Exam, ear cytology and medicated drops or a single-dose in-clinic treatment.
Typical plans reimburse 80–90% after the deductible, for about $46–$95/month for a young dog.
The published Canadian market average for accident-and-illness cover is CAD $1,176 a year (about CAD $98 a month) for a dog, 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 | $170–$400 | |
| Vancouver BC | $170–$400 | |
| Mississauga ON | $170–$390 | |
| Victoria BC | $165–$385 | |
| Surrey BC | $165–$380 | |
| Calgary AB | $160–$380 | |
| Guelph ON | $160–$370 | |
| Ottawa ON | $160–$370 | |
| Kelowna BC | $160–$370 | |
| Barrie ON | $160–$370 | |
| Hamilton ON | $155–$365 | |
| Kitchener-Waterloo ON | $155–$360 | |
| Edmonton AB | $155–$355 | |
| London ON | $150–$350 | |
| Red Deer AB | $145–$340 | |
| Moncton NB | $140–$325 | |
| Montreal QC | $140–$320 | |
| Sherbrooke QC | $140–$320 | |
| Halifax NS | $135–$315 | |
| St. John's NL | $135–$315 | |
| Saskatoon SK | $130–$310 | |
| Winnipeg MB | $130–$310 | |
| Quebec City QC | $130–$310 | |
| Regina SK | $130–$305 |
Nationally $150–$350 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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