Exploratory laparotomy to remove a swallowed sock, toy or bone, with hospitalization.
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 | $2,875–$6,900 | |
| Vancouver BC | $2,875–$6,900 | |
| Mississauga ON | $2,800–$6,720 | |
| Victoria BC | $2,750–$6,600 | |
| Surrey BC | $2,725–$6,540 | |
| Calgary AB | $2,700–$6,480 | |
| Guelph ON | $2,650–$6,360 | |
| Ottawa ON | $2,625–$6,300 | |
| Kelowna BC | $2,625–$6,300 | |
| Barrie ON | $2,625–$6,300 | |
| Hamilton ON | $2,600–$6,240 | |
| Kitchener-Waterloo ON | $2,575–$6,180 | |
| Edmonton AB | $2,550–$6,120 | |
| London ON | $2,500–$6,000 | |
| Red Deer AB | $2,425–$5,820 | |
| Moncton NB | $2,325–$5,580 | |
| Montreal QC | $2,300–$5,520 | |
| Sherbrooke QC | $2,300–$5,520 | |
| Halifax NS | $2,250–$5,400 | |
| St. John's NL | $2,250–$5,400 | |
| Saskatoon SK | $2,200–$5,280 | |
| Winnipeg MB | $2,200–$5,280 | |
| Quebec City QC | $2,200–$5,280 | |
| Regina SK | $2,175–$5,220 |
Nationally $2,500–$6,000 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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