | |
| Winnipeg MB | $220–$705 | |
| Quebec City QC | $220–$705 | |
| Regina SK | $220–$695 |
Nationally $250–$800 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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