Tibial plateau levelling osteotomy for a torn cruciate ligament, the most common orthopedic surgery in dogs.
Typical plans reimburse 80–90% after the deductible, for about $50–$105/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.
Mid-point of the typical range. Victoria highlighted.
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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.
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Most Victoria clinics charge between $4,950 and $8,800 in 2026. Specialty and emergency hospitals sit at the top of that range; neighbourhood clinics sit lower.
Vet prices track rent, wages and clinic competition. Victoria runs about 10% above the national average across our index.
Yes, for most accident-and-illness plans, subject to your deductible, waiting periods and any pre-existing-condition exclusion.
Dog size and weight (medication and anaesthesia scale with weight), whether bloodwork or imaging is needed first, after-hours timing, and whether a specialist is involved.
Ask for an itemised estimate, compare two clinics, check veterinary-college teaching hospitals, ask about payment plans, and use insurance if the dog was covered before symptoms started.