Typical 2026 prices for 27 procedures, from the annual check-up to emergency surgery, in CAD. Crowd-checked with real owner bills.
Kitchener-Waterloo price index 1.03×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 | $75–$155 | none yet | routine |
| Emergency Exam | $155–$310 | none yet | routine |
| Kitten Vaccine Series | $155–$310 | none yet | routine |
| Annual Vaccines & Wellness | $105–$185 | none yet | routine |
| Dental Cleaning | $410–$980 | none yet | routine |
| Bloodwork Panel | $115–$310 | none yet | covered |
| X-rays | $155–$410 | none yet | covered |
| Ultrasound | $360–$720 | none yet | covered |
| Euthanasia & Aftercare | $155–$465 | none yet | routine |
| Microchip | $52–$105 | none yet | routine |
| Common illnesses | |||
| Urinary Tract Disease (non-blocked) | $310–$925 | none yet | covered |
| Kidney Disease, first year | $620–$2,470 | none yet | covered |
| Hyperthyroidism, medication per year | $410–$925 | none yet | covered |
| Ear Infection | $155–$410 | none yet | covered |
| Urinary Infection | $205–$515 | none yet | covered |
| Skin Allergy Work-up | $260–$825 | none yet | covered |
| Vomiting & Diarrhea Work-up | $260–$925 | none yet | covered |
| Diabetes, first year | $1,235–$3,090 | none yet | covered |
| Surgery | |||
| Spay (female) | $180–$465 | none yet | routine |
| Neuter (male) | $155–$360 | none yet | routine |
| Dental Extractions | $360–$1,235 | none yet | covered |
| Lump Removal & Biopsy | $515–$1,545 | none yet | covered |
| Emergency & major | |||
| Urinary Blockage (male cat) | $925–$4,225 | none yet | covered |
| Hyperthyroidism, radioiodine (I-131) | $1,650–$3,605 | none yet | covered |
| Foreign Body Surgery | $2,060–$5,150 | none yet | covered |
| Fracture Repair | $1,855–$5,150 | none yet | covered |
| Cancer Treatment | $3,090–$10,300 | none yet | covered |
Estimated annual routine care. Kitchener-Waterloo highlighted.
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For a young cat, plans in Kitchener-Waterloo run about $46–$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 $75–$155. Emergency exams start around $155.
Kitchener-Waterloo sits at 1.03× the Canada average, above most cities in our index.
At local prices a single ACL surgery can reach $4,225. If you could not absorb that, insurance usually pays off. Run the calculator with your breed.