Veterinary care costs in Canada have climbed steadily, especially after the pandemic. Prices vary by province, clinic type, and the size of your pet, but across the country, pet owners spend hundreds to thousands of dollars annually on routine and emergency care.
This guide breaks down average costs for common services and shows why more Canadians are turning to dog insurance to manage these rising expenses.
Average Cost by Type of Visit
Urban areas like Toronto, Vancouver, and Calgary tend to charge 20–40% more for veterinary care due to higher clinic overhead. In smaller cities or rural regions, fees are often lower, but specialty services (like imaging or oncology) may require referral to larger centres.
Without insurance, one emergency can derail a family budget. Most Canadian plans reimburse 70–90% of eligible expenses after your deductible - helping you focus on care, not cost.
Learn more:
Veterinary inflation is real - costs rise 6–8% annually. Puppies, senior dogs, and high-risk breeds benefit most from early coverage before health issues appear.
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