Surgical plating or pinning of a broken leg, with follow-up X-rays.
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 | $3,450–$8,050 | |
| Vancouver BC | $3,450–$8,050 | |
| Mississauga ON | $3,360–$7,840 | |
| Victoria BC | $3,300–$7,700 | |
| Surrey BC | $3,270–$7,630 | |
| Calgary AB | $3,240–$7,560 | |
| Guelph ON | $3,180–$7,420 | |
| Ottawa ON | $3,150–$7,350 | |
| Kelowna BC | $3,150–$7,350 | |
| Barrie ON | $3,150–$7,350 | |
| Hamilton ON | $3,120–$7,280 | |
| Kitchener-Waterloo ON | $3,090–$7,210 | |
| Edmonton AB | $3,060–$7,140 | |
| London ON | $3,000–$7,000 | |
| Red Deer AB | $2,910–$6,790 | |
| Moncton NB | $2,790–$6,510 | |
| Montreal QC | $2,760–$6,440 | |
| Sherbrooke QC | $2,760–$6,440 | |
| Halifax NS | $2,700–$6,300 | |
| St. John's NL | $2,700–$6,300 | |
| Saskatoon SK | $2,640–$6,160 | |
| Winnipeg MB | $2,640–$6,160 | |
| Quebec City QC | $2,640–$6,160 | |
| Regina SK | $2,610–$6,090 |
Nationally $3,000–$7,000 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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