Typical 2026 prices for 27 procedures, from the annual check-up to emergency surgery, in CAD. Crowd-checked with real owner bills.
Kelowna price index 1.05×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 | $80–$160 | none yet | routine |
| Emergency Exam | $160–$315 | none yet | routine |
| Kitten Vaccine Series | $160–$315 | none yet | routine |
| Annual Vaccines & Wellness | $105–$190 | none yet | routine |
| Dental Cleaning | $420–$1,000 | none yet | routine |
| Bloodwork Panel | $115–$315 | none yet | covered |
| X-rays | $160–$420 | none yet | covered |
| Ultrasound | $370–$735 | none yet | covered |
| Euthanasia & Aftercare | $160–$470 | none yet | routine |
| Microchip | $52–$105 | none yet | routine |
| Common illnesses | |||
| Urinary Tract Disease (non-blocked) | $315–$945 | none yet | covered |
| Kidney Disease, first year | $630–$2,520 | none yet | covered |
| Hyperthyroidism, medication per year | $420–$945 | none yet | covered |
| Ear Infection | $160–$420 | none yet | covered |
| Urinary Infection | $210–$525 | none yet | covered |
| Skin Allergy Work-up | $260–$840 | none yet | covered |
| Vomiting & Diarrhea Work-up | $260–$945 | none yet | covered |
| Diabetes, first year | $1,260–$3,150 | none yet | covered |
| Surgery | |||
| Spay (female) | $185–$470 | none yet | routine |
| Neuter (male) | $160–$370 | none yet | routine |
| Dental Extractions | $370–$1,260 | none yet | covered |
| Lump Removal & Biopsy | $525–$1,575 | none yet | covered |
| Emergency & major | |||
| Urinary Blockage (male cat) | $945–$4,305 | none yet | covered |
| Hyperthyroidism, radioiodine (I-131) | $1,680–$3,675 | none yet | covered |
| Foreign Body Surgery | $2,100–$5,250 | none yet | covered |
| Fracture Repair | $1,890–$5,250 | none yet | covered |
| Cancer Treatment | $3,150–$10,500 | none yet | covered |
Estimated annual routine care. Kelowna highlighted.
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For a young cat, plans in Kelowna run about $47–$100 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 $80–$160. Emergency exams start around $160.
Kelowna sits at 1.05× the Canada average, above most cities in our index.
At local prices a single ACL surgery can reach $4,305. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.