Typical 2026 prices for 24 procedures, from the annual check-up to emergency surgery, in CAD. Crowd-checked with real owner bills.
St. John's price index 0.90×Typical range = what a general-practice clinic quotes. Real bills = median of verified owner submissions (published once we have three).
| Procedure | Typical range | Real bills | Insurance |
|---|---|---|---|
| Routine care | |||
| Vet Exam Fee | $70–$135 | none yet | routine |
| Emergency Exam (after hours) | $135–$315 | none yet | covered |
| Puppy Vaccine Series | $225–$405 | none yet | routine |
| Annual Booster Vaccines | $80–$180 | none yet | routine |
| Spay (female) | $450–$990 | none yet | routine |
| Neuter (male) | $360–$720 | none yet | routine |
| Dental Cleaning (under anaesthesia) | $585–$1,170 | none yet | covered |
| Euthanasia + Cremation | $225–$630 | none yet | covered |
| Microchip | $45–$80 | none yet | routine |
| Common illnesses | |||
| Dental Cleaning with Extractions | $1,350–$3,150 | none yet | covered |
| Bloodwork Panel (CBC + chemistry) | $135–$315 | none yet | covered |
| X-rays (2 views) | $180–$450 | none yet | covered |
| Abdominal Ultrasound | $360–$720 | none yet | covered |
| Ear Infection Treatment | $135–$315 | none yet | covered |
| Urinary Tract Infection | $180–$405 | none yet | covered |
| Skin Allergy Workup | $270–$810 | none yet | covered |
| Vomiting / Diarrhea Visit | $180–$630 | none yet | covered |
| Surgery | |||
| Foreign Body Surgery (swallowed object) | $2,250–$5,400 | none yet | covered |
| ACL / Cruciate Repair (TPLO) | $4,050–$7,200 | none yet | covered |
| Bloat (GDV) Emergency Surgery | $4,500–$9,000 | none yet | covered |
| Lump / Mass Removal | $540–$1,800 | none yet | covered |
| Fracture Repair | $2,700–$6,300 | none yet | covered |
| Emergency & major | |||
| Cancer Treatment (chemo course) | $4,500–$13,500 | none yet | covered |
| Diabetes (first year) | $1,800–$3,600 | none yet | covered |
Estimated annual routine care. St. John's highlighted.
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For a young dog, plans in St. John's run about $40–$85 a month. One surgery on the table above would repay years of premiums.
90% reimbursement, no payout limits, pays the vet directly at many Canadian clinics.
Get a quote →Covers exam fees, dental disease and behavioural therapy; flexible deductibles.
Get a quote →Canadian-owned since 1989, four plan levels, dental included on all plans.
Get a quote →Disclosure: some links are referral links. They never change your price. We list insurers we would consider ourselves, not whoever pays most.
A standard exam runs $70–$135. Emergency exams start around $135.
St. John's sits at 0.90× the Canada average, at or below most cities in our index.
At local prices a single ACL surgery can reach $7,200. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.